[jsatok]

It depends on your merchant account. I recently opened an Authorize.net account, and they gave me a couple different options, though it was suggested to me to collect the full name, address, zip and CVV, it's a matter of balancing risk on your end as well. With my Authorize.net account, the fees remain the same regardless of which pieces of information I collect, but if there begins to be a bunch of fraudulent transactions, my processing account will come under question, and it's possible I won't be able to continue processing until it's cleared up.

I ended up deciding to collect full name, zip and CVV, but not address. It's a matter of balancing UX and fraud. Recurly does a pretty good job explaining Address Verification and Credit Card Verification in their documentation: http://docs.recurly.com/payment-gateways/authorize-net#avs