Here's an excerpt from VISA's [Card Acceptance Guidelines for Visa Merchants (PDF)](http://usa.visa.com/download/merchants/card-acceptance-guidelines-for-visa-merchants.pdf) > Merchant Name > - > > The merchant name is the single most important factor in cardholder > recognition of transactions. Therefore, it is critical that the > merchant name, while reflecting the merchant’s “Doing Business As” > (DBA) name, also be clearly identifiable to the cardholder. This can > minimize copy requests resulting from unrecognizable merchant > descriptors. > > Merchant applications typically list the merchant name as the merchant > DBA. This may differ from the legal name (which can represent the > corporate owner or parent company), and may differ from the owner’s > name which, for sole proprietorships, may reflect the business owner. > > * Keep in mind that the purpose of the merchant name is to identify the merchant to the cardholder. > * Work with your acquirer to ensure your name is clear and discernible to cardholders when they read their statement. > * To verify that you are using the merchant name that is most recognizable to the cardholder, compare the merchant name that you > want to use to: * Signage in the site photo * Advertisements or > brochures, and/or * A telephone directory listing I think that the key statement above is "*Therefore, it **is critical** that the merchant name [...] be clearly identifiable to the cardholder.*" Since this merchant was not clearly identifiable to the cardholder, they are in breach of a critical point in these guidelines. This is from VISA, but I would assume that all other major credit cards would have similar guidelines for their merchants. However keep in mind that these are "guidelines", and not (necessarily) rules.