Account Owner (Name) Inquiry
Available soon
Your account must be enabled for this feature.
The account owner inquiry is supported for Visa and Mastercard.
It can be performed in two ways:
- Using the Account Verification endpoint
- Using a zero-amount Payment Card Sale transaction
For both options the accountOwner object is required in the request.
Important
- Independent of the chosen option, neither Visa Business Application Identifier (BAI) or Mastercard Transaction Type Identifier (TTI), nor sender or receiver data must be included in the request.
- No cardholder authentication through 3D-Secure required
Option 1: Account Verification Endpoint
Use POST /account-verification with PaymentCardVerificationRequest.
Required fields
| Field | Presence | Description |
|---|---|---|
paymentCard.expiryDate | M | Card expiry date |
paymentCard.number | M | Card number |
paymentCard.securityCode | O | Card security code (recommended to send) |
order.accountOwner.firstName | M | First name of the account owner |
accountOwner.middleName | O | Middle name of the account owner |
accountOwner.lastName | M | Last name of the account owner |
accountOwner.ownerType | M | Use 'PRIMARY' or 'SECONDARY' |
accountOwner.role | M | Use 'SENDER' or 'RECEIVER' |
Request Example
{
"requestType": "PaymentCardVerificationRequest",
"storeId": "12345500000",
"merchantTransactionId": "ani-123456",
"transactionOrigin": "ECOM",
"paymentCard": {
"number": "4035874000424977",
"securityCode": "977",
"brand": "VISA",
"expiryDate": {
"month": "12",
"year": "25"
}
},
"billingAddress": {
"address1": "5565 Glenridge Conn",
"city": "Atlanta",
"postalCode": "30342",
"country": "USA"
},
"accountOwner": {
"firstName": "Pete",
"middleName": "Maverick",
"lastName": "Mitchell",
"ownerType": "PRIMARY",
"role": "SENDER"
}
}
...
{
"accountVerificationResponse": {
"firstNameMatch": "MATCH",
"middleNameMatch": "PARTIAL_MATCH",
"lastNameMatch": "NO_MATCH",
"fullNameMatch": "MATCH",
"nameMatchIndicator": "PERFORMED"
}
}
...
Option 2: Zero-Amount Payment Card Sale
Your account must be enabled for zero amount transactions.
Use POST /payments endpoint with requestType 'PaymentCardSaleTransaction' and set transactionAmount.total to 0.
Required fields
| Field | Presence | Description |
|---|---|---|
transactionAmount.total | M | Use zero amount ('0') |
paymentCard.expiryDate | M | Card expiry date |
paymentCard.number | M | Card number |
paymentCard.securityCode | O | Card security code (recommended to send) |
order.accountOwner.firstName | M | First name of the account owner |
order.accountOwner.middleName | O | Middle name of the account owner |
order.accountOwner.lastName | M | Last name of the account owner |
order.accountOwner.ownerType | M | Use 'PRIMARY' or 'SECONDARY' |
order.accountOwner.role | M | Use 'SENDER' or 'RECEIVER' |
Example
{
"requestType": "PaymentCardSaleTransaction",
"storeId": "12345500000",
"merchantTransactionId": "ani-sale-123456",
"transactionOrigin": "ECOM",
"transactionAmount": {
"total": 0,
"currency": "EUR"
},
"paymentMethod": {
"paymentCard": {
"number": "4035874000424977",
"securityCode": "977",
"brand": "VISA",
"expiryDate": {
"month": "12",
"year": "25"
}
}
},
"order": {
"accountOwner": {
"firstName": "Pete",
"middleName": "Maverick",
"lastName": "Mitchell",
"ownerType": "PRIMARY",
"role": "SENDER"
}
}
}
...
{
"accountVerificationResponse": {
"firstNameMatch": "MATCH",
"middleNameMatch": "PARTIAL_MATCH",
"lastNameMatch": "NO_MATCH",
"fullNameMatch": "MATCH",
"nameMatchIndicator": "PERFORMED"
}
}
...
If account name inquiry data is returned, the response may include accountVerificationResponse.
Possible Match Values
| Field | Possible Values |
|---|---|
| firstNameMatch | MATCH, PARTIAL_MATCH, NO_MATCH |
| middleNameMatch | MATCH, PARTIAL_MATCH, NO_MATCH |
| lastNameMatch | MATCH, PARTIAL_MATCH, NO_MATCH |
| fullNameMatch | MATCH, PARTIAL_MATCH, NO_MATCH |
| nameMatchIndicator | PERFORMED, NOT_SUPPORTED, NOT_PERFORMED |
