This information enables the Merchant to make a refund, if necessary (together with Transaction.consumerIBAN and Transaction.consumerBIC ). In the exceptional case of a succesful transaction during a period in which an Issuer is not able to determine the Consumer name the Issuer must fill the field consumerName with "N/A" which stands for Not Available. When the field is filled with N/A, the sign "/" eliminates the theoretical possiblity that the content will be seen as an actual and correct Consumer name. In these cases the Merchant cannot initiate a refund based on the contents of this field. If governing laws prevent Issuers from providing Transaction.consumerName those Issuers are allowed to not include the field. |