I see it because they have to write it down and I send it to credit card processor.
The question is with which cards the name is actually checked against the card holder. I know in some cases it is and the payment is refused, in many cases, any string would work.
What about chip and contactless?
Even if the name is not transmitted, is it somehow revealed during the communication with the merchant? Either at processing or settlement time.
See the section on ISO-defined data elements (ver 1987) it has evolved since but this is what the industry uses still in USA.
