The thing is though that payment networks do in fact do instant verification and it is interesting what gets verified and when. At gas stations it is very common to ask for a zip code (again US), and this is verified immediately to allow the transaction to proceed. I’ve found that when a street address is asked for there is some verification and often a match on the house number is sufficient. Zip codes are verified almost always, names pretty much never.
This likely has something to do with complexities behind “authorized users”.