PayPal Terminator Says : First thing you should never do is ship to another address other credit card's confirmed address. Signing up for your credit card account, your processor makes that perfectly clear to you and its physically written in the handbook under fraud protection. In that act alone, that makes you a risk merchant! You care nothing about the cash and do nothing to protect the processing company from fraud! The second the card came up with no AVS match you should of refunded the transaction and left it at that. You would of never heard back form the buyer or her trying to come up with some bullshit excuse! The fraud is to have the item shipped to another address, because when it comes to non receipt, you have to prove you shipped it to the confirmed address of the credit card. When it comes to non authorization, you have to link the credit cards confirmed address AVS Match to the person, match everything on the sales order, including the IP address to the AVS Match