For those of you who have jobs that require you to check ID's, what do you do if you encounter a post-op transexual?

I am curious because, where I work, we have to check ID’s whenever someone pays with a credit or debit card to make sure the person paying with the card is the person who owns the card. As you can imagine, a post-op transexual may not only have a different name but look relatively different from the picture on an ID. When I asked my manager what to do in such a situation, she said that if the last name was the same and the picture on the card and the person standing in front of me looked enough alike, I could take the card. However, I know that some transexuals have extensive plastic surgery as well. When I put this concern to her, she said that if someone says they had surgery, I should accept the card, the reasoning being that no one would make that up, which I am inclined to believe.

I do not mean to offend with this question, but I am curious about how other companies and/or professions handle this if ID is needed in a business transaction.