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Information Security

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  • Online, even if the name on the card was forwarded to the merchant, the merchant could do nothing to prove the identity of the card holder. Indeed, the one buying the service (the card holder) needs not to be the same person as the end user: it can be an acquaintance. The website has nothing to compare the card holder name to. Commented Nov 5, 2019 at 12:55
  • Interesting feedback. Indeed, it's not completely uncommon to buy something on behalf of somebody else, especially if that "somebody" is partner, very close friend or family member. "as this [cardholder name] does not even get sent over the wire" is a good point Commented Nov 5, 2019 at 13:10
  • I agree. Having performed credit card integrations through a number of different processors, there is rarely an option to verify the name of the card holder even if you wanted to. It might be worth adding why they ask for the name when it doesn't even matter and they clearly don't check it. Commented Nov 5, 2019 at 13:17
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    Thanks for the feedback, Conor. I think it's more to do with 'security theater' than anything else. Commented Nov 5, 2019 at 14:14