It's not really crazy, it comes down to what data you have from upstream. It's not like you are swiping a card and have access to the magstripe data. With AVS i

It's not really crazy, it comes down to what data you have from upstream. It's not like you are swiping a card and have access to the magstripe data. With AVS it's only Amex that bothers with the cardholder's name.