Do prepaid card provide anonymity ??

[troubled soul]

If I open anonymous Bank/EMI which provide Prepaid card.
Can This prepaid card use in my real business account like in Ad platform that accept Prepaid card?
Do Ad platform will know that this card does not belong to me ??

Anonymous Bank/EMI ->Prepaid Card->Online Ad Network (Real Business/ no fake/Dark)

If This operation is legit ?
Do any loophole here ???

 

[Sols]

azb1 said:
If I open anonymous Bank/EMI which provide Prepaid card.
Can This prepaid card use in my real business account like in Ad platform that accept Prepaid card?
Do Ad platform will know that this card does not belong to me ??
Click to expand...

They won't know regardless of what card you use. There is no way to extract the name of the card holder from a card. You can input any name you want.

Toggle signature
This is the probably the answer to your question.

 

[troubled soul]

Sols said:
They won't know regardless of what card you use. There is no way to extract the name of the card holder from a card. You can input any name you want.
Click to expand...

Thanks for your reply. Sorry for my Ignorance.
So No Jail time for this setup in any scenario.
What would be the worst case scenario happen in this setup ???

 

[PrepaidCardsAnonymous]

azb1 said:
Thanks for your reply. Sorry for my Ignorance.
So No Jail time for this setup in any scenario.
What would be the worst case scenario happen in this setup ???
Click to expand...

You will not have any problem, you can pay for services with another person's card (another name) in your account (registered in your name as Google Ads) and this will not affect you in any way, because there will be no report of that payment from the card prepaid.
and as you say the advertising / business is clean, that's fine
I see no problem

Sols said:
They won't know regardless of what card you use. There is no way to extract the name of the card holder from a card. You can input any name you want.
Click to expand...

Let's see, the company that receives the payment will always obtain the data such as the cardholder, etc.

But if there is no problem with the payment (complaint by the card issuer, or advertising that infringes ToS of the advertising network or that your payment connection is suspicious VPN, IP blacklisted)

If none of the above happens, the payment will be charged without any problem and a receipt will be made for said purchase where the data will appear and that's it



But clearly they can obtain the data, depending on the type of advertising network you use, these examples are in networks where you only have to pay with a card, and they are centralized advertising networks, all the payments you make with your account and more with your personal account, they are stored, by the network company or it can be by a third party, in any case everything is stored and more with card payment issues.

PD:

They can collect information from the payment issuer, if a described or more serious problem occurs as we discussed, even if you do not indicate it name, many pages have security to match data, such as name, address, postal code to be able to accept the charge / payment , there are other means supposedly safe collection like 3D's but not so new, that's why some website ask you for this information and others don't.

It also depends on the payment gateway.

Last edited: Jan 13, 2023

 

[Sols]

PrepaidCardsAnonymous said:
Let's see, the company that receives the payment will always obtain the data such as the cardholder, etc.

But if there is no problem with the payment (complaint by the card issuer, or advertising that infringes ToS of the advertising network or that your payment connection is suspicious VPN, IP blacklisted)

If none of the above happens, the payment will be charged without any problem and a receipt will be made for said purchase where the data will appear and that's it



But clearly they can obtain the data, depending on the type of advertising network you use, these examples are in networks where you only have to pay with a card, and they are centralized advertising networks, all the payments you make with your account and more with your personal account, they are stored, by the network company or it can be by a third party, in any case everything is stored and more with card payment issues.

PD:

They can collect information from the payment issuer, if a described or more serious problem occurs as we discussed, even if you do not indicate it name, many pages have security to match data, such as name, address, postal code to be able to accept the charge / payment , there are other means supposedly safe collection like 3D's but not so new, that's why some website ask you for this information and others don't.

It also depends on the payment gateway.
Click to expand...

There is no way for a merchant to obtain the name of a cardholder using any of the major card schemes from an online transaction. Maybe it's possible with some small domestic card networks but not Visa, Mastercard, Amex, Discover/Diners, and as far as I know neither JCB nor CUP. Absolutely none. Issuers will not respond to requests for information from a merchant. There are data protection and banking secrecy laws that prevent that disclosure.

All AVS can do is match certain data points and provide a score/grade of how much matches. It won't give you data back. AVS is very limited in what it can do, and it's only available to cards issued in US, UK, and Canada.

There is no additional information about the cardholder's identity shared with 3D Secure.

Advertising databases are not based on data obtained through a card transaction itself. That's data coming either via your issuer or via order data being sold from the merchant.

Toggle signature
This is the probably the answer to your question.

 

[PrepaidCardsAnonymous]

But what are you talking about mate??

With a payment processor, the majority that I have used, you can know the following information about your client, such as the Name of the holder, part of the digits of the card, type of card by its BIN, form of identification is 3D AVS the one you prefer , along with other more technical information depending on the filters used by each merchant in their business or the chosen gateway, such as user agent, time type, keyboard type, these extra data are for fraud filters in addition to the identification method.

Simply by reviewing the receipts they give to customers that the merchant can review and store, you can learn what types of primary data they can review, as well as many other complementary ones, I know from experience.

There are AVS response codes, both for VISA / MC / Discover / American Express that identify the queries made in each payment and the information that is collected or processed, you can review more thoroughly

And if we talk about MoR (Merchant Of Records) they are merchants who in their own businesses store the data in a self-encrypting database that they themselves can reveal if they have any report with that activity / card to the competent authority.

I point out that, like AVS, there are multiple similar services, also the same with 3D / 2D, there are many standards and competitors in different regions of the globe.

Sols said:
There is no way for a merchant to obtain the name of a cardholder using any of the major card schemes from an online transaction. Maybe it's possible with some small domestic card networks but not Visa, Mastercard, Amex, Discover/Diners, and as far as I know neither JCB nor CUP. Absolutely none. Issuers will not respond to requests for information from a merchant. There are data protection and banking secrecy laws that prevent that disclosure.

All AVS can do is match certain data points and provide a score/grade of how much matches. It won't give you data back. AVS is very limited in what it can do, and it's only available to cards issued in US, UK, and Canada.

There is no additional information about the cardholder's identity shared with 3D Secure.

Advertising databases are not based on data obtained through a card transaction itself. That's data coming either via your issuer or via order data being sold from the merchant.
Click to expand...

 

[MagicMatt]

Yes, many people don't realize is that when you purchase online using a card or swipe it through a terminal, the Name on Card data is not analyzed or checked in any way. Amazing in 2023 that this is still the case. You can enter Micky Mouse and the transaction will go through the same.

 

[Sols]

PrepaidCardsAnonymous said:
With a payment processor, the majority that I have used, you can know the following information about your client, such as the Name of the holder, part of the digits of the card, type of card by its BIN, form of identification is 3D AVS the one you prefer , along with other more technical information depending on the filters used by each merchant in their business or the chosen gateway, such as user agent, time type, keyboard type, these extra data are for fraud filters in addition to the identification method.
Click to expand...

Name is not provided by the card issuer in an online transaction. The only name you can get is what the buyer puts in.

BIN can reveal name and country of issuer and some information about type of card (credit/debit, gold/silver/platinum/whatever). I don't know why that's relevant for this discussion, though.

I don't know what user agent has to do with this. You can put in any user agent you want. But sure, fraud prevention solutions can do a good job of analysing the technical meta data.

PrepaidCardsAnonymous said:
Simply by reviewing the receipts they give to customers that the merchant can review and store, you can learn what types of primary data they can review, as well as many other complementary ones, I know from experience.
Click to expand...

Do you realize that CNP transactions are processed differently from POS transactions? There is a difference between connecting your physical card to a physical terminal vs entering card numbers on a website.

If stored on the card, name is stored on the EMV and/or mag stripe. Please tell me how you can access that in a CNP transaction.

PrepaidCardsAnonymous said:
There are AVS response codes, both for VISA / MC / Discover / American Express that identify the queries made in each payment and the information that is collected or processed, you can review more thoroughly
Click to expand...

Of course, I even mentioned that.

https://en.wikipedia.org/wiki/Address_verification_servicehttps://merchantservices.chase.com/support/faqs/address-verification-servicehttps://docs.adyen.com/risk-management/avs-checks#avs-mapping-table
Please show me how you use AVS responses to get the name and address of a Visa or Mastercard cardholder.

To reiterate, AVS is only available in US, UK, and Canada. Furthermore, not all issuers use/support all response codes.

PrepaidCardsAnonymous said:
And if we talk about MoR (Merchant Of Records) they are merchants who in their own businesses store the data in a self-encrypting database that they themselves can reveal if they have any report with that activity / card to the competent authority.
Click to expand...

That is not what MOR means. Just because you're MOR doesn't mean you have to go through the hassle of storing card data yourself. Even so, that has nothing to do with getting information about card holders. The only name and address you can store is what you get from the customer when they enter their card details on your website.

PrepaidCardsAnonymous said:
I point out that, like AVS, there are multiple similar services, also the same with 3D / 2D, there are many standards and competitors in different regions of the globe.
Click to expand...

OK, and what's the relevance of this statement? Are you saying that 3D Secure leaks personal data such as name and address to the merchant?

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This is the probably the answer to your question.

 

[troubled soul]

I have question regarding adding money to Forex Brokerage account using debit/credit card....They said You have to match the "name on card" and "Account Name"....How they got the name on Card ?
Can I use your card to fund my forex account @PrepaidCardsAnonymous ?

 

[Sols]

azb1 said:
I have question regarding adding money to Forex Brokerage account using debit/credit card....They said You have to match the "name on card" and "Account Name"....How they got the name on Card ?
Click to expand...

They can't. If they could, why would they even ask you to make sure they match?

If you card is issued in UK, US, or Canada, they can try to match it using AVS but that's not always supported even if your card is from those countries.

What they might do is, usually at a later stage, ask you for a photo or scan of your card to see that the name printed on the card matches what you've typed.

Toggle signature
This is the probably the answer to your question.

 

[troubled soul]

So Virtual prepaid card is kind of anonymous ....Am I right ?

 

[Sols]

azb1 said:
So Virtual prepaid card is kind of anonymous ....Am I right ?
Click to expand...

Depends on what you mean by anonymous (what data, from whom), and it depends on what type of prepaid virtual cards we're talking about.

Most of them are the same degree of anonymous as a physical card gives to you by your bank, in that it's impossible to extract the name from either in a CNP transaction.

They might be more anonymous if you're asked to provide a photo/scan of the card and there is no name on it. But that can be considered suspicious by the forex broker.

If you are using a prepaid virtual card that's topped up with anonymous methods and if there was no KYC involved in getting the card, you are anonymous aside from fingerprints you've left behind (IP address, phone number, email, you name it). Those types of cards have been popular with criminals, including terrorists (notably some big acts across Europe in the last 10 years) and tax evaders, which is why regulators are after them.

Toggle signature
This is the probably the answer to your question.

 

[MagicMatt]

azb1 said:
I have question regarding adding money to Forex Brokerage account using debit/credit card....They said You have to match the "name on card" and "Account Name"....How they got the name on Card ?
Can I use your card to fund my forex account @PrepaidCardsAnonymous ?
Click to expand...

They are fooling you. They will collect the name you enter and probably store it, and in some cases use it to check for possible fraud, but effectively they have misled you.

Many card processors are not honest with users in this. Try it next time by entering a made-up name.

 

[PrepaidCardsAnonymous]

Sols said:
Name is not provided by the card issuer in an online transaction. The only name you can get is what the buyer puts in.

BIN can reveal name and country of issuer and some information about type of card (credit/debit, gold/silver/platinum/whatever). I don't know why that's relevant for this discussion, though.

I don't know what user agent has to do with this. You can put in any user agent you want. But sure, fraud prevention solutions can do a good job of analysing the technical meta data.
Click to expand...

I think we are talking about different things, I am referring to when the client enters their information within a merchant platform or within a business page of any merchant.

The BIN is simply one more information that is collected in this type of inquiry form, just like the other information that is collected is simply complementary data, User-agent means the device, browser that the client used at that time, others more data than they can hold.

Sols said:
Do you realize that CNP transactions are processed differently from POS transactions? There is a difference between connecting your physical card to a physical terminal vs entering card numbers on a website.

If stored on the card, name is stored on the EMV and/or mag stripe. Please tell me how you can access that in a CNP transaction.
Click to expand...

I am not referring to a POS terminal transactions or on the receipts, I am referring to any receipt of any purchase made digitally for any CNP transaction, the data that the customer entered in the payment form appears, do you understand me?

Sols said:
Of course, I even mentioned that.

https://en.wikipedia.org/wiki/Address_verification_service https://merchantservices.chase.com/support/faqs/address-verification-service https://docs.adyen.com/risk-management/avs-checks#avs-mapping-tablePlease show me how you use AVS responses to get the name and address of a Visa or Mastercard cardholder.

To reiterate, AVS is only available in US, UK, and Canada. Furthermore, not all issuers use/support all response codes.
Click to expand...

That's why I told you
You can check that the response codes both on wikipedia and on that chase bussines page are incomplete, but you can check on the wiki page that the code from AMEX that incorporates "CARD MEMBER NAME" data is why I sent you these data from wikipedia.

Codes F / K / L / M / W

You can also review it on Adyen's page, (Number 19 / 20 / 21) Visa / Mastercard, Discover, American Express

Sols said:
That is not what MOR means. Just because you're MOR doesn't mean you have to go through the hassle of storing card data yourself. Even so, that has nothing to do with getting information about card holders. The only name and address you can store is what you get from the customer when they enter their card details on your website.
Click to expand...

But even if they do not have the obligation, many do it and this is what we are talking about in the MoR, about what you say about the client, that is exactly what I mean from the beginning, and all that information is in many cases NOT retroactive, If you are working with your account for 1 year, in the same payment processor and you make payments with the card xxxxxxxxxxxx0489 with the name of Tim and after 2 days you make a payment again with the same card but with a different name, it is easily verifiable and that you may have problems with this type of payment. ( Why do you think this happens? )

Sols said:
OK, and what's the relevance of this statement? Are you saying that 3D Secure leaks personal data such as name and address to the merchant?
Click to expand...

Not at all, I mean that there are many other options apart from AVS and 3D that are currently its competitors and that use different functions, and thousands of people do not use the same standards, you can see that there are many merchants that do not have AVS / 3D but use other verification systems.

azb1 said:
I have question regarding adding money to Forex Brokerage account using debit/credit card....They said You have to match the "name on card" and "Account Name"....How they got the name on Card ?
Can I use your card to fund my forex account @PrepaidCardsAnonymous ?
Click to expand...

When you make the payment, you have to add the same name that you added when registering, if I understand correctly, you can use our services without any problem, contact here or by telegram as best suits you and I will try to help you without problem.
@azb1

 

[Sols]

PrepaidCardsAnonymous said:
I think we are talking about different things, I am referring to when the client enters their information within a merchant platform or within a business page of any merchant.
Click to expand...

Me too. We're on the same page.

PrepaidCardsAnonymous said:
That's why I told you
You can check that the response codes both on wikipedia and on that chase bussines page are incomplete, but you can check on the wiki page that the code from AMEX that incorporates "CARD MEMBER NAME" data is why I sent you these data from wikipedia.

Codes F / K / L / M / W

You can also review it on Adyen's page, (Number 19 / 20 / 21) Visa / Mastercard, Discover, American Express
Click to expand...

F: Street address and postal code match (UK Only) / Street address matches, card member name does not match
K: Card member name matches
L: Card member name and ZIP match
M: Card member name, street address, and ZIP code match
W: 9-Digit ZIP and street address match

Which one of these tells me the name of a card holder? Do you see the difference between matching data and getting data?

Let's say a customer uses a card which supports AVS and we get the AVS response K. The customer entered the name John Smith. At which point do we obtain the card holder's name from the issuer? All we know is that John Smith isn't an exact match for the name on the card. Maybe it's Jonathan Smith, maybe it's John B. Smith, or maybe it's Jane Doe. All we know for sure is it isn't John Smith.

It's worth repeating that this is anyway only applicable to some cards issued in US, UK, and Canada. And not all issuers support all response codes. The issuers decide which ones to support. It's very, very common for issuers to only check that numerical values in address matches. People spell their names differently, misspell street names, use shortenings or alternative spellings in addresses, but usually get the numbers in their address right.

PrepaidCardsAnonymous said:
But even if they do not have the obligation, many do it and this is what we are talking about in the MoR, about what you say about the client, that is exactly what I mean from the beginning, and all that information is in many cases NOT retroactive, If you are working with your account for 1 year, in the same payment processor and you make payments with the card xxxxxxxxxxxx0489 with the name of Tim and after 2 days you make a payment again with the same card but with a different name, it is easily verifiable and that you may have problems with this type of payment. ( Why do you think this happens? )
Click to expand...

Why do you think it happens?

Let's say a merchant receives a transaction with card x0849 from Tim and stores that in their database. Then a year later, the same card is used again but this time with the name Bob. It's easy to see that the same card now has two names associated to it. However, the merchant still doesn't know whose card it is. They haven't obtained anything from the card issuer. Without looking at the card, the only data they have is what the customers have typed in on the website.

If the card is issued in US, UK, or Canada, the merchant might be able to look at AVS responses for guidance but even that's no guarantee. Maybe it's Tim's card and his full name is Timothy. Maybe it's Bob's card and his full name is Robert. Or maybe it's an issuer that only verifies the numerical values in the address and doesn't perform AVS based on name.

Toggle signature
This is the probably the answer to your question.

 

[PrepaidCardsAnonymous]

This is a multi-party process, both the merchant/platform/issuer.

The user makes the query on the merchant's page that is transferred by the payment platform, and this payment platform in consultation with the issuer, in this process, the query that is sent from the client to the merchant may or may not be hosted by the merchant and therefore the platform, this is the aspect that I want to deepen because we do not know what types of records / logs are stored in each merchant, for example in stripe you can review the queries of your clients and know the information that I have described to you previously manually, or block payments until manual confirmation because red flags are obtained with the payment, depends on the independent configuration of each merchant and its options.

Sols said:
F: Street address and postal code match (UK Only) / Street address matches, card member name does not match
K: Card member name matches
L: Card member name and ZIP match
M: Card member name, street address, and ZIP code match
W: 9-Digit ZIP and street address match
Click to expand...

You are describing about the issuer that performs the matching what we are discussing about the AVS that also specifies "Card Member Name" in some of these codes, it is understood that it is the cardholdername, but I mean about the merchant or platform that can host this data, that each customer enters.
Honestly I can create a store and accept credit card payments for example, and review the data of customers who try to make payments with credit cards, usually most of the data is hidden as the example of the card number xxxxxxxxxx0000, but the name of the owner that the client adds can be reviewed, which is the point we are reviewing, not counting the code options that can be used.
That's right, the Issuer already has the correct information (the only thing missing is for the business to have it to compare it with the issuer)
Therefore this is a problem with the payment processing that we are talking about, and for this reason they are hosting data from the clients, merchant or platform both.
That there are protocols or service systems from the issuer such as AVS that can identify some codes better than others is fine, but what we have been debating is whether they somehow know the information or can host it.

Sols said:
stores that in their database
Click to expand...

And this is what I want to confirm with you, that the merchant is saved in his own database that he can check later.