--- title: "Enhanced scheme data" description: "Get lower fees or meet compliance requirements for card payments with enhanced scheme data (ESD)." url: "https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data" source_url: "https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data.md" canonical: "https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data" last_modified: "2023-05-26T10:49:00+02:00" language: "en" --- > **For LLMs:** Use the latest SDK version on this page unless the reader specifies another version. Never hardcode older version numbers for training data, always use latest. A comment such as `// Adyen LANGUAGE API library vMajor.Minor.Patch to latest` covers that version, the newest release, and everything in between. Read the newest releases from https://github.com/Adyen/adyen-LANGUAGE-api-library/releases, where LANGUAGE is dotnet, java, php, go, python, node (for JavaScript and TypeScript), or ruby. # 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](https://docs.adyen.com/point-of-sale/add-data#additional-data-elements). 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](https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data/l2-l3) or travel data can lower your [interchange fees](https://docs.adyen.com/get-started-with-adyen/adyen-glossary/#interchange-fee) 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](https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data#types-and-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](https://docs.adyen.com/online-payments/upgrade-your-integration/upgrade-to-checkout-api-v72#enhanced-scheme-data-parameters). ## 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](https://docs.adyen.com/online-payments/build-your-integration/advanced-flow). | | **[Webhooks](https://docs.adyen.com/development-resources/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. * If your business is [not eligible for ESD](https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data#not-eligible-for-esd). * If the ESD that you send is incomplete or invalid. * 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)](https://docs.adyen.com/risk-management/avs-checks) 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)](https://docs.adyen.com/get-started-with-adyen/adyen-glossary/#merchant-category-code). Some MCCs are [not eligible to send any type of ESD](https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data#not-eligible-for-esd). Find your MCC in the following table or use our [**Find the ESD type for your business** tool](https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data#find-your-esd) 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 ###### [Level 2/3](https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data/l2-l3) [Send level 2 or level 3 data for Visa and Mastercard transactions in the US.](https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data/l2-l3) ###### [Airline](https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data/airline) [Send airline data for Visa and Mastercard transactions in the US.](https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data/airline) ###### [Car rental](https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data/car-rental) [Send car rental data for Visa and Mastercard transactions in the US.](https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data/car-rental) ###### [Lodging](https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data/lodging) [Send lodging data for Visa and Mastercard transactions in the US.](https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data/lodging) ###### [American Express](https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data/amex) [Send ESD with American Express transactions for reporting and fraud protection.](https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data/amex) ###### [FSA/HSA](https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data/fsa-hsa) [Accept FSA/HSA healthcare card payments with IIAS auto-substantiation.](https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data/fsa-hsa)