The current regulatory environment for Card Not Present transactions has changed tremendously in the last few years, with many legacy marketing and billing practices under heavy scrutiny by both the card associations and government regulatory agencies, due to a very small group of ill-intentioned merchants who have abused the payment processing system and card association brands. The Order Validation Experts have always conformed to the Payment Card Industry best practices and we are sensitive to the ever-changing regulatory environment. That is why we do not require, and never have, the passing of the full customer billing data for clients who take advantage of our We Pay You pricing model. When you choose the We Pay You pricing model, we capture full 16 digit credit card number, thus eliminating the need for a full data pass of customer billing data, and thereby ensuring that the model is operating in full compliance at all times.