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Enhanced scheme data

Get lower fees on US domestic card payments with enhanced scheme data.

Enhanced scheme data (ESD) is optional additional data that you can send with your payment or capture request. ESD lets shoppers see additional information about their purchase on their card statement and use this information for reporting purposes. ESD can lower your interchange fees for US domestic Visa and Mastercard transactions.

You can send ESD for both online and in-person payments. Sending ESD does not affect authorization rates.

Choose the correct kind of ESD to send. Different types of ESD cannot be combined in one transaction, for example you can send either level 2/3 data or airline data, but never both in one request.

Visa and Mastercard

Travel and entertainment ESD

Travel and entertainment ESD is for the airline, car rental and lodging industries. Your business is eligible to send this if you use one of the travel and entertainment MCCs in the table below:

MCC Description Scheme ESD Type
3000-3350 Airlines Mastercard, Visa Airline
3351-3500 Automobile/vehicle rental Mastercard, Visa Car rental
3501-3999 Hotels/motels Mastercard, Visa Lodging
4511 Airlines and air carriers Mastercard, Visa Airline
4722 Travel agencies and tour operators Visa Airline
7011 Lodging - hotels, motels and resorts Mastercard, Visa Lodging
7512 Automobile rental agency Mastercard, Visa Car rental
7513 Automobile/vehicle rental Mastercard, Visa Car rental
7519 Automobile/vehicle rental Mastercard Car rental

American Express

You can send ESD to American Express for fraud protection and reporting. There is no financial incentive for this. See ESD for American Express to check which fields to send.

How to send ESD

There are two ways to send ESD to Adyen:

  • In the  additionalData  object of a /payments request. If you are not eligible to submit ESD, or if the ESD you send is incomplete or invalid, Adyen processes the payment without ESD.
  • In the  additionalData  object of a /capture request. You can only send ESD in your capture request if you do not use automatic capture. For partial captures, send enhanced scheme data in the captures request. If you send incomplete or invalid data in a capture request, it will be rejected. You can fix and resend the capture request.

To see the additional data in your response, make sure that you have enabled the additional data settings in your Customer Area under Developers > Additional data settings. Contact our Support Team if you need to check whether the ESD you send is complete and valid.