If your business operates under specific travel-related Merchant Category Codes (MCCs), you can provide enhanced scheme data (ESD) to optimize your interchange rates. Lodging data consists of industry-specific details such as check-in and check-out dates.
You get benefits for transactions, depending on the scheme:
- Visa: prevent downgrades to higher commercial standard rates.
- Mastercard: ensure that your transactions qualify for the interchange rates specific to your industry.
Requirements
In addition to the requirements that apply to sending ESD, take into account the following additional limitations for sending lodging data.
| Requirement | Description |
|---|---|
| Limitations |
|
Eligible MCCs for lodging data
You can send lodging ESD if you have one of the following MCCs:
| MCC | Description | Scheme |
|---|---|---|
| 3501-3999 | Hotels/motels | Mastercard, Visa |
| 7011 | Lodging - hotels, motels and resorts | Mastercard, Visa |
How it works
In your payment or capture requests, include the car rental specific data fields. The recommended request depends on your capture setting.
- Automatic capture and Delayed automatic capture: in the /payments request, include lodging data in the additionalData.lodging object.
- Manual capture (Single partial capture and Multiple partial capture): in the /capture request, include lodging data in the additionalData.enhancedSchemeData.lodging object.
Send lodging data
Include airline data in the payment or capture request.
- For the /payments request: use the additionalData.lodging object.
- For the /capture request: use the additionalData.enhancedSchemeData.lodging object.
Test sending lodging data
Use the following test card to test payments with lodging data:
| Card Number | Card Type | Expiry Date | CVV |
|---|---|---|---|
| 5555 5555 5555 4444 | Mastercard | 03/2030 | 737 |
| 4444 3333 2222 1111 | Visa | 03/2030 | 737 |