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Analyzing the errors details from the paycomet database since BK PT migration, we could measure that the name on the card (Error 115 - “The card issuer could not identify the owner”) leads to 3.8% of error sessions (monthly average). On average, 29.6% of payment sessions has some error. Thus, this error represents 13% of the payment errors (3.8% out of 29.6%). There are only two errors that are higher: 102 - Operation not allowed for the card type: 9.8%; and 1099 - Unexpected error: 3.9 %.
When One of the reasons that can be causing this error is the fact that when the user selects the option to add a new credit or debit card, the “Name on Card” field is found prefilled by default. The name that appears is the one the user had entered when signing up.
However, this name may not match with the name on the Card and the user may not notice the mistake, so when they finish filling in the form, the error message is displayed to inform the user about the mismatch. . This way, we expect to reduce the errors, improving the customer experience and ultimately payment conversion.
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In this same form, there is a field named "Card Expiration Date" with a string data format, which requires the user to change the keyboard type to input the numeric. We updated this to show only numeric keyboard to help them while filling this information.
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This feature has a flag called Enable Remove Cardholder Name Pre-filled which should be enabled to be used. |
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