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Create Transaction > Apple Pay > First Name Required

When creating a Transaction with Apple Pay, we're finding the API requiring us to send in the first/last name:

{
    "type": "http://api.etip-staging.etip.io/errors/bad_request",
    "title": "Bad Request",
    "status": 400,
    "detail": "Unhandled tabapay response: 
              {
              \"SC\":400,\"EC\":\"3C5E1510\",
              \"EM\":\"accounts.sourceAccount.owner.name.first\
              },
    "stacktrace": [
        ...",
        ...."
    ]
}

Though the problem with this error is that Apple Pay does not necessarily always send in the card holder's name. Per their doc: https://developer.apple.com/documentation/passkit/apple_pay/payment_token_format_reference
Under "Payment Data Keys", the key "cardholderName" its description is "Optional. Cardholder name."

With that said this restriction needs to be removed, as is would mess up a payment flow by forcing users to enter their names, whereas Apple Pay's convenience is to not have users enter anything.