In order to customize the descriptor that appears on a Merchant Disbursement Payrix clients can add a Secondary Statement Descriptor on the entity or a payout/withdrawal schedule. This will append the end of the Disbursement Descriptor (before the Merchant Name) to help merchants differentiate disbursements from Payrix.

Secondary Payout Descriptors are limited to Worldpay/Vantiv Merchant Funding.

Default Disbursement Descriptors:

The display of the descriptor can vary slightly per each issuing bank.

MerchPayout SV9T 8447752748 000000 {Merchant Name}
MerchPayout SV93 8447752748 000000 {Merchant Name}

The Secondary Payout Descriptor will append at the end of the Default Merchant Disbursement Descriptor (before the Merchant Name) and is limited to 15 characters.

Use Cases

Referrers wanting their name to appear on their Merchant Disbursements.
Merchants with multiple locations wanting to differentiate disbursements from Payrix.

This Descriptor is specific to Merchant Disbursements (Funding Files) and not represented on the Cardholder statement. The cardholder statement descriptor is based on the Entity DBA or Entity Legal Name if DBA is not provided.

Enabling a Secondary Payout Descriptor via Portal:

You can utilize Secondary Payout Descriptors for individual Merchants by visiting their Account Overview Menu. See the steps below:

Note: A Secondary Payout Descriptor can be set up on a merchant entity only

Create a Secondary Payout Descriptor for a Merchant

Step 1

From the Dashboard, click Merchants from the side menu.

Step 2

Choose a Merchant you wish to add the Secondary Payout Descriptor to.

Step 3

Scroll down the Account Overview page, and locate the Secondary Payout Descriptor field:

The Secondary Payout Descriptor field will be automatically assigned to all payouts (withdrawals) for that Merchant.

Enabling a Secondary Payout Descriptor via API:

A Secondary Payout Descriptor can be set up on a merchant entity, payout/withdrawal flow, or a payout/withdrawal schedule.

If a Secondary Payout Descriptor is not set up on a Payout/Withdrawal Schedule then it will be pulled from the entity (if applicable).

Entity Secondary Payout Descriptor

By setting up a Secondary Payout Descriptor on an entity it will appear for all their disbursements regardless of the payout/withdrawal schedule.

If a payout has a Secondary Payout Descriptor set then this will override the Secondary Payout Descriptor setup on the entity (if applicable).

This can be added to an entity upon creation or via an update via the entities.payoutSecondaryDescritptor field.

Create a Merchant Entity with Secondary Payout Descriptor:

POST /entities

{
    "type": 2,
    "name": "Entity Name",
    "address1": "Address 1",
    "address2": null,
    "city": "City",
    "state": "State",
    "zip": "00000",
    "country": "USA",
    "phone": "8888888888",
    "fax": null,
    "email": "Entity.Email@gmail.com",
    "payoutSecondaryDescriptor": "Secondary Payout Descriptor",
    "ein": "123456789",
    "website": "http://payrix.com",
    "tcVersion": "3.0",
    "tcAcceptDate": "202012111528",
    "tcAcceptIp": "",
    "currency": "USD",
}

Create a Payout/Withdrawal Secondary Payout Descriptor

A Secondary Payout Descriptor can be set up on a Payout/Withdrawal schedule so that any disbursement created as part of that schedule has a unique Secondary Payout Descriptor appended.

This can be added to a Payout/Withdrawal upon creation or via an update to the payouts.secondaryDescriptor field.

Create Merchant Payout/Withdrawal with Secondary Payout Descriptor:

POST /payouts

{
			 "entity": "p1_ent_ID",
			 "account": "{account token}",
			 "name": "Payout Name",
			 "amount": "100",
			 "schedule": "5",
			 "secondaryDescriptor": "Secondary Payout Descriptor"
			 "start" : "20201211",
			 "um": 2
}

Example Secondary Payout Descriptor:

MerchPayout SV9T 8447752748 000000 Secondary Payout Descriptor {Merchant Name}