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.- This process was invented in 1842, but its first known use for a postcard was in 1888.No commercial paper was needed, though eventually manufactured, as card stock could be photosensitized at home and printed out. Variations on this process were developed over the years that followed.A studio sometimes grew to the point where additional photographers were hired but all the photographs produced were published with the original photographers name.
As time passes this silver tends to migrate to the surface of the print creating tell-tale metallic patches.
The photosensitive solution used in this process soaks into the paper, so the original paper surface remains dominant in the final print.
This gives these images a very matte look not normally associated with photography, and making some easy to confuse with collotypes.
But even here the effect is more of a softening of detail than a observable texture.
Early real photo postcards are small by their very nature and since most were contact printed, not enlarged, there is no visible texture.