Is anything but the zip code actually checked ever? Besides the number and cv2 or whatever.

They get compared yes, and it feeds into the fraud likelihood score that the merchant gets sent. And then usually chooses to ignore, because they make more from going ahead with the transaction than from stopping because it's suspicious, but it makes it easier for the credit card industry to put the liability on them.

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neoecos an hour ago | parent | prev | next [-]

No. Credit card transactions cannot check for name or billing a part from the zip code. Also the zip code validation only works in certain countries like the US, and Canada.

The way to validate that works is Visa 3DS or MasterCard 3D Secure. Those sent an OTP from the issuer to the cardholder on the issuer database, usually an email or SMS. The issuer of the card is the only who really knows the owner of the card.

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justsomehnguy an hour ago | parent | prev [-]

Number, date (though I never bothered to check if it's actually checked, besides stupid frontend shenanigans when I couldn't enter it because it had a whole whooping month ahead of the current date) and CVC.

As soon as I learned what BANK NAME is acceptable name I used it almost everywhere.

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dizzant an hour ago | parent [-]

I’ve never heard of this. Are you saying I could enter “MyLocal Bank” as the payer name instead of my own when transacting online with a credit card? This seems like the kind of fact that should be essential privacy knowledge if true!

	▲	justsomehnguy an hour ago \| parent [-]
		Well, try it. But don't blame if some over zealous merchant would deny you without refund despite receiving you money.