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jbracken1973
Member
Status: Accepted

The ability to set the soft descriptors for a transaction. 

 

These are the fields that a customer sees on their statements, it allows for the customer to quickly ID the transactions reducing disputes and customer service.  For obvious reasons I hope.

 

Dynamic Descriptors include:

Business Name

Phone (Best Practices says this should be a Customer service number)

City and/or State

17 Comments
Stu
Member

Is there any updates on this? I know that Chase Paymentech and a few others support Soft Descriptors, and we desperately need it to reduce chargebacks.

gurminder90
Member

Any updates on release date? Definitely need this for our business.

method_ben
Member

I think this feature will never happen!

 

It's been a while since the first proposition came out and they always say they plan to support it. 

 

I'm currently integrating an other payment gateway and they support it. They did the feature 1 month after I requested it.

 

 

RichardH
Administrator Administrator
Administrator

Estimated delivery for merchants using TSYS processor is Summer 2016.

RichardH
Administrator Administrator
Administrator

Estimated delivery for merchants using TSYS is now early 2017.

joshua175
Member

This is from a conversation with support that I had a couple weeks ago:

 

The full documentation is pending and not yet available. However, here is a sample for the API. The field name is MerchantDescriptor. Once the full documentation is ready, I will send that over to you.

 

Documentation is pending but the field name is MerchantDescriptor

 

<createTransactionRequest xmlns="AnetApi/xml/v1/schema/AnetApiSchema.xsd">
  <merchantAuthentication>
    <name></name>
    <transactionKey></transactionKey>
  </merchantAuthentication>
  <refId>123456</refId>
  <transactionRequest>
    <transactionType>authCaptureTransaction</transactionType>
    <amount>40</amount>
    <payment>
      <creditCard>
        <cardNumber>370000000000002</cardNumber>
        <expirationDate>8/2027</expirationDate>       
      </creditCard> 
    </payment>
    <billTo>
      <firstName>Ellen</firstName>
      <lastName>Johnson</lastName>
      <company>Souveniropolis</company>
      <address>14 Main Street</address>
      <city>Pecan Springs</city>
      <state>TX</state>
      <zip>44628</zip>
      <country>USA</country>
    </billTo>
    <merchantDescriptor>Boston Bike Share 1-800-RIDEBOSTON</merchantDescriptor>
  </transactionRequest>
</createTransactionRequest>

For AIM integration:

 

x_merchant_descriptor

 

I did some testing at it did not work as expected. But, this is good news! It seems that the Soft Descriptors are coming soon--at least for those Merchant Providers that support it, such as TSYS.

worldmodern
Member

I just tried to implement soft descriptors.  Our merchant account/gateway runs through TSYS.  But the descriptor did not make it through to my credit card statement.

 

Is there something more to do than simply add the merchantDescriptor element as the last transactionRequest sub-element?

 

my transaction XML below:

 

*** A.N. REQUEST: "<?xml version=\"1.0\" encoding=\"UTF-8\"?>
<createTransactionRequest xmlns=\"AnetApi/xml/v1/schema/AnetApiSchema.xsd\">
<merchantAuthentication>
<name>6W7*****</name>
<transactionKey>276********47fXA</transactionKey>
</merchantAuthentication>
<refId>582968</refId>
<transactionRequest>
<transactionType>authCaptureTransaction</transactionType>
<amount>3.12</amount>
<payment>
<opaqueData>
<dataDescriptor>COMMON.ACCEPT.INAPP.PAYMENT</dataDescriptor>
<dataValue> eyJjb2RlIjoiNTBfMl8wNjAwMDUzQzQ3M0I4MTI0MDAyNkY3RkY1RENBQzc0MEU0OTA2QjFCRDEzMzg1 N0MxMTUwNkU5NDdFQkFEOUJFQ0I0Q0U3M0M2NzBDMTY1QkE3MjNDNTk3QkYzNENEQzg5REI2MDVFIiwidG9rZW4iOiI5NTU5MDY1MTUxNzAyODM0OTAzNzAzIiwidiI6IjEuMSJ9</dataValue>
</opaqueData>
</payment>
<order>
<invoiceNumber>582968</invoiceNumber>
<description>40-22584</description>
</order>
<customer>
<email>k****@kr*****ev.com</email>
</customer>
<billTo>
<firstName>K***</firstName>
<lastName>R*******</lastName>
<address>551 ****** LANE</address>
<city>Fo**** *****</city>
<state>CA</state>
<zip>94404</zip>
<country>United States</country>
</billTo>
<cardholderAuthentication>
<authenticationIndicator/>
<cardholderAuthenticationValue/>
</cardholderAuthentication>
<transactionSettings/>
<userFields>
<userField>
<name>x_currency_code</name>
<value>USD</value>
</userField>
</userFields>
<merchantDescriptor>ML T****ng / ****** Party </merchantDescriptor>
</transactionRequest>
</createTransactionRequest>