Saving Your Reputation With Visa’s Account Name Inquiry
Blog post from Basis Theory
Visa’s optional Account Name Inquiry (ANI) service verifies whether the name submitted with card data matches the name held by the issuing bank, returning match, partial-match, or mismatch results before a transaction proceeds to settlement. At a stated cost of $0.10 per inquiry, it can help merchants reduce fraud, chargebacks, processing losses, penalties, and reputational harm caused by stolen or misused cards, though businesses with effective existing fraud controls or very low chargeback rates may judge the added expense unnecessary. ANI may also be deployed by full-service payment service providers without merchants directly controlling its use, creating potential concerns that repeated failures could influence a provider’s assessment of merchant risk. Because legitimate name discrepancies can result from typos, name changes, hyphens, special-character handling, or mobile-entry errors, payment systems should distinguish partial matches from outright mismatches and combine ANI results with other security checks. Merchants seeking direct control over ANI and payment routing may use multiple payment service providers, retain customer data ownership, and use a programmable payments vault to reduce PCI-DSS exposure while securely directing approved transactions to preferred processors.
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