Verify account holder names via API

Check if the cardholder name matches the name on file with the issuing bank before processing a transaction.

Account Name Inquiry lets you verify if the name provided by a customer matches the name registered with their card issuer. This check happens before the actual transaction and helps reduce fraud or misdirected payments.

You can perform the check:

• During customer onboarding
• Right before a transaction
• At regular intervals
• On demand

The card issuer compares the first, middle, and last names with their records and returns a match result for each, along with an overall match status.

We recommend using this functionality with account verification or zero-amount transactions. Using it with other transaction types may cause unexpected results.

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Supported transaction types for name inquiry

You can include Account Name Inquiry parameters in the following transaction types via the Processing API or WPF API:

• authorize, authorize3d
• sale, sale3d
• init_recurring_sale, init_recurring_sale3d
• account_verification
• payout, credit

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Request parameters

Include the element inside your transaction request. It supports the following optional fields:

Parameter	Type	Description
first_name	string	Account owner’s first name
middle_name	string	Account owner’s middle name
last_name	string	Account owner’s last name

Example request

<payment_transaction>
  <transaction_id>119643250547501c79d8295</transaction_id>
  <usage>40208 concert tickets</usage>
  <remote_ip>245.253.2.12</remote_ip>
  <amount>100</amount>
  <currency>USD</currency>
  <token>ee946db8-d7db-4bb7-b608-b65b153e127d</token>
  <card_holder>Travis Pastrana</card_holder>
  <cvv>834</cvv>
  <expiration_month>12</expiration_month>
  <expiration_year>2026</expiration_year>
  <customer_email>travis@example.com</customer_email>
  <customer_phone>+1987987987987</customer_phone>
  <account_owner>
    <first_name>Travis</first_name>
    <middle_name>Joe</middle_name>
    <last_name>Pastrana</last_name>
  </account_owner>
</payment_transaction>

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Response and match results

The response includes match results for each name field and an overall result:

Field	Type	Description
full_name_match	string	Overall match result (Match, Partial, No match)
first_name_match	string	Result for first name
middle_name_match	string	Result for middle name
last_name_match	string	Result for last name
type	string	Account type (e.g., personal)

Tip: The matched text is included in the response only if the issuing bank returns a name match response code.

Example response

<payment_response>
  <transaction_id>119643250547501c79d8295</transaction_id>
  <amount>100</amount>
  <currency>USD</currency>
  <token>ee946db8-d7db-4bb7-b608-b65b153e127d</token>
  <card_holder>Travis Pastrana</card_holder>
  <account_owner>
    <first_name>Travis</first_name>
    <middle_name>Joe</middle_name>
    <last_name>Pastrana</last_name>
    <full_name_match>Partial match</full_name_match>
    <first_name_match>Match</first_name_match>
    <middle_name_match>No match</middle_name_match>
    <last_name_match>Match</last_name_match>
    <type>personal</type>
  </account_owner>
</payment_response>