Simulating ANI Responses
Account Name Inquiry (ANI) is a functionality provided by Visa that allows the verification of a cardholder's name against the name registered with the issuing bank. The check could be conducted prior to a transaction during consumer onboarding, immediately before a transaction, at regular intervals, or on an ad-hoc basis.
The last name is the minimum requirement to initiate an Account Name Inquiry (ANI). To enable a more comprehensive verification, including the first name will allow for a full name validation. By default, all transactions will have an Account Name Inquiry (ANI) response of a MATCH. To simulate a different response in the test environment, simply add a prefix code before the value entered for the last name, or both the first and last names.
Once the ANI outcome is received and the KYC decision is made, you can proceed with payments, standalone credits, or original credit requests. This ensures the consumer’s name has already passed an additional security check during onboarding and pre-transaction stages.
Note: The following values are applicable only for VISA transactions during verification.
Note: Account Name Inquiry (ANI) must be enabled before performing name verification. Contact Integration Support for further assistance.
| First Name Prefix | Last Name Prefix | ANI Code | Description |
|---|---|---|---|
| A | A | MATCH | First name fully matches. Last name fully matches. |
| - | A | MATCH | Last name fully matches. |
| A | B | PARTIAL_MATCH | First name fully matches. Last name partially matches. |
| A | C | PARTIAL_MATCH | First name fully matches. No part of the last name matches. |
| B | A | PARTIAL_MATCH | First name partially matches. Last name fully matches. |
| - | B | PARTIAL_MATCH | Last name partially matches. |
| B | B | PARTIAL_MATCH | First name partially matches. Last name partially matches. |
| B | C | PARTIAL_MATCH | First name partially matches. No part of the last name matches. |
| C | A | PARTIAL_MATCH | No part of the first name matches. Last name fully matches. |
| - | C | NO_MATCH | No part of the last name matches. |
| C | B | PARTIAL_MATCH | No part of the first name matches. Last name partially matches. |
| C | C | NO_MATCH | No part of the last name matches. No part of the first name matches |
| D | UNKNOWN | Unknown response from issuer/bank. | |
| E,F | NOT_PROCESSED | Last name information is unavailable. |
cURL -X POST https://api.test.paysafe.com/cardpayments/v1/accounts/89987201/auths \
-u devcentre322:B-qa2-0-53625f86-302c021476f52bdc9deab7aea876bb28762e62f92fc6712d0214736abf501e9675e55940e83ef77f5c304edc7968 \
-H 'Content-Type: application/json' \
-d ' "merchantRefNum": "demo-1b",
"amount": 10098,
"card": {
"cardNum": "4111111111111111",
"cardExpiry": {
"month": 1,
"year": 2027
},
"cvv": "123"
},
"profile": {
"firstName": "Adam",
"lastName": "Alock"
},
"billingDetails": {
"street": "12",
"city": "Toronto",
"state": "ON",
"country": "CA",
"zip": "M5H 2N2"
}
} '
{
"id": "0bca6409-b3cf-414b-acb4-010930f9fbe1",
"merchantRefNum": "demo-1b",
"txnTime": "2024-05-13T15:00:09Z",
"status": "COMPLETED",
"card": {
"type": "VI",
"lastDigits": "1111",
"cardExpiry": {
"month": 1,
"year": 2027
},
"issuingCountry": "US"
},
"authCode": "786954",
"profile": {
"lastName": "Adam Alock"
},
"billingDetails": {
"street": "12",
"city": "Toronto",
"state": "ON",
"country": "CA",
"zip": "M5H2N2"
},
"merchantDescriptor": {
"dynamicDescriptor": "S HARDY DRIVE",
"phone": "480-333-3333"
},
"visaAdditionalAuthData": {},
"currencyCode": "USD",
"avsResponse": "MATCH_ZIP_ONLY",
"cvvVerification": "MATCH",
"nameVerification": "MATCH",
"firstNameVerification": "MATCH",
"lastNameVerification": "MATCH",
"links": [
{
"rel": "self",
"href": "https://api.test.netbanx.com/cardpayments/v1/accounts/89987201/verifications/0bca6409-b3cf-414b-acb4-010930f9fbe1"
}
]
}