This article explains how the Approved Payer Names feature helps prevent unauthorized payments and reduce friendly fraud chargebacks.
What are Approved Payer Names?
Approved Payer Names is a Carpay feature that allows you to control who is authorized to make payments on a customer’s account.
By restricting payments to approved cardholder names, dealerships can reduce:
Unauthorized payments
Customer disputes
Friendly fraud chargebacks
This is especially useful when payments are made by friends, family members, or third parties.
Why Approved Payer Names matter
Friendly fraud chargebacks often occur when:
Someone other than the customer makes a payment
The cardholder doesn’t recognize the charge
A payment was authorized verbally but later disputed
Using Approved Payer Names helps ensure that only known, authorized payers can submit payments, reducing confusion and disputes.
How to add Approved Payer Names
To add approved payers to a customer account:
Log in to the Carpay dealer site.
Search for and open the customer’s account.
Navigate to Approved Payer Names.
Enter the full name of each authorized payer exactly as it appears on their card.
Example: Add variations if needed (e.g., “John Doe” and “John A. Doe”).
Save your changes.
Once saved, only the listed names will be allowed to make payments on that account.
Best practices for using Approved Payer Names
Always confirm who is paying before processing a payment
Add all expected payer name variations up front
Update the list if a customer authorizes a new payer
Combine this feature with written or verbal payment authorization
Using Approved Payer Names proactively can significantly reduce disputes later.
Additional tips to reduce chargebacks
Approved Payer Names works best when paired with good payment practices:
Confirm the payment amount before submitting
Let customers know how the charge will appear on their statement
Send receipts immediately
Keep authorization records when taking phone payments
These steps help customers recognize legitimate charges and avoid accidental disputes.