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I believe the purpose is to cut down the amount of information that is on the actual credit card form. It is also a good method to determine how many declines the processor is actually giving. If you have 500 people fill out the form and only 350 actually process, this could mean your decline ratio is WAY too high, your forms are broken, or they simply changed their mind.
It is not just about spam.... there are actually some honest programs out there believe it or not.
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