Transaction Descriptors

Transaction descriptors depict a definite payment that helps customers to identify the transaction in a bank statement after making a purchase.

You can add the transaction descriptor in ChargeMonk, which will be visible on card/bank statements of your customer. Though, the bank of customer will decide the way these descriptors will appear on the bank statement that means, capitalization of letters, words, the number of characters, and so on can be decided by the bank.

In addition to this, the gateway that you use may have some rules and restrictions regarding the descriptors that they allow to pass on. The limitations of character imposed by the different payment gateways that we support are given below:

• GoCardless
• Stripe
• Braintree
• Spreedly
• PayPal Express Checkout
• Amazon Payments
• Adyen
• Authorize.Net

Configure Transaction Descriptor

Every gateway in your ChargeMonk site will support the added Transaction descriptor.

For configuration of the transaction descriptor, go to Settings > Configure ChargeMonk > Payment Gateways > Add a Descriptor

You can also add a descriptor in the dialog box that appears.

In addition to this, you can select to shift a Subscription ID or Customer ID along with its descriptor. The merge vars tag that you want to use along with descriptor, copy and paste it.

GoCardless

BACS

Alphanumeric (A-Z, a-z, 0-9) string; characters allowed:

• space
• ampersand (&)
• hyphen (-)
• period (.)
• solidus (/)

SEPA

Alphanumeric(A-Z, a-z, 0-9) string; characters allowed:

• space
• period (.)
• hyphen (-)
• solidus (/)
• question mark (?)
• colon (:)
• left parenthesis [ ( ]
• right parenthesis [ ) ]
• comma (,)
• plus sign (+)
• single quote (')

BECS

Alphanumeric (A-Z, a-z, 0-9) string; characters allowed:

• space
• plus sign (+)
• at (@)
• exclamation mark (!)
• circumflex (^)
• dollar sign ($)
• percentage symbol (%)
• ampersand (&)
• single quote (')
• parentheses
• asterisk (*)
• hyphen (-)
• colon (:)
• semicolon (;)
• equal sign (=)
• question mark (?)
• period (.)
• hash sign (#)
• underscore (_)
• comma (,)
• square brackets
• solidus (/)

Autogiro

Alphanumeric (A-Z, a-z, 0-9) string; characters allowed:

• space
• eclamation mark (!)
• double quote (")
• hash sign (#)
• dollar sign ($)
• percentage symbol (%)
• ampersand (&)
• single quote (')
• parentheses
• asterisk (*)
• plus (+)
• comma (,)
• hyphen (-)
• period (.)
• solidus (/)
• colon (:)
• semicolon (;)
• lesser than and greater than symbols ( "<" and ">")
• equal sign (=)
• question mark (?)

Stripe

Character restrictions:

• Maximum no. of characters allowed: 22 characters
• lesser than and greater than symbols ( "<" and ">")
• double quote (")
• single quote (')

Braintree

Format: < DBA> * < Product Descriptor>.

• Company name/DBA(doing business as) section must be either 3, 7 or 12 characters
  product descriptor can be up to 18, 14, or 9 characters respectively (with an * in between for a total descriptor name of 22 characters)
• Alphanumeric (A-Z, a-z, 0-9) string; characters allowed:
  • period (.)
  • plus sign (+)
  • hyphen (-)

Spreedly

• No limitations.
• Given in ChargeMonk as merchant-name-descriptor.
• ChargeMonk will shorten the descriptor in case it go beyond 140 characters.

PayPal Express Checkout

Format of the descriptor:

< PP *|PAYPAL *> < Merchant descriptor present in gateway> < 1 space> < soft descriptor>

Character length and limitations:

• The alphanumeric soft descriptor encloses the following characters only:

  • hyphen (-)
  • asterisk (*)
  • Period (.)
  • space (" ")
• 22 characters are the maximum number of characters allowed. Of this, the PayPal prefix uses 4 or 8 characters of the data format.

Amazon Payments

The soft descriptor forwarded to the payment processor is: "AMZ* < soft descriptor specified here>".

Default format: "AMZ* < SELLER_NAME> amzn.com/pmts WA"

Maximum no. of characters allowed: 16 characters

Adyen

No limitations. ChargeMonk will shorten the descriptor in case it goes beyond 140 characters.

Authorize.Net

• Use alphanumeric characters only
• Maximum no. of characters allowed: 25 characters.