> but splitting hairs and asking for both is more bother for the user than it's worth.
Then don't. Be honest and don't ask for personal names at all. Ask for billing information.
The "name" fields in billing forms are not personal names. They're keys by which the billing system can correctly identify the account to access. Don't try to pretend that you know someone's name just because you have their billing information. That's lying.
Especially in cases as simple as a customer who is using someone else's credit card to pay for your service. That name is definitely wrong even if one is John Smith and the other is Jane Doe.
Then don't. Be honest and don't ask for personal names at all. Ask for billing information.
The "name" fields in billing forms are not personal names. They're keys by which the billing system can correctly identify the account to access. Don't try to pretend that you know someone's name just because you have their billing information. That's lying.
Especially in cases as simple as a customer who is using someone else's credit card to pay for your service. That name is definitely wrong even if one is John Smith and the other is Jane Doe.