Although the payment page looks like a simple screen, it is actually one of the most important steps in whether customers abandon or complete a purchase. That is why the design of the payment page is very important.
So is it mandatory to enter the name and surname on the payment page?
In general use, entering the name and surname is required on the payment page. But it is not required for the amount to be charged to the card. For this reason, there are websites that do not ask for the customer's name and surname on the payment page. Moreover, even if this information is collected, it is not used by the issuing bank to verify the cardholder. So we should not be surprised if, in the future, we see that the customer's name and surname is no longer collected in payments.
When might the name field be needed?
Technically it is not required for authorization, but it can be useful for invoicing, fraud checks and customer service. Some e-commerce sites take the name from the delivery details and do not ask for it again on the payment page.
To fight fraud, some risk engines also check whether the cardholder name matches the account name. 3D Secure authentication, on the other hand, is done not through the name but through the cardholder's device or phone.
Reducing the number of fields in the payment form increases conversion; for this reason, only the information that is really needed should be requested.
