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 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 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 that want their name to appear on their Merchant Disbursements.
Merchants with multiple locations that want 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 Descriptor via Portal:

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

Add a Secondary Payout Descriptor in the Merchant Account Overview

Step 1: From the Dashboard, click Merchants from the side menu. Then select a Merchant to access its Profile page.
Step 2: Choose a Merchant you wish to add the Secondary Descriptor to.
Step 3: Scroll select and edit the Secondary Descriptor field:

Add a Secondary Descriptor in the Merchant Withdrawals Menu

Warning: A Secondary Descriptor set from the Withdrawals menu will override the Secondary Payout Descriptor value set from the Merchant Overview menu.

Step 1: From the Merchant Profile, click Withdrawals from the left-hand menu.
Step 2: Click the active Withdrawal Schedule(s) listed for the Merchant.
Step 3: Click the edit icon in the upper right corner, then add the descriptor under the Secondary Descriptor field.
Step 4: Click the confirm icon to save the changes.

Result: This Secondary Descriptor field will be automatically assigned to all future payouts (withdrawals) for that Merchant.

Enabling a Secondary Descriptor via API:

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

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

Entity Secondary Descriptor

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

If a payout has a Secondary Descriptor set then this will override the Secondary 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 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 Descriptor",
    "ein": "123456789",
    "website": "http://payrix.com",
    "tcVersion": "3.0",
    "tcAcceptDate": "202012111528",
    "tcAcceptIp": "",
    "currency": "USD",
}

Create a Payout/Withdrawal Secondary Descriptor

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

POST /payouts

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

Example Secondary Descriptor:

MerchPayout SV9T 8447752748 000000 Secondary Descriptor {Merchant Name}