There is built in address checking and CVV (the number on the back of the card) checking that is generally off by default in Luminate Online. For more information on these settings, see this article.

Note that some payment types (e.g. Amazon and PayPal) and/or processors may not honor the settings built into Luminate Online. In those cases, you can try reaching out to the processor to see if they can do address or CVV checking on their end.