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Library · Payment orchestration · How to run this

Extra checkout fields cost converts before AVS

How to run thisPayment orchestration4 steps
GuideCheckout field friction — claim map · Calculator lives in the articleOpen

Checkout field friction is what you force the shopper to type before an authorization exists — phone, account creation, date of birth, marketing toggles, address line 2 “required,” and siblings. Those fields cost converts (and often mobile completion). They are not the same dial as AVS/CVV strictness, which trades approval after a card attempt.

Pair: Checkout field friction — claim map on Orchestration. Guest vs forced account: guest vs account.

How to decide

Name each required field that is not PAN / expiry / CVV / name / bill address needed for the auth. Measure step abandon with the field on vs off (or optional). Fraud dollars “saved” only count if you typed them from a clean window — we invent none. Wallet path recovery is a different job: wallet decline recovery.

What not to do

Do not add phone “for fraud” with no abandon measure. Do not force account creation to “raise LTV” without a typed convert hole. Do not confuse this with AVS/CVV mismatch cash. Do not invent a good field-count benchmark.

Related: Orchestration, AVS/CVV tradeoff, first-try vs net, wallet decline recovery.

Procedure

  1. List required fields that are not auth-essential.
  2. Measure abandon on vs off (or optional).
  3. Only keep a field if typed fraud save beats the hole.
  4. Use AVS/CVV page for post-card mismatch dials.

Failure modes

  • Adding phone “for fraud” with no abandon measure.
  • Confusing with AVS/CVV mismatch rules.
  • Inventing a good field-count benchmark.
  • Forcing account create without typed convert cost.

Worked example

None on this page yet. When one lands it will be a real case: what broke, the number, and what changed. Not a composite.

Glossary

Field friction
Required checkout inputs beyond what the auth needs (phone, account, opt-in, etc.) that raise abandon before any issuer response.

Work with us — We run this job on your accounts. Services

FAQ

Is requiring phone the same as strict AVS?
No. Phone friction drops carts before auth. AVS is a mismatch rule after the card is typed.
Should I add fields to cut fraud?
Only after you typed abandon lift vs fraud dollars saved. Guessing invents policy.
Is this the AVS/CVV tradeoff calculator?
No. [AVS/CVV](/manuals/avs-cvv-tradeoff) is cash after mismatch rules. This page is field friction before auth.