Yes, the question is a bit more complicated though. When I accept cards, I see a name, usually the one they write in the card owner input box on the web.

But consider SEPA - even if you only use IBANs, the name actually gets resolved during payment. So people who think they write John Doe in order form are actually not anonymous at all, because when the transaction is settled, I see their name.

The question then becomes - is there an API call or part of the settlement process that reveals the user name to the merchant? I don't care about card number, I consider it doxxed anyway.