If all these match what the customers bank provides to the network the sale will be approved. If any one does not match the sale is declined.
If you miss type in your address, zip code or other info its declined. If you think the software will not recognize a different address it does.
Invalid CVV code the 3 digit you provided do not match the credit card.
That's it. There is NO ARGUING. Its either Approved or Declined. Declined orders are Cancelled.