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Cross Checking Verified IDs to Orders

Real ID can automatically cross-referencing the details from a verified ID with the name and address of billing and/or shipping details. If the addresses or names provided for either the credit card or the shipping address do not match the information on the verified ID, it could be a red flag for potential fraud.

This may also be a requirement for Know Your Customer (K.Y.C.) compliance for your industry. Verifying the identity of customers and cross-referencing address details can help comply with these requirements.

Getting started​

To enable automatic cross checking for either billing or shipping details, open Settings then open the Rules tab.

Scroll down to the ID to Order Consistency Checks section to find these settings:

ID to order consistency Checks settings area

Cross Checking the Credit Card Name​

Real ID can automatically compare the name on the credit card details against the name on the verified ID. To enable this open the ID to Order Consistency Checks section in the Rules then:

  1. Open the Settings page
  2. Open the Credit Card tab
  3. Click the option to require the credit card and ID name to match
  4. Choose your preferred Name Similarity Sensitivity level
  5. Save the changes

Enabling cross checking of the name field on the validated Drivers License or passport against the order's credit card name for the payment details

Non-credit card payments and multiple cards

If the order isn't paid for with any credit cards, then this rule will be skipped.

Multiple credit cards can be used to pay for a single order. Real ID will compare all credit card names for a given order, if any credit card names do not match the name on the verified ID, then the ID check will be placed in review and flagged.

Cross Checking Billing Details​

During checkout, your customer will input their billing details. Real ID can compare the name and address fields from the billing details on the order against the name and address fields on the verified ID.

If the details match, then the ID check will pass automatically, but if the details do not match, then the ID check will fail.

Cross Checking the Billing Name​

Real ID can automatically compare the name on the billing details against the name on the verified ID. To enable this open the ID to Order Consistency Checks section in the Rules then:

  1. Open the Settings page
  2. Open the Billing tab
  3. Click the option to require the billing and ID names to match
  4. Choose your preferred Name Similarity Sensitivity level
  5. Save the changes

Enabling cross checking of the name field on the validated Drivers License or passport against the order's billing name for the payment details

Middle names are considered too

If the ID document and the billing details contains the customer's middle name, then the middle name will be included in the matching of the details.

Cross Checking the Billing Address​

Real ID can automatically compare the name on the credit card details against the address on the verified ID. To enable this open the ID to Order Consistency Checks section in the Rules then:

  1. Open the Settings page
  2. Open the Billing tab
  3. Click the option to require the billing and ID addresses to match
  4. Save the change

Enabling cross checking of the address field on the validated Drivers License or passport against the order's billing name for the payment details

Cross Checking Shipping Details​

During checkout, your customer will input their shipping details. Real ID can compare the name and address fields from the shipping details on the order against the name and address fields on the verified ID.

If the details match, then the ID check will pass automatically, but if the details do not match, then the ID check will fail.

Cross Checking the Shipping Name​

Real ID can automatically compare the name on the shipping details against the name on the verified ID. To enable this open the ID to Order Consistency Checks section in the Rules then:

  1. Open the Settings page
  2. Open the Shipping tab
  3. Click the option to require the shipping and ID names to match
  4. Choose your preferred Name Similarity Sensitivity level
  5. Save the changes

Enabling cross checking of the name field on the validated Drivers License or passport against the order's shipping name for the payment details

Middle names are considered too

If the ID document and the billing details contains the customer's middle name, then the middle name will be included in the matching of the details.

Cross Checking the Shipping Address​

Real ID can automatically compare the name on the shipping details against the address on the verified ID. To enable this open the ID to Order Consistency Checks section in the Rules then:

  1. Open the Settings page
  2. Open the Billing tab
  3. Click the option to require the shipping and ID addresses to match
  4. Save the change

Enabling cross checking of the address field on the validated Drivers License or passport against the order's shipping name for the payment details

Before checkout details​

If your store requires ID verification before checkout, Real ID will read billing details the customer enters in the checkout form.

However, if the customer starts ID verification outside of the checkout form, there won't be checkout details to read at the time of ID verification. Even if the customer verifies their ID before they reach the checkout form, Real ID will cross check the billing details on the order after checkout as well.

However, if you require blocking orders and payment capture before checkout completely, remove any buttons that will cause Real ID to prompt for ID verification outside of the checkout page.

Shopify restricts access to checkout

Shopify does not allow 3rd party apps to access the checkout page. This means that if you require ID verification before checkout, Real ID will not be able to perform the cross checking before the order is placed.

The only exception is for Shopify Plus stores. If you have a Shopify Plus store that requires ID verification & cross checking before the order is placed, please contact us for help.

Frequently Asked Questions​

What's the difference between the billing and credit card details on an order?​

The billing details are always present on an order, but the credit card details are not guaranteed. This is because not all orders are paid with credit cards. If you accept cash on delivery, checks, ACH transfers, or buy now pay later options then you may not collect credit card details and only the billing details will be available on the order.

Does the billing name and credit card name need to match on an order?​

No, customers can enter in a different billing name from their name on their credit card. There's no restriction in the checkout to prevent a different name on billing vs credit card. Credit card processors don't consider the billing name when validating the credit card details, they only consider the name on the credit card field in your store's checkout.

Is credit card name matching available on WooCommerce?​

No, at this time the credit card name matching rule is only available for the Shopify version of the Real ID app.

We're seeing too many falsely flagged name mismatches on the billing, shipping or credit card names​

You can adjust the name sensitivity to decrease the number of falsely flagged orders. Decreasing this sensitivity will allow more flexibility with the name matching, but it may increase the number of false positives. We highly recommend keeping the name sensitivity threshold as high as possible, since this rule isn't applied until after checkout, so your team has the time to manually review before deciding to accept the ID and fulfill.