Dynamic Billing Descriptor
Dynamic Billing Descriptor enables a recognizable descriptor to be displayed on cardholder statements.
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1. Platform Support
The platform supports Dynamic Billing Descriptor. All related configurations are handled on the platform side; no additional setup is required from partners or sub-merchants.
2. What You Need to Do
When calling the API, submit the following subMerchantInfo fields in the request:
| Field | Description | Purpose |
|---|---|---|
subMerchantInfo.descriptor | Identifies the sub-merchant's billing descriptor information | Sent to card schemes |
subMerchantInfo.merchantID | Identifies the sub-merchant's merchant number | Sent to card schemes |
subMerchantInfo.csPhone | Sub-merchant's customer service phone number | Used for risk control review |
subMerchantInfo.url | Sub-merchant's website URL | Used for risk control review |
3. Billing Descriptor Format
Note: The billing descriptor prefix is configured internally by the platform; no action is required from partners or sub-merchants.
Processing Logic:
- With prefix: concatenate the prefix and the descriptor value, and use it as the merchant name displayed on cardholder statements
- Without prefix: use the descriptor value directly as the merchant name displayed on cardholder statements
- If
subMerchantInfo.descriptoris not submitted: use the Merchant English Name as the merchant name
Examples:
Example 1 - PayFac / Referral Partner Scenarios
- Billing Descriptor Prefix: N3
- Billing Descriptor API Value: Star Coffee
- Final DBA Value: N3*Star Coffee
Example 2 - Invoices / Order Number Scenario
- Billing Descriptor Prefix: Recur Merchant
- Billing Descriptor API Value: OI91821
- Final DBA Value: Recur Merchant*OI91821
一、平台支持
平台已支持动态账单描述符，相关配置已由平台侧完成，合作伙伴及子商户无需进行额外配置。
二、您需要做什么
调用接口时，请在请求中上送以下 subMerchantInfo 字段：
| 字段 | 说明 | 用途 |
|---|---|---|
subMerchantInfo.descriptor | 标识子商户的账单描述符信息 | 送往卡组 |
subMerchantInfo.merchantID | 标识子商户的商户号信息 | 送往卡组 |
subMerchantInfo.csPhone | 标识子商户的客户电话信息 | 用于风控审核 |
subMerchantInfo.url | 标识子商户的网站网址信息 | 用于风控审核 |
三、账单描述符格式
说明：账单描述符前缀由平台内部配置，商户无需设置。
处理逻辑：
- 有前缀：拼接「前缀 + descriptor」后作为商户名称用于账单展示
- 无前缀：直接使用 descriptor 作为商户名称用于账单展示
- 未上送
subMerchantInfo.descriptor：使用配置的 Merchant English Name 作为商户名称
示例：
示例 1 - PayFac / 推荐合作伙伴场景
- 账单描述符前缀：N3
- 账单描述符 API 值：Star Coffee
- 最终 DBA 值：N3*Star Coffee
示例 2 - 发票 / 订单号场景
- 账单描述符前缀：Recur Merchant
- 账单描述符 API 值：OI91821
- 最终 DBA 值：Recur Merchant*OI91821
Updated about 19 hours ago