said by Snowy:said by beck:The retailer gets a better rate if they add the zipcode.
Yes, that's a great point, it explains why it's not a universal practice.
It's a retailers business decision, nothing forced by credit card issuers or processors.
Nope. It's often not the retailers decision, and is forced on them in the form of do this or else. It's based on credit card fraud at the location. This is why you can see the same chain where SOME stations require it and some don't. It costs business, so it's not liked among merchants, but also, killer penalty rates or not accepting cards period is not an option, so there you go.