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Enhanced scheme data

Get lower fees or meet compliance requirements for card payments with enhanced scheme data (ESD).

In-person payments integration?
Refer to Add information to a payment.

Enhanced scheme data (ESD) is additional data that you send with your payment or capture requests for card transactions. ESD lets shoppers see more information about their purchase on their card statement and use this information for reporting purposes.

ESD serves one of two purposes, based on the type:

  • Lower your fees: For Visa and Mastercard, sending Level 2/3 or travel data can lower your interchange fees by up to 1 percent. This data is optional and does not affect authorization rates.
  • Meet compliance or eligibility requirements: Some ESD is required for compliance or eligibility rather than a way to lower fees. For example, you send ESD to American Express for fraud protection and reporting. This type of ESD does not lower your interchange fees.

For some industries, the type of data to include in your requests is industry-specific, for example, airlines. If you are not eligible to send industry-specific data, you can check if you are eligible to send level 2/3 data instead.

If you upgrade an existing integration to Checkout API v72, you must update the enhanced scheme data parameters that you use.

Requirements

Before you begin, take into account the following requirements, limitations, and preparations.

Requirement Description
Integration type An online payments integration that uses the Advanced flow.
Webhooks Listen for webhook messages with the following eventCode values:
  • AUTHORISATION
  • CAPTURE
.
Limitations
  • In the following cases, Adyen processes the payment without ESD that you send.
  • After a payment is processed, you cannot change or fix the ESD that you sent with it.
  • You cannot combine different types of ESD data in one request.
  • For refunds and reversals: we do not use ESD, so we recommend that you do not send it.
Setup steps Before you begin:
For Visa, set up Address Verification System (AVS) checks. For each Visa transaction, you must include AVS data in the request to qualify for interchage fee discounts.

Merchant Category Codes (MCCs) and ESD types

The type of ESD you can send depends on card schemes and your Merchant Category Code (MCC). Some MCCs are not eligible to send any type of ESD.

Find your MCC in the following table or use our Find the ESD type for your business tool to learn what applies to your business.

MCC Industry Scheme ESD type
3000-3350 Airlines Mastercard, Visa Airline
3351-3500 Automobile/vehicle rentals Mastercard, Visa Car rental
3501-3999 Hotels/motels Mastercard, Visa Lodging
4411 Steamship and cruise lines Mastercard Level 2/3
4511 Airlines and air carriers Mastercard, Visa Airline
4582 Airports, flying fields, and airport terminals Mastercard Level 2/3
4722 Travel agencies and tour operators Mastercard Level 2/3
5172 Petroleum and petroleum products Mastercard Level 2/3
5552 Electric vehicle charging Mastercard Level 2/3
5814 Fast food restaurants Mastercard Level 2/3
7011 Lodging – hotels, motels, resorts Mastercard, Visa Lodging
7512 Automobile rental agency Mastercard, Visa Car rental
7513 Truck and utility trailer rentals Mastercard, Visa Car rental
7519 Motor home and recreational vehicle rentals Mastercard Car rental
7523 Parking lots, parking meters, and garages Mastercard Level 2/3
7542 Car washes Mastercard Level 2/3
All other MCCs Mastercard, Visa Level 2/3

Not eligible for ESD

If you have one of the following MCCs, you are not eligible to send any type of ESD. If you send ESD, we process the payment without the ESD.

MCC Industry
4112 Passenger Railways
5812 Eating Places and Restaurants
4468 Marinas, Marine Service, and Supplies
5541 Service Stations (with or without Ancillary Services)
5542 Automated Fuel Dispensers
5983 Fuel Dealers - Fuel Oil, Wood, Coal, and Liquefied Petroleum
5499 Miscellaneous Food Stores - Convenience Stores and Specialty Markets

Send ESD