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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

ANI does not run automatically.
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.

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://nabgateway-api.nab.com.au
/pts/v2/payments
Test:
POST
https://nabgateway-api-test.nab.com.au
/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.firstName
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
.

Country-Specific Required Fields for Account Name Inquiry with Zero Amount Authorization

Use these country-specific required fields to process an account name inquiry with zero amount authorization.

Argentina

merchantInformation.taxId
Required for Mastercard transactions.
merchantInformation.transactionLocalDateTime
Required in Argentina when the time zone is not included in your account. Otherwise, this field is optional.

Brazil

paymentInformation.card.sourceAccountType
Required for combo card transactions.
paymentInformation.card.sourceAccountTypeDetails
Required for combo card line-of-credit and prepaid-card transactions.

Saudi Arabia

processingInformation.authorizationOptions.transactionMode

Taiwan

paymentInformation.card.hashedNumber

Optional Fields for Account Name Inquiry

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

Request
This example includes optional fields.
{
  "clientReferenceInformation": {
    "code": "TC50171_3"
  },
  "paymentInformation": {
    "card": {
      "number": "CARD_NUMBER",
      "expirationMonth": "12",
      "expirationYear": "2031",
      "securityCode": "501"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "0.00",
      "currency": "USD"
    },
    "billTo": {
      "firstName": "John",
      "lastName": "Doe",
      "address1": "1 Market St",
      "locality": "san francisco",
      "administrativeArea": "CA",
      "postalCode": "94105",
      "country": "US",
      "email": "[email protected]",
      "phoneNumber": "4158880000"
    }
  }
}
Response to a Successful Request
{
  "_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/7664012361876450803814/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/7664012361876450803814"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/7664012361876450803814/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "TC50171_3"
  },
  "id": "7664012361876450803814",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "0.00",
      "currency": "USD"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "processorInformation": {
    "systemTraceAuditNumber": "065281",
    "electronicVerificationResults": {
      "lastName": "Y",
      "firstName": "Y",
      "code": "Y",
      "middleNameRaw": "01",
      "firstNameRaw": "01",
      "lastNameRaw": "01",
      "codeRaw": "01",
      "middleName": "Y"
    },
    "merchantNumber": "123456789012",
    "approvalCode": "831000",
    "cardVerification": {
      "resultCodeRaw": "M",
      "resultCode": "M"
    },
    "merchantAdvice": {
      "code": "01",
      "codeRaw": "M001",
      "nameMatch": "00"
    },
    "networkTransactionId": "016153570198200",
    "retrievalReferenceNumber": "535611065281",
    "consumerAuthenticationResponse": {
      "code": "2",
      "codeRaw": "2"
    },
    "transactionId": "016153570198200",
    "responseCode": "00",
    "avs": {
      "code": "Y",
      "codeRaw": "Y"
    }
  },
  "reconciliationId": "7664012361876450803814",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2025-12-22T11:00:36Z"
}
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