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Account Name Inquiry with a Zero Amount Authorization

Account name inquiry (ANI) is an optional enhancement to the zero-amount authorization for verifying that the customer’s name matches the name on their card account with the issuing bank. ANI verification reduces fraud risk, especially for an account funding transaction (AFT) or original credit transaction (OCT).
ANI verification is useful in these scenarios:
  • Customer account set up.
  • Before an AFT or OCT.
  • To support regulatory and anti-money laundering expectations, particularly in gambling and money movement cases.

How to Request an ANI

To request an ANI verification on a zero amount authorization, include the
processingInformation.cardVerification.checkANI
 field in the authorization request, and set the value to
Y
.

Card Types

ANI is available for Mastercard and Visa. More card types will support ANI in the future.
Mastercard Rules
Include the
recipientInformation
,
billTo
, or
senderInformation
 fields. ANI looks for names in this order:
  1. recipientInformation.lastName
  2. senderInformation.lastName
  3. orderInformation.billTo.lastName
If you include the
senderInformation
 and
recipientInformation
 fields, the name verification fails. Send one or the other.
If you include the
senderInformation
 and
orderInformation.billTo
 fields, name verification runs on the
senderInformation
 fields.
If you include
recipientInformation
 and
orderInformation.billTo
 fields, name verification runs on the
recipientInformation
 fields.
Visa Rules
Include the
recipientInformation
 or the
orderInformation.billTo
 fields.
If you include
recipientInformation
 and
orderInformation.billTo
 fields, name verification runs on the
recipientInformation.lastName
 fields.

All Card Types

IMPORTANT
The
Barclays
 processor does not support characters with diacritical marks, such as á, ü, or ñ. Do not include them.
Optionally, you can include these fields for name verification:
  • recipientInformation.firstName
  • recipientInformation.middleName
  • senderInformation.firstName
  • senderInformation.middleName
  • orderInformation.billTo.firstName
  • orderInformation.billTo.middleName

Handling Match Results

Use match results to decide whether to proceed, retry, or flag the transaction for fraud checks.
The ANI response includes name match results in these fields:
  • processorInformation.merchantAdvice.nameMatch
    Possible values:
    • 00
      : Name match performed
    • 01
      : Name match not performed
    • 02
      : Name match not supported
  • processorInformation.electronicVerificationResults.code
    Possible values:
    • Y
      : Match
    • N
      : No match
    • O
      : Partial match
    • U
      : Not performed or supported
  • processorInformation.electronicVerificationResults.firstName
    Possible values:
    • Y
      : Match
    • N
      : No match
    • O
      : Partial match
    • U
      : Not performed or supported
  • processorInformation.electronicVerificationResults.lastName
    Possible values:
    • Y
      : Match
    • N
      : No match
    • O
      : Partial match
    • U
      : Not performed or supported
  • processorInformation.electronicVerificationResults.middleName
    Possible values:
    • Y
      : Match
    • N
      : No match
    • O
      : Partial match
    • U
      : Not performed or supported

Controlling ANI Results

By default, a no match or partial match ANI result might not result in a decline.
You can change this behavior by including the
processingInformation.authorizationOptions.declineAniFlags
 request field to specify a space-separated list of ANI result codes. If the ANI response matches one of those values, the transaction is declined.
Example:
decline_ani_flags = N O
results in a decline on
No match
 or
Partial match
.
The decline response code is
ANI_FAILED
.

Endpoint

Production:
POST
https://api.smartpayfuse.barclaycard
/pts/v2/payments
Test:
POST
https://api.smartpayfuse-test.barclaycard
/pts/v2/payments

Required Fields for Account Name Inquiry

orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
Set the value to
0
.
orderInformation.billTo.address1
orderInformation.billTo.address2
orderInformation.billTo.administrativeArea
orderInformation.billTo.country
orderInformation.billTo.email
orderInformation.billTo.lastName
orderInformation.billTo.locality
orderInformation.billTo.phoneNumber
orderInformation.billTo.postalCode
paymentInformation.card.expirationMonth
paymentInformation.card.expirationYear
paymentInformation.card.number
paymentInformation.card.securityCode
paymentInformation.card.type
processingInformation.cardVerification.checkANI
Set to
Y
.
recipientInformation.lastName
senderInformation.lastName

Optional Fields for Account Name Inquiry

orderInformation.billTo.firstName
orderInformation.billTo.middleName
processingInformation.authorizationOptions.declineAniFlags
Possible values separated by a space:
  • Y
    : Match
  • O
    : Partial match
  • N
    : No match
  • U
    : Unverified
  • R
    : Retry
recipientInformation.firstName
recipientInformation.middleName
senderInformation.firstName
senderInformation.middleName

REST Example: Account Verification with Account Name Inquiry

Visa MOTO Request
This example includes optional fields.
{
  "clientReferenceInformation": {
    "code": "ANI_MOTO_1"
  },
  "processingInformation": {
    "commerceIndicator": "moto",
    "cardVerification": {
      "checkANI": "Y"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "0.00",
      "currency": "gbp"
    },
    "billTo": {
      "firstName": "Bob",
      "lastName": "Smith",
      "address1": "4 Merevale Avenue",
      "locality": "Leicester",
      "postalCode": "LE10 2BU",
      "country": "UK",
      "phoneNumber": "12345678901",
      "email": "test@cybs.com"
    }
  },
  "paymentInformation": {
    "card": {
      "type": "001",
      "number": "CARD_NUMBER",
      "expirationYear": "2030",
      "expirationMonth": "03",
      "securityCode": "101"
    }
  },
  "recipientInformation": {
    "firstName": "Robert",
    "middleName": "Tyler",
    "lastName": "Smith"
  }
}
Response to a Successful Visa MOTO Request
{
  "_links" : {
    "authReversal" : {
      "method" : "POST",
      "href" : "/pts/v2/payments/7806615511826390803092/reversals"
    },
    "self" : {
      "method" : "GET",
      "href" : "/pts/v2/payments/7806615511826390803092"
    },
    "capture" : {
      "method" : "POST",
      "href" : "/pts/v2/payments/7806615511826390803092/captures"
    }
  },
  "clientReferenceInformation" : {
    "code" : "ANI_MOTO_1"
  },
  "id" : "7806615511826390803092",
  "orderInformation" : {
    "amountDetails" : {
      "authorizedAmount" : "0.00",
      "currency" : "gbp"
    }
  },
  "paymentAccountInformation" : {
    "card" : {
      "type" : "001"
    }
  },
  "paymentInformation" : {
    "tokenizedCard" : {
      "type" : "001"
    },
    "card" : {
      "type" : "001"
    }
  },
  "pointOfSaleInformation" : {
    "terminalId" : "04980994"
  },
  "processorInformation" : {
    "electronicVerificationResults" : {
      "lastName" : "O",
      "firstName" : "Y",
      "code" : "O",
      "middleNameRaw" : "N",
      "firstNameRaw" : "M",
      "lastNameRaw" : "P",
      "codeRaw" : "P",
      "middleName" : "N"
    },
    "paymentAccountReferenceNumber" : "V0010013018036776997406844475",
    "merchantNumber" : "0006817027",
    "approvalCode" : "0",
    "cardVerification" : {
      "resultCodeRaw" : "1",
      "resultCode" : "P"
    },
    "merchantAdvice" : {
      "code" : "00",
      "codeRaw" : "0",
      "nameMatch" : "00"
    },
    "networkTransactionId" : "123456789012345",
    "transactionId" : "123456789012345",
    "responseCode" : "0",
    "avs" : {
      "code" : "U",
      "codeRaw" : "00"
    }
  },
  "status" : "AUTHORIZED",
  "submitTimeUtc" : "2026-06-05T12:12:31Z"
}
Mastercard Request
This example includes optional fields.
{
  "clientReferenceInformation": {
    "code": "ANI_3DS_5"
  },
  "processingInformation": {
    "commerceIndicator": "spa",
    "cardVerification": {
      "checkANI": "Y"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "0.00",
      "currency": "gbp"
    },
    "billTo": {
      "firstName": "Susanna",
      "lastName": "Garcia",
      "address1": "134 The Avenue",
      "locality": "Endon",
      "postalCode": "ST9 4BD",
      "country": "UK",
      "phoneNumber": "12345678901",
      "email": "test@cybs.com"
    }
  },
  "paymentInformation": {
    "card": {
      "type": "002",
      "number": "CARD_NUMBER",
      "expirationMonth": "03",
      "expirationYear": "2030",
      "securityCode": "102"
    }
  },
  "consumerAuthenticationInformation": {
    "ucafCollectionIndicator": "2",
    "ucafAuthenticationData": "jHyn+7YFi1EUAREAAAAvNUe6Hv8=",
    "directoryServerTransactionId": "3ae00cc4-5bb1-47c9-872b-ce6299279da6",
    "paSpecificationVersion": "2.2"
  },
  "senderInformation": {
    "firstName": "Susanna",
    "lastName": "Garcia"
  }
}
Response to a Successful Mastercard Request
{
  "_links" : {
    "authReversal" : {
      "method" : "POST",
      "href" : "/pts/v2/payments/7806616909726391303092/reversals"
    },
    "self" : {
      "method" : "GET",
      "href" : "/pts/v2/payments/7806616909726391303092"
    },
    "capture" : {
      "method" : "POST",
      "href" : "/pts/v2/payments/7806616909726391303092/captures"
    }
  },
  "clientReferenceInformation" : {
    "code" : "ANI_3DS_5"
  },
  "id" : "7806616909726391303092",
  "orderInformation" : {
    "amountDetails" : {
      "authorizedAmount" : "0.00",
      "currency" : "gbp"
    }
  },
  "paymentAccountInformation" : {
    "card" : {
      "type" : "002"
    }
  },
  "paymentInformation" : {
    "tokenizedCard" : {
      "type" : "002"
    },
    "card" : {
      "type" : "002"
    }
  },
  "pointOfSaleInformation" : {
    "terminalId" : "04980993"
  },
  "processorInformation" : {
    "electronicVerificationResults" : {
      "lastName" : "U",
      "firstName" : "U",
      "code" : "N",
      "middleNameRaw" : "X",
      "firstNameRaw" : "X",
      "lastNameRaw" : "X",
      "codeRaw" : "N",
      "middleName" : "U"
    },
    "paymentAccountReferenceNumber" : "M1234567890123456789012345678",
    "merchantNumber" : "0006817027",
    "approvalCode" : "0",
    "cardVerification" : {
      "resultCodeRaw" : "2",
      "resultCode" : "M"
    },
    "merchantAdvice" : {
      "code" : "00",
      "codeRaw" : "0",
      "nameMatch" : "00"
    },
    "networkTransactionId" : "HNR0000000611",
    "transactionId" : "HNR0000000611",
    "responseCode" : "0",
    "avs" : {
      "code" : "U",
      "codeRaw" : "00"
    }
  },
  "status" : "AUTHORIZED",
  "submitTimeUtc" : "2026-06-05T12:14:51Z"
Request with Visa billTo Fields Only
This example includes optional fields.
{
  "clientReferenceInformation": {
    "code": "ANI_3DS_9"
  },
  "processingInformation": {
    "commerceIndicator": "vbv",
    "cardVerification": {
      "checkANI": "Y"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "0.00",
      "currency": "gbp"
    },
    "billTo": {
      "firstName": "Matthew",
      "middleName": "Dylan"
      "lastName": "Brown",
      "address1": "72 Wellingborough Road",
      "locality": "Northampton",
      "postalCode": "NN1 9HT",
      "country": "UK",
      "phoneNumber": "12345678901",
      "email": "test@cybs.com"
    }
  },
  "paymentInformation": {
    "card": {
      "type": "001",
      "number": "CARD_NUMBER",
      "expirationMonth": "03",
      "expirationYear": "2030",
      "securityCode": "105"
    }
  },
  "consumerAuthenticationInformation": {
    "cavv": "0987654321fedcba1234567890ABCDEFEDCBB123"
  }
}
Response to a Successful Request with Visa billTo Fields Only
{
  "_links" : {
    "authReversal" : {
      "method" : "POST",
      "href" : "/pts/v2/payments/7806618464686392103092/reversals"
    },
    "self" : {
      "method" : "GET",
      "href" : "/pts/v2/payments/7806618464686392103092"
    },
    "capture" : {
      "method" : "POST",
      "href" : "/pts/v2/payments/7806618464686392103092/captures"
    }
  },
  "clientReferenceInformation" : {
    "code" : "ANI_3DS_9"
  },
  "id" : "7806618464686392103092",
  "orderInformation" : {
    "amountDetails" : {
      "authorizedAmount" : "0.00",
      "currency" : "gbp"
    }
  },
  "paymentAccountInformation" : {
    "card" : {
      "type" : "001"
    }
  },
  "paymentInformation" : {
    "tokenizedCard" : {
      "type" : "001"
    },
    "card" : {
      "type" : "001"
    }
  },
  "pointOfSaleInformation" : {
    "terminalId" : "04980990"
  },
  "processorInformation" : {
    "electronicVerificationResults" : {
      "lastName" : "Y",
      "firstName" : "Y",
      "code" : "Y",
      "middleNameRaw" : "M",
      "firstNameRaw" : "M",
      "lastNameRaw" : "M",
      "codeRaw" : "M",
      "middleName" : "Y"
    },
    "paymentAccountReferenceNumber" : "V0010013018036776997406844475",
    "merchantNumber" : "0006817027",
    "approvalCode" : "0",
    "cardVerification" : {
      "resultCodeRaw" : "5",
      "resultCode" : "2"
    },
    "merchantAdvice" : {
      "code" : "00",
      "codeRaw" : "0",
      "nameMatch" : "00"
    },
    "networkTransactionId" : "123456789012345",
    "transactionId" : "123456789012345",
    "responseCode" : "0",
    "avs" : {
      "code" : "U",
      "codeRaw" : "00"
    }
  },
  "status" : "AUTHORIZED",
  "submitTimeUtc" : "2026-06-05T12:17:26Z"
}
Decline ANI Request
This example includes optional fields.
{
  "clientReferenceInformation": {
    "code": "ANI_3DS_4"
  },
  "processingInformation": {
    "authorizationOptions": {
      "declineAniFlags": "N"
    },
    "commerceIndicator": "vbv",
    "cardVerification": {
      "checkANI": "Y"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "0.00",
      "currency": "gbp"
    },
    "billTo": {
      "firstName": "Ben",
      "lastName": "Stokes",
      "address1": "134 The Avenue",
      "locality": "Endon",
      "postalCode": "ST9 4BD",
      "country": "UK",
      "phoneNumber": "12345678901",
      "email": "test@cybs.com"
    }
  },
  "paymentInformation": {
    "card": {
      "type": "001",
      "number": "CARD_NUMBER",
      "expirationMonth": "03",
      "expirationYear": "2030",
      "securityCode": "102"
    }
  },
  "consumerAuthenticationInformation": {
    "cavv": "jHyn+7YFi1EUAREAAAAvNUe6Hv8=",
    "directoryServerTransactionId": "3ae00cc4-5bb1-47c9-872b-ce6299279da6",
    "paSpecificationVersion": "2.2"
  },
  "recipientInformation": {
    "firstName": "Benjamin",
    "middleName": "C",
    "lastName": "Stokes"
  }
}
Response to a Successful Decline ANI Request
{
  "_links" : {
    "self" : {
      "method" : "GET",
      "href" : "/pts/v2/payments/7806629787136393003092"
    }
  },
  "clientReferenceInformation" : {
    "code" : "ANI_3DS_4"
  },
  "errorInformation" : {
    "reason" : "ANI_FAILED",
    "message" : "Soft Decline - The authorization request was approved by the issuing bank but declined by CyberSource because it did not pass the Account Name Inquiry (ANI) check."
  },
  "id" : "7806629787136393003092",
  "orderInformation" : {
    "amountDetails" : {
      "authorizedAmount" : "0.00",
      "currency" : "gbp"
    }
  },
  "pointOfSaleInformation" : {
    "terminalId" : "04980986"
  },
  "processorInformation" : {
    "electronicVerificationResults" : {
      "lastName" : "N",
      "firstName" : "Y",
      "code" : "N",
      "middleNameRaw" : "N",
      "firstNameRaw" : "M",
      "lastNameRaw" : "N",
      "codeRaw" : "N",
      "middleName" : "N"
    },
    "paymentAccountReferenceNumber" : "V0010013018036776997406844475",
    "merchantNumber" : "0006817027",
    "approvalCode" : "0",
    "cardVerification" : {
      "resultCodeRaw" : "2",
      "resultCode" : "M"
    },
    "merchantAdvice" : {
      "code" : "00",
      "codeRaw" : "0",
      "nameMatch" : "00"
    },
    "networkTransactionId" : "123456789012345",
    "transactionId" : "123456789012345",
    "responseCode" : "0",
    "avs" : {
      "code" : "U",
      "codeRaw" : "00"
    }
  },
  "status" : "AUTHORIZED_PENDING_REVIEW",
  "submitTimeUtc" : "2026-06-05T12:36:18Z"
}
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