Quote:
Originally Posted by murdered_by_ebay
(Post 1154204)
This is individual for each country , I think ebay will check government databases for all countries where adyen is accepting payments. I expect weaker checks with payoneer
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ebay, Adyen and the like are private sector and don't have access to personal data kept by Authorities.
No way to check ID data with Authorities.
That's why when you open a Bank Acc. the Bank asks for all this info. If they could have it they could use that data and just do a face control with you.
At least that is within EU countries, Switzerland and some other countries soon to be in EU where personal data are greatly respected.
The only way to cross examine them is if a person consents for this with Authorities. Absolutely no way around it. And i have to say i don't know of any such case nor the possible existence of such and authorization or procedure.
There is one way though that one could use to determine whether you exist or not or whether data given correspond to real person's data and that is the VAT number which is unique and easy to verify whether it exists or not. In some cases if that person or economic entity has an international activity, one can verify the name, address etc with VIES very easily.
But if it's just a person with no international economic activity (declared) or no declared activity at all then that person's VAT can't be verified whether it belongs to that person or not.
When it comes to VAT numbers, they are not sequential, they have their last digit a "check digit" but there are VAT number generators on-line available i believe:typing:
But the VAT is a unique identifier.
The other fact (as some users have already correctly said in other threads) is that when you make a Bank transfer that transfer hasn't got a feedback for you, it's a one way thing. Meaning if you write down the name misspelled, it will nevertheless go through as long as the IBAN is correct. Of course if you give a wrong IBAN the transfer wont go through at all and will give an Error.
So when the IBAN is correct the money is transferred but you don't get a feedback of whether the name was correct or if and when the money arrive to the recipient.
That is the situation here in Europe with Banks in the SEPA area.
One can verify the name of the recipient if he sends a SWIFT. In such case if there's an obvious difference (not just a misspelled name) the SWIFT may bounce if the recipient's Bank decides so.
Of course SWIFT are used if you go to the Bank in person (at least from what i know until recently) it can also happen when an ACH transfer is made.
But there's no need for SWIFT or ACH in SEPA countries.
Additionally, from what i know and what i've seen in Adyen site, they ask for an ID number and not your ID scanned.
At least that's if their info is complete.
But even if they ask for your ID scanned, they can't verify the name of the IBAN.
Another thing is they can't verify your address. (Again i'm talking about EU countries). Some clearing houses / Merchants can verify given address with address on file but that's for Card payments, not IBAN transfers.
And Adyen is going to make Bank transfers. Please don't confuse the two methods as they are greatly different.
So the conclusion should be that Peter Pan could use the IBAN of Mickey Mouse to receive payments from Adyen / ebay.
Unless something change drastically in the near future, i believe the above facts will remain unaltered.
But have in mind Covid19 have set thing in motion and countries start to utilize the power of information technology, increased computing power and networking speed and thus start to link sectors that had been obscured for decades.
I hope i helped some
