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As said by anthonyryan1, it is required for American Express. So either you ask for/require this information only for American Express (which would mean you would either have to ask the user for the card type or start by letting them input the card number and then asking for the rest, or you disable the field if you see it's not required once a Non-Amex card ...


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While you're correct that Visa and MasterCard do not validate this information, that's not true of all credit card providers. American Express actually does validate the "Name" field if you collect it as a merchant and by not collecting it you're more likely to have legitimate payments declined with this card.



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