On 10/20/05, trixter aka Bret McDanel <[EMAIL PROTECTED]> wrote:
On Thu, 2005-10-20 at 21:44 -0700, snacktime wrote:
> The name is not used for card verification. Never has been. You
> might be using software or an internet gateway that requires it, but
> that information is not sent in the authorization request to the bank,
> and it's not required. I've certified to just about every bank
> network there is in the US, and I've never seen a specification yet
> that requires the cardholders name.
>
> And that being the case, it doesn't matter what you send in the name
> field.
Hmm.. when I wrote code to directly talk to the banks we had to send it
and the name would cause problems if it didnt match. This was not to a
gateway this was software for the gateways. And now with fraud concerns
being higher I would assume its more critical. Keep in mind this is not
for transactions where the card is present, on those the physical aspect
of the card is used (however secure that is supposed to be).
When you say software for the gateways, you mean you integrated with third party software that connected to one of the processing networks? Do you remember the name of the network that was used? I guess there could be a network that checks the name, but I'd have to see it to believe it. Vital, Firstdata, Global Payments, Paymentech, Nova.. None of those are capable of checking the cardholder name. And together they probably make up over 95% of all card processing in the US.
So even if there is some obscure processor that can check the name, it's not the norm. Now if you are connecting to someone below the major processing networks that adds on their own checks, that's a different story. However most internet gateways dont' check the name. Verisign doesn't, authorizenet doesn't, we don't.
Chris
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