It seems postcode/ zip is needed
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I have a store in Hong Kong, which does not have postcodes.
Just had customer with failed payment attempts, with 2 credit cards.
I tried test mode; also failed, with message about inadequate information. Test card numbers were all filled in. Address ok; except postcode field blank.
Postcode/ zip supposedly optional; but when I added 000000 as per HK in such cases, the tests with a couple of credit cards worked just fine.
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