General Notes

Overview

The dynamic descriptor helps to create a clear and accurate billing description, tailored to specific business needs, ensuring that customers receive precise information about the merchant's identity details.

Dynamic Merchant Description

The default card acceptor name and location values used in all simple payment authorisation requests are sourced from DECTA's Merchant processing system. This information can be manually overwritten by the merchant, using specific details; namely, etid and merchant_name.

If the etid detail value is set to "Y," the card acceptor name and location value will be replaced with the value provided in the merchant_name details.

It is important to note that if MPI 3DS is used for card authentication, then the merchant name must match in both the 3D authentication process and the card authorisation. This ensures consistency and security in payment processing. However, the use of these details in advanced payment scenarios is prohibited.

Additionally, the formation of descriptors according to the requirements of Visa or Mastercard is the responsibility of the IPSP (Internet Payment Service Provider).

Merchant Payment Gateway ID for Mastercard Cards

Mastercard is mandating to provide Merchant Payment Gateway (MPG) ID value in all card not present transactions (excluding MO/TO transactions) in purchases, online refunds and account funding transactions. MPG ID consists of MPG company ID provided by Mastercard by registration of MPG as a service provider with leading zeros.

When no MPG is used (e.g., own gateway), company must provide default value 00000999998 as MPG ID.

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