Is it possible to check that a card actually belongs to a person?

[SYN_rj]

Is there a capability to check that a given cardholder name and a given card number correspond to each other? I.e. this exact cardholder name is written on that particular card? 

Alternatively, is there a way to fetch cardholder name by a card number? Or are there other features which may help validate cardholder identity?

[ricardo_visa · Accepted solution]

Hi there,

Cards are issued by Visa issuing banks which have all the details about cards such as: cardholder name. Visa cannot provide such information through the APIs.

However, we have an API Payment Account Validation provides other ways to validate cardholder identity. It accepts a primary account number (PAN) as input and performs an Account Verification.  

You can optionally elect to have Address Verification and/or CVV2 Validation done at the same time.  The API returns the validation results for each option in the API response.

Check out the API here: https://developer.visa.com/products/pav

Does this help? Happy to assist further on it if you share your use case.

Thank you!

Ricardo