What is a Cardholder? The “cardholder” is the owner of the credit or debit card. In other words, the cardholder is the person whose name is embossed on the card and who takes responsibility for its use and ownership. Merchants should always verify that the person using the card is the actual cardholder because it will reduce the chance of chargebacks and fraudulent transactions that could result in higher fees, or the closing of a merchant account.
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