Various criteriae affects processing fees for CNP (Card Not Present) transactions.
Key one is AVS (Address Verification Service) Zip code. There was several AVS fields. From a fee standpoint, only Zip code matters. For lower fees a ZIP code must be included in the authorization request. Interestingly, ZIP code must be present but it does not need to match ZIP code on card holder's account.
Refer to your merchant account pricing or contact your merchant service provider to confirm your specific fee schedule.
