Each person has a customer profile. Each customer profile has one or more payment profiles. And each of our payment profiles has a billing address for each card.

When we make a call to CreateCustomerProfileTransaction, we provide the customer profile, payment profile, amount, and (if it was provided at the time of transaction) the code on the back of the card.

Everything works great.

I've seen charts that show various cost-savings if extra cardholder details are provided with a transaction. This might be as simple as a zipcode or it can be as complete as the customer's full name and billing address. The more (correct) information provided, the more the cost savings.

How does that work with CIM, though? Does it automatically use the information stored in the payment profile? Or is it information that has to explicitly be passed in through the "extraOptions" parameter?