Payliance Expands Card Verify with Mastercard Account Name Inquiry (ANI)

Payliance Expands Card Verify with Mastercard Account Name Inquiry (ANI)

Payliance News, Payments March 5, 2026

Fraud prevention in installment lending continues to evolve, and so does Payliance’s Card Verify service. Building on last year’s integration of Visa Account Name Inquiry (ANI), Payliance is pleased to announce that Card Verify now supports Mastercard Account Name Inquiry (ANI) as well, extending name verification capabilities across two of the most widely used card networks.

What Is Account Name Inquiry (ANI)?

For lenders who may not yet be leveraging this capability, ANI enables them to verify that the name provided by a cardholder at the time of application matches the name on file with their issuing bank. Unlike traditional verification methods such as AVS and CVV, which confirm address and card validity, ANI directly addresses one of the most common vectors for synthetic identity fraud: name misrepresentation.

Through Payliance’s Card Verify service, lenders receive:

• Match results for first name, last name, and full name comparisons
• Standardized response codes (Match, Partial Match, No Match, Not Supported)
• Results accessible through multiple channels, including the Card API, Card Verify Report, and Payliance Virtual Terminal
• Integration through a single API call alongside all other Card Verify data points

Expanding Coverage with Mastercard ANI

Since Visa ANI became available through Card Verify in April 2024, lenders have been able to apply name verification to Visa card transactions as a proactive measure against fraudulent applications. With the addition of Mastercard ANI, that same capability now extends to Mastercard cardholders, giving lenders a more consistent and comprehensive verification standard across a broader share of their card-based transactions.

For lending portfolios that include a significant mix of Visa and Mastercard debit products, this expansion means fewer gaps in name verification coverage and a more uniform approach to fraud screening at the point of application or funding.

Why Name Verification Matters for Installment Lenders

Synthetic identity fraud remains a significant and growing threat in the installment lending space, particularly for lenders serving subprime and near-prime consumers. Fraudsters often pass standard AVS and CVV checks using stolen or fabricated card data paired with mismatched identity information. ANI adds a layer of verification that directly targets this gap.

Combined with the broader data Card Verify already returns, including card issuer, country of origin, card type classification, and lost/stolen card flags, name verification via Visa and Mastercard ANI enables more sophisticated risk scoring and decision-making without adding friction for legitimate borrowers.

Implementation

For existing Card Verify users, adding Mastercard ANI requires minimal changes. ANI can be configured to run on every verification or triggered by specific conditions, and response codes are standardized for straightforward integration into existing decision engines.

For lenders not yet using Card Verify, the service consolidates all of these data points, including ANI for both Visa and Mastercard, through a single API call, eliminating the need to maintain multiple vendor integrations for card verification.

To learn more about implementing Card Verify with ANI in your lending operation, contact Payliance for a consultation on how this enhanced verification capability can support your specific risk management and growth objectives. Download the Solution Brief here, and click here to Get Started today.