To customize the descriptor shown on a Merchant Disbursement, Referrers can choose to add a Secondary Descriptor to a Merchant entity or their payout/withdrawal schedule. This feature allows Referrers to have their name displayed on their Merchant Disbursements and helps merchants with multiple locations differentiate between disbursements. By incorporating this Secondary Descriptor at the end of the Disbursement Descriptor (before the Merchant Name), this personalized option assists merchants in easily recognizing their disbursements, enhancing the transparency and structure of financial transactions.

Secondary Descriptors are limited to Worldpay/Vantiv Merchant Funding.

Default Disbursement Descriptors:

The Secondary Descriptor will append at the end of the Default Merchant Disbursement Descriptor (before the Merchant Name) and is limited to 15 characters. The display of the descriptor can vary slightly per each issuing bank.

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

Warning: 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.

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.

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://example.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}