I have a bricks and mortar store and when these online orders come through as high risk (happens rarely for me) I always email the address given and check whether the delivery address is valid and that they know about the order. I never send out orders to a shipping address different to statement address. On the occasion that I did the order was fraudulent and I had to go through a complicated chargeback fraud system with the card issuer. As a small business I’d rather not lose my money.