Account Name Validation (ANV) is a feature that allows merchants to verify the cardholder's name against the name on file with the card issuer before or during a transaction.

This feature is supported for Visa, Mastercard, and AMEX.

There are two distinct ways to integrate Account Name Validation: Standalone Mode and Embedded Mode.

Standalone Mode

In Standalone Mode, you perform a name check with 0 amount transaction and payabl. returns name_validation_results parameter in syncronous server response or to webhook to your notification URL.

For transactions above 0 amount, name_validation_results parameter will not be returned in our response.

Standalone Mode

1. Mastercard and VISA

   • You must pass the cardholder_name parameter.
   • The payment request must be 0.

2. AMEX

   • You must pass the cardholder_name parameter.
   • The payment request must be 0.
   • Billing Address Required: You must provide the complete billing address. If any of the following parameters are missing, the name validation will not execute for AMEX, and the validation result parameter will not be sent in our response:
     • street (string max. 100 characters. Street of the customer's address.)
     • zip (string max. 10 characters. The customer's postal code)
     • city (string max. 40 characters. The customer's city)
     • country (string 3-character ISO 3166-1)

API request example:

Request example:

https://sandbox.payabl.com/pay/backoffice/payment_authorize?merchantid=gateway_test_3d&payment_method=1&currency=EUR&[email protected]&cvc_code=123&amount=10&orderid=125Test&language=en&customerip=127.0.0.1&ccn=4297016519240436&exp_month=01&exp_year=2040&firstname=AVS&lastnamt=Test&notification_url=https://webhook.site/04cc056a-9e86-4b6a-b0b8-2e52f2e39c71&street=202%20Second%20Avenue&zip=13115&country=USA&city=New%20York&state=New%20York%20City&cardholder_name=payabl%20Test&signature=accce3cfc42d11b34a003859eff7108e1fb2dc59

Response example:

transactionid=216976335&transid=216976335&status=0&errormessage=&errmsg=&amount=0&price=0&currency=EUR&orderid=125Test&avs_result=none&user_id=2114859&transaction_identifier=921681094258735&name_validation_results=MATCH

Embedded Mode

In Embedded Mode, the name check is performed synchronously with standard financial transactions (amounts greater than 0). The transaction will be automatically blocked or allowed to proceed based on the strictness rules configured for your account.

If the transaction amount is 0, we will simply return the name_validation_results parameter without blocking the request.

1. Mastercard and VISA

   • You must pass the cardholder_name parameter.
   • The payment request amount must be greater than 0.

2. AMEX

   • You must pass the cardholder_name parameter.
   • The payment request amount must be greater than 0.
   • Billing Address Required: You must provide the complete billing address. If any of the following parameters are missing, the name validation will not execute for AMEX, and the validation result parameter will not be sent in our response:
     • street (string max. 100 characters. Street of the customer's address.)
     • zip (string max. 10 characters. The customer's postal code)
     • city (string max. 40 characters. The customer's city)
     • country (string 3-character ISO 3166-1)

API request example:

The below is for account setup to accept only "MATCH" results.

Request example:

https://sandbox.payabl.com/pay/backoffice/payment_authorize?merchantid=gateway_test_3d&payment_method=1&currency=EUR&[email protected]&cvc_code=123&amount=0.01&orderid=125Test&language=en&customerip=127.0.0.1&ccn=4297016519240436&exp_month=01&exp_year=2040&firstname=AVS&lastnamt=Test&notification_url=https://webhook.site/04cc056a-9e86-4b6a-b0b8-2e52f2e39c71&street=202%20Second%20Avenue&zip=13115&country=USA&city=New%20York&state=New%20York%20City&cardholder_name=payabl%20Test&signature=accce3cfc42d11b34a003859eff7108e1fb2dc59

Response example for success scenario:

orderid=payabl.+Test&type=order&cardholder=PAYABL+TEST&security=c1e12151e97c04554690f4f5b36f6487d5bd2e97&errormessage=&currency=EUR&payment_method=1&amount=0.01&name_validation_results=MATCH&errorcode=0&transactionid=446509171&type=capture

Response example for blocked scenario:

&orderid=payabl.+Test&type=order&cardholder=PAYABL+TEST&security=c1e12151e97c04554690f4f5b36f6487d5bd2e97&errormessage=Name+validation+result+does+not+match+with+minimum+requirement&currency=EUR&payment_method=1&amount=0.01&name_validation_results=NO_MATCH&errorcode=-6187&transactionid=446509171&type=order

Possible name validation results

Sandbox testing

Currently Sandbox testing is not available.