CVV isn't required and cannot be retained by anyone doing recurring billing. It is nice to have it as an additional fraud check for the first transaction. My discount rate doesn't change for CVV or non-CVV transactions. CVV is optional, but, if sent is verified. If it is incorrect, the transaction is declined.<p>For AVS verification, only the zip code is needed. I do get an additional discount on my merchant account if I send the numeric part of the street address, but, designing a form to ask for the street number but not the suite/apartment number for an extra half percent may drop the conversion ratio of the form. At best, you could get some people to enter the numeric portion, at worst, you probably require the two address lines for the billing address on the card.<p>The gateway I use allows me to specify the fields as optional, hidden or visible for every field, billing/shipping address, notes, etc. We can also submit a form to our gateway that can be used. However, we maintain a secure certificate and use our own forms to send the data and get back a recurring billing token from the gateway. That allows us to maintain a bit more control over the sales process.