I'm a customer service agent at Intuit. For the type of account (e-commerce or web store are the names we use) that works with zen cart you have the ability to refuse to process any transaction that fails to verify the billing address or the 3 digit code from the back (called CCV, CVV, among other TLA's).

You could have your zen cart or your Intuit e-commerce (or both) settings to refuse transactions that don't pass the address or CCV check. The way that is shown in your processing is the sale goes through (it's approved) and then immediately the system sends a void to back out the transaction that was just approved.

The merchant service center is where you would control your Intuit settings for this (merchantcenter.intuit.com). When you log into your account you can change those settings on the account menu. It's recommended you require everything to pass before accepting the transaction because web sales are notorious for fraud.

I hope that helps. :)

Joshua R. Godinez
Merchant Services Representative, Intuit
[email protected]