[user5994461]

Having worked around payments, I can guarantee you that card networks do check the Card Holder name. Better yet, they can match against first name, last name and middle name to adjust the risk rating of individual transactions.

Albeit, this is rarely used to block payments, because if they stopped payments when customers didn't put their middle name the exact way it's written on their card, nobody would be able to pay online.

[waterside81]

It’s up to the merchant to decide. You can ask for as little as card number and expiry. All up to the merchant based on how they configure their payment processor

[adrr]

There is no error code that denotes invalid name. Sure the banks gateway fraud detection can decline auth(most don’t), but there would be no way to communicate back to the merchant that the customers needs to check the spelling of the name. I’ve also never seen it when I ran technology at a e-commerce startup that did millions of transactions of month.

[winrid]

I'm not so sure. I have a credit card under a completely different name (by accident).

[inferiorhuman]

I think the claim is that credit card processors don't validate names at payment time. Back before KYC became a thing you could sign up for a credit card with whatever name you preferred. I think it's a bit more strict these days.

[winrid]

Ah, well it was only a few years ago.