Metro paper dating
If the name appears on the photo itself, it is because the negative was scratched into or written upon but it could have been printed at any time.Some companies were still printing real photo postcards in the 1970’s from negatives taken in the 1890’s.
Early real photo postcards are small by their very nature and since most were contact printed, not enlarged, there is no visible texture.
And of course any image that contain a regularly patterned series of dots is not a photograph at all but a ink printed image.
Some halftone cards were printed on high gloss paper to resemble a photograph but their screen patterns will give them away if one is vigilant.
Sometimes a photographer might expose a logo onto the image or hand stamp a name to the back of the card. Numbering was an essential way of keeping tract of large inventory.
The presence of a photographers name is not a definite indication of when a card was made or even who made it.