We want to use Apple Pay in our App. For legal reasons we have to get the “card holder name”. In Apple Pay’s “Payment Token Format Reference” documentation the field cardholderName is marked as optional. Is there a way to get a card holder name reliably using Apple Pay?
— https://developer.apple.com/documentation/passkit/apple_pay/payment_token_format_reference
You can request the user's name using PKPaymentRequest.requiredShippingContactFields.
The cardholderName field is marked as optional in the payment token because EMVCo does not require the cardholder name to be present. In fact, nearly all card networks either do not provide a cardholder name, or set it to a generic value. Apple Pay cannot provide you the cardholder name because it simply doesn't exist. For more information I would refer to the EMVCo specifications.