I submitted a ticket on 11/1/12 on this and still have no resolution so let me present it to the forums.
With authorize.net, when a card is declined due to zip or address not matching, the only thing that is shown to the end user is a "Try Again" button. This leads to multiple attempts to process the card, and ultimately frustration on their end.
Is there a fix for this? I don't want to allow cards to be authorized that do not meet the recommended security checks.
Here is the declined message I get from the logs in authorize.net:
Declined (Authorization with the card issuer was successful but the transaction was declined due to an address or ZIP code mismatch with the address on file with the card issuing bank based on the settings in the Merchant Interface.)