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.

The most common ESD type is level 2/3 data. For some industries, the kind of data you can include in your requests are industry-specific.

For Visa and Mastercard, sending ESD can lower your interchange fees by up to 1 percent for US domestic transactions. You can also send ESD to American Express for fraud protection and reporting, but there is no financial incentive for this. Sending ESD does not affect authorization rates.

How it works

You can send ESD for both online and in-person payments. You must contact our Support Team to enable the setting to include enhanced scheme data in your Customer Area.

There are two ways to send the data to Adyen:

• In the  additionalData  object of a  /payments request or Terminal API payment request.
  • Use case: when you use (delayed) automatic capture.
  • If you are not eligible to submit ESD, or if the ESD you send is incomplete or invalid, Adyen processes the payment without the data you submitted.
• In the  additionalData  object of a /capture request.
  • Use cases: when you use manual capture, partial capture or multiple partial captures.
  • For manual capture, send ESD in either the payment or the capture request. If you send level 2/3 data in the payment request, the payment amount must be same as the capture amount when you manually capture the payment. We recommend to send ESD in the capture request in case the authorization amount changes.
  • For single or multiple partial captures, always send level 2/3 data in the capture request.
  • If you send incomplete or invalid data in a capture request, Adyen processes the request without the data you submitted.

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

See types and industries to learn about the type of ESD you can send depending on the industry you operate in. You cannot combine different types, for example, you can send either level 2/3 data or airline data, but not both for one request.

Types and industries

The type of data you can send depends on the industry you operate in. You can send level 2/3 data if you do not process under any of the airline, car rental, lodging, or temporary services Merchant category codes (MCC). The table below shows the MCCs that must send industry-specific data instead of level 2/3 data.

^* Applicable to 4722:

• Mastercard transactions: You automatically get a discount for consumer card payments. For commercial cards, you can submit level 2/3 data for the interchange fee discount.
• Visa transactions: The rules for Visa depend on whether the payment is made in-person or online.
  • Card present: For both consumer and commercial cards, you must send airline data to get a discount.
  • Card not present: You do not have to send airline data to get a discount.
  • You cannot send level 2/3 data for any Visa commercial card transaction.

Merchants processing payments under some other MCCs also cannot send level 2/3 data.
Do not send level 2/3 data for Mastercard or Visa payments if you have one of the following MCCs:

• 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

Do not send level 2/3 data for Visa payments if you have one of the following MCCs:

• 4411 - Steamship and Cruise Lines
• 5814 - Fast Food Restaurants
• 4582 - Airports, Flying Fields, and Airport Terminals
• 5172 - Petroleum and Petroleum Products
• 5552 - Electric Vehicle Charging
• 7523 - Parking lots, parking meters, and garages
• 7542 - Car Washes

Send ESD