# Approved Payer Names

How to use Approved Payer Names in Carpay to prevent unauthorized payments, reduce friendly fraud, and minimize chargebacks.

February 3, 2026

This article explains how the **Approved Payer Names** feature helps prevent unauthorized payments and reduce friendly fraud chargebacks.

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## 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.

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## 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.

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## How to add Approved Payer Names

To add approved payers to a customer account:

1. Log in to the **Carpay dealer site**.
2. Search for and open the customer’s account.
3. Navigate to **Approved Payer Names**.
4. 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”).
5. Save your changes.

Once saved, only the listed names will be allowed to make payments on that account.

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## 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.

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## 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.