Account Name Verification

This real-time API service validates whether a provided account holder name matches the name on file with the issuer or network for a given PAN or token.

It helps to reduce fraud, supports KYC/AML compliance, and improves payment integrity by returning a match status (e.g., match, partial match, no match) based on issuer response. Common use cases include verifying recipient names during payouts, checking account ownership during onboarding or enhancing risk checks for high-value transactions.

Get Started

To get started, please contact our team to activate the Account Name Verification feature on your merchantID.

Sample Request

To perform an account name verification, call the PATCH /alias endpoint with a previously created alias.

curl -L -X PATCH 'https://api.sandbox.datatrans.com/v1/aliases/{{alias}}' \
-H 'Authorization: Basic {{basicAuth}}' \
--data-raw '{
    "cardHolderNameVerification": {
        "firstName": "Frank",         
        "lastName": "Portman", 
        "middleName": "John"
    } 
}'

PCI DSS-compliant organisations are eligible to call the /cards endpoint using a plain card number:

curl -L -X POST 'https://api.sandbox.datatrans.com/v1/cards/verify' \
-H 'Authorization: Basic {{basicAuth}}' \
--data-raw '{
    "pan": "4343434343434345",
    "cardHolderNameVerification": {
        "firstName": "Frank",         
        "lastName": "Portman", 
        "middleName": "John"
    } 
}'

Sample Response

The API response will provide status values indicating the matching results from the issuer.

{
    "cardHolderNameVerification": {
        "nameMatch": "PARTIAL",
        "firstNameMatch": "FULL",
        "lastNameMatch": "NONE",
        "middleNameMatch": "PARTIAL"
    }
}

Account Name matching results:

Note: A successful response from the Account Name Verification service does not guarantee that an issuer will approve a funding or payment transaction. Other factors, such as transaction limits and the issuer’s compliance and fraud checks, may cause it to decline a transaction.

Errors

If an Account Name Verification (ANV) request cannot be performed, the API returns a NOT_VERIFIED error. This may occur, for example, if the card has been reported as stolen or if the issuer does not support ANV. In these cases, the request is not charged.

Supported card brands & Issuer coverage

As of today Visa and Mastercard branded cards are supported. Further card brands to be added upon availability and demand.

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Issuer coverage

Please note that the coverage depends on issuer support and can vary based on geographic region.

Testing

Your sandbox account is connecting to our Account Name Verification simulator. Please use the following credentials and rules for testing.

Test Card numbers

Name matching logic

The simulator determines match type for each field based on the first character of the name: