Require cc's billing address on checkout to prevent fraud

Require cc's billing address on checkout to prevent fraud

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Hello Shopify community members.
 
Wondering if anyone is familiar with fraud prevention on shopify, specifically look for a way to:
- require user to enter their card's billing address on checkout (in addition to shipping)
- require the entered billing address to match the card's actual billing address (in cases it's different from shipping)
- this does not necessarily need to match the shipping address
- if they don't have the correct billing address for the card, the order will automatically fail (and the reason mentioned will be "billing address does not match")

See this image here from a recent order.

Screenshot 2025-01-20 at 8.41.15 AM.png


I want to specifically cut down on receiving orders like this where there appears to be no billing details included.
"Billing address or credit card's address wasn't available"
"Billing address ZIP or postal code isn't available to match with credit card's registered address
I'd like for these to be required and always included on any checkout.

I'm hoping this cuts down on fraudulent stolen credit card orders where the client doesn't know the card's billing details.
 
Shopify checkout has the option "Require shipping and billing address to match" , but this is problematic for two reasons
- I do have a good number of clients shipping to non-billing addresses where shipping and billing don't match, so I might lose orders from legitimate clients
- I tried activating this option myself with and tested it with a test-order, but the order page only provided a Shipping Address section, no Billing Address section is even shown, and when the order failed it did not specify exactly why (which is shipping address on checkout doesn't match billing address) so I can see clients getting confused and stuck and just abandoning their purchase altogether. The failure reason was "Your payment details couldn’t be verified. Check your card details and try again." which is too vague for a client to understand what's going on.

I checked out a couple apps like Beacon but Beacon appears to only add various flags / automations but not something up front on checkout for verification. I also don't want to have to install an app that charges a higher processing fee percentage per order since these types of fraud orders are very few and far between. Typically when a medium or high-risk fraud order comes in I ask the client directly by email to provide some verification details, but it would be ideal to just have one extra fraud prevention step on the front end before a purchase goes through.

Anyone have any ideas on a solution here?
 
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