Implementation of Visa Account Name Inquiry Service

This document is a case study detailing the implementation of the Visa Account Name Inquiry (ANI) service by Current, a consumer fintech banking platform. The objective of the implementation was to enhance the onboarding process for valid cardholders by providing a seamless experience while securely linking their cards and accounts. The case study outlines the existing challenges faced by Current, which relied on multiple verification steps, and describes how the integration of ANI alongside Visa Address Verification Service (AVS) improved card attachment rates and reduced chargebacks. The results of the pilot program showed a 153% increase in card attachment rates and a 57% reduction in chargebacks, demonstrating the effectiveness of the new verification layer. The document also highlights the collaboration between Current, TabaPay, and Visa, emphasizing the importance of a secure and efficient onboarding process for customers.