Experian Account Ownership Verification
Verify payment card ownership in real time without adding customer friction.
Increase transaction confidence without adding friction
Experian Account Ownership Verification helps fortify transaction security without added friction, providing real-time, passive payment card verification that confirms whether the person presenting a card is the true card owner. When a transaction is submitted, we compare the submitted identity data, including name, shipping address, phone number and email, against the verified, on-record information associated with the payment card provided.
950M+
payment account numbers on file
$8M
in additional monthly revenue from transactions that otherwise may have been declined
Leading U.S. retailer
10%
increase in auto-approval rate
Leading U.S. retailer
New account creation and guest checkout
Reduce friction at sign-up and checkout while preventing stolen card usage.
Account updates and profile changes
Assess identity risk when users change delivery details, contact information or other account attributes.
Card-on-file maintenance and portfolio protection
Use batch screening to verify stored cards in advance, then monitor and flag risk to help remove bad actors before they transact.
Remove friction for verified cardholders, powering higher conversion rates among good customers at checkout.
Add confidence to approval decisions by confirming that a legitimate customer is using their own card.
Spot inconsistencies between submitted identity data and verified cardholder records before fraudulent transactions turn into chargebacks.
Reduce costly manual reviews, downstream fraud handling and unnecessary step-up authentication.
Uncover a more secure, seamless transaction experience
Strengthen your fraud decisions and create a smoother path to purchase for legitimate customers.
Frequently asked questions
We verify whether the person presenting a payment card is the true cardholder by comparing submitted identity data, including name, address, phone number and email, against verified, on-record cardholder information, in real time.
By confirming card ownership for legitimate customers in real time, merchants can use our signal to approve more good transactions with confidence instead of relying on manual reviews or excessive friction that turns away real customers.
No. AVS and ANI checks typically validate a single data point in isolation. Experian Account Ownership Verification instead compares multiple identity attributes (name, address, phone number and email) against the verified, on-record information tied to the payment card itself, giving a more complete view of whether the person presenting the card is the true owner.
Yes. By passively confirming card ownership for legitimate customers, the solution reduces friction and false declines at checkout, helping merchants approve more legitimate transactions and increase conversion among good customers.
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