{"title":"Enhanced scheme data","category":"default","creationDate":1678963740,"content":"
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In-person payments integration?<\/strong>
\nRefer to Add information to a payment<\/a>.<\/p><\/div><\/div>\n\n

Enhanced Scheme Data (ESD) is optional additional data that you can send with your payment or capture requests for US domestic transactions. ESD lets shoppers see additional information about their purchase on their card statement and use this information for reporting purposes. ESD does not affect authorization rates.<\/p>\n

For some industries<\/a>, 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.<\/p>\n

For Visa and Mastercard, sending ESD can lower your interchange fees by up to 1 percent. For American Express, you can send ESD for fraud protection and reporting, refer to American Express<\/a> for more information.<\/p>\n

Requirements<\/h2>\n

Before you begin, take into account the following requirements, limitations, and preparations.<\/p>\n\n\n\n\n\n\n\n\n
Requirement<\/th>\nDescription<\/th>\n<\/tr>\n<\/thead>\n
Integration type<\/strong><\/td>\nAn online payments integration that uses the Advanced flow<\/a>.<\/td>\n<\/tr>\n
Webhooks<\/a><\/strong><\/td>\nListen for webhook messages with the following eventCode<\/code> values:
  • AUTHORISATION<\/strong><\/span><\/li>
  • CAPTURE<\/strong><\/span><\/li><\/ul>.<\/td>\n<\/tr>\n
Limitations<\/strong><\/td>\n
Setup steps<\/strong><\/td>\nBefore you begin:
For Visa, set up Address Verification System (AVS)<\/a> checks. For each Visa transaction, you must include AVS data in the request to qualify for interchage fee discounts.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Merchant Category Codes (MCCs) and ESD types<\/h2>\n

The type of ESD you can send depends on card schemes and your Merchant Category Code (MCC)<\/a>. Some MCCs are not eligible to send any type of ESD<\/a>.<\/p>\n

Find your MCC in the following table or use our Find the ESD type for your business<\/strong> tool<\/a> to learn what applies to your business.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
MCC<\/th>\nIndustry<\/th>\nScheme<\/th>\nESD type<\/th>\n<\/tr>\n<\/thead>\n
3000-3350<\/strong><\/td>\nAirlines<\/td>\nMastercard, Visa<\/td>\nAirline<\/td>\n<\/tr>\n
3351-3500<\/strong><\/td>\nAutomobile\/vehicle rentals<\/td>\nMastercard, Visa<\/td>\nCar rental<\/td>\n<\/tr>\n
3501-3999<\/strong><\/td>\nHotels\/motels<\/td>\nMastercard, Visa<\/td>\nLodging<\/td>\n<\/tr>\n
4411<\/strong><\/td>\nSteamship and cruise lines<\/td>\nMastercard<\/td>\nLevel 2\/3<\/td>\n<\/tr>\n
4511<\/strong><\/td>\nAirlines and air carriers<\/td>\nMastercard, Visa<\/td>\nAirline<\/td>\n<\/tr>\n
4582<\/strong><\/td>\nAirports, flying fields, and airport terminals<\/td>\nMastercard<\/td>\nLevel 2\/3<\/td>\n<\/tr>\n
4722<\/strong><\/td>\nTravel agencies and tour operators<\/td>\nMastercard<\/td>\nLevel 2\/3<\/td>\n<\/tr>\n
5172<\/strong><\/td>\nPetroleum and petroleum products<\/td>\nMastercard<\/td>\nLevel 2\/3<\/td>\n<\/tr>\n
5552<\/strong><\/td>\nElectric vehicle charging<\/td>\nMastercard<\/td>\nLevel 2\/3<\/td>\n<\/tr>\n
5814<\/strong><\/td>\nFast food restaurants<\/td>\nMastercard<\/td>\nLevel 2\/3<\/td>\n<\/tr>\n
7011<\/strong><\/td>\nLodging \u2013 hotels, motels, resorts<\/td>\nMastercard, Visa<\/td>\nLodging<\/td>\n<\/tr>\n
7512<\/strong><\/td>\nAutomobile rental agency<\/td>\nMastercard, Visa<\/td>\nCar rental<\/td>\n<\/tr>\n
7513<\/strong><\/td>\nTruck and utility trailer rentals<\/td>\nMastercard, Visa<\/td>\nCar rental<\/td>\n<\/tr>\n
7519<\/strong><\/td>\nMotor home and recreational vehicle rentals<\/td>\nMastercard<\/td>\nCar rental<\/td>\n<\/tr>\n
7523<\/strong><\/td>\nParking lots, parking meters, and garages<\/td>\nMastercard<\/td>\nLevel 2\/3<\/td>\n<\/tr>\n
7542<\/strong><\/td>\nCar washes<\/td>\nMastercard<\/td>\nLevel 2\/3<\/td>\n<\/tr>\n
All other MCCs<\/strong><\/td>\n<\/td>\nMastercard, Visa<\/td>\nLevel 2\/3<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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