A Billing Descriptor appears on consumers’ card statements and is designed to provide consumers with information so that they can recognize the charges. Typically, this is the company name, product name, or a combination of both.
By providing a better description of charges, merchants can reduce the frequency of chargebacks.
While each Merchant Profile on the Vantiv eCommerce platform has an associated default Billing Descriptor, you can override this value by designating a Custom Billing Descriptor (customBilling element) in the Authorization/Sale transaction as illustrated in the XML fragment below.
<credit id="2" reportGroup="ABC Division" customerId="038945"> <litleTxnId>13254123434</litleTxnId> <customBilling> <phone>8885551212</phone> <descriptor>My company name</descriptor> </customBilling> <enhancedData> <customerReference>PO12345</customerReference> <salesTax>125</salesTax> <taxExempt>false</taxExempt> .. </enhancedData> .. </credit>
More detailed is provided the LitleXML Reference Guide.
The custom billing descriptor provides developers with another tool to build more robust payment applications that will help reduce chargebacks.
Learn more about Vantiv’s eCommerce platform features.