What is a Billing Address?

Esther Ajewumi
September 20, 2022

Although a billing address can often get confused for a mailing or a shipping address, a billing address is specifically the address that you need to provide when you conduct an online transaction.

To dig into this further, this article will break down exactly what a billing address is, where it can be used, the difference between a shipping vs. billing address, how to find and change your billing address, and what would happen if you use the wrong billing address. 


What is a billing address used for?

A billing address is where a person or organization receives bills and invoices. It's the address associated with your credit or debit card account when you sign up, and this address will normally get asked whenever you conduct an online transaction. In addition, you need a billing address to send invoices and receive bank statements, tax returns, and other documents.

For example, the IRS, insurance companies, payroll companies, USPS, and all other online vendors will typically require a billing address when you register and start transacting funds. That means the address that you provide when registering for a bank account or card is the address that you will need to use when transacting items on that card. Moreover, since physical invoices can also be sent to this address, any merchant or entity with whom you do financial business may also require a billing address in order to mail an invoice to request payment.

How is a billing address structured?

A billing address is the same structure as a street address. It begins with a street number and name, followed by a code for the city, state, and ZIP (i.e., 123, Main St, San Francisco, CA, 66801).

What is the difference between a shipping and billing address?

When you order a product/service or register your business for something online, the vendor will often ask you to provide a billing and shipping address. The billing address is what you’ll provide when you actually enter in your card details to make the payment. This is where your business should typically receive invoices for its purchases, and it should match the address you have on file with the credit or debit card company you’re using. 

On the other hand, the shipping address is where the seller will actually deliver the good or service. This can also be known as a mailing address. Depending on a buyer’s location preference, a shipping address can easily change anytime or be modified whenever you’re expecting something to be specifically delivered. 

Here are some other ways that a shipping address and billing address can differ: 

What is the billing address used for?

The billing address is vital in ensuring financial security and enables a well-managed system of records.  Here are some purposes of the billing address:

Without a billing address, businesses would not be able to verify your identity or account, and in many cases, you may also not be taxed appropriately for your purchase. In addition, it may be helpful also to notice the following: 

What happens if you provide an incorrect billing address?

Incorrect billing address, whether intentionally or accidentally, could have some consequences. These include: 

The AVS matches the sequence of numbers contained in the billing address with the address provided. It will allow a transaction if there is a match and all other criteria is met. However, if an incorrect billing address is entered, the AVS automatically detects discrepancies, and the debit card payment is not executed.

How to find your billing address?

To find your billing address, we recommend doing one of these to know your current billing address.

How to change a billing address

If you’d like to change your billing address, you can easily change it by providing a new billing address to the bank/vendor you’re working with. 

Use any of the following ways to change your billing address with banks, IRS, and others:


A billing address is the address you provide when you’re conducting any online transaction, and it can be used to help protect you against potential credit or debit card fraud. It is an important element in carrying out successful and secure online transactions, and
for businesses, specifically, it is an important piece to think about — especially when setting up your business’s bank account, registering with the IRS, or setting up paying methods with the different vendors you work with. 


At Stable, we provide virtual business addresses and mailboxes for LLCs, startups, corporations, and more. Our permanent business addresses can be used as your business’s billing addresses for banks, IRS, insurance companies, and others while you remain remote. We also digitize all the business mail you receive at your address so you can access it anywhere in the world.

If you'd like to learn more or have further questions about how our virtual addresses work, please feel free to contact us at: hello@useStable.com.

You can also get started with Stable and create a virtual business address in less than 3 minutes.

Disclaimer: Stable is not a legal or accounting firm; therefore, we cannot provide legal or tax advice. You should consult legal and tax professionals for advice on how to meet ongoing obligations that apply to you and your company.

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