We use multiple companies, all of which are "something like Stripe", to avoid dealing with PCI requirements. I've never seen any of them check zip or name, if you want added security you ask for 3D Secure/Verified by VISA. That will either require the customer to login via their online banking solution of enter the code sent to them via SMS.
On of our payment providers just told us today that by August 1st. 3D Secure will be required for all online transaction in the EU. It might be later, less than one month doesn't seem like a reasonable notice.
Honestly name and zip seems like something that's easily obtained by a scammer.
I don't know how many people actually use it, but it's definitely a common option. The idea is that it would be another layer in your anti-fraud protection, not that it would replace something else.
On of our payment providers just told us today that by August 1st. 3D Secure will be required for all online transaction in the EU. It might be later, less than one month doesn't seem like a reasonable notice.
Honestly name and zip seems like something that's easily obtained by a scammer.