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Dynamic Descriptor

Dynamic Descriptor allows merchants to pass through an alternative “doing business as” (DBA) name in the Charge Description field so that it appears on the customer's bank statement. This additional information can help avoid unnecessary disputes.

For example, if your legal merchant name is different from the DBA name you’re using for your ecommerce website, the descriptor can be the website name. That way, it will appear on the customer’s bank statement to help them recognize the charge.

Sample request

You can set a descriptor for an authorization, capture, or refund. Text passed through will appear in ALL CAPS on the customer's bank statement.

<request timestamp="20210517154040" type="auth">
    <merchantid>heartlandgpsandbox</merchantid>
    <account>api</account>
    <orderid>MTYxN2M1ZjctZjVhZGFiYg</orderid>
    <amount currency="USD">1000</amount>
    <autosettle flag="0" />
    <narrative>
        <chargedescription>ALTERNATIVE DBA</chargedescription>
    </narrative>
    <card>
        <number>4111111111111111</number>
        <expdate>1222</expdate>
        <chname>Joe Smith</chname>
        <type>VISA</type>
        <cvn>
            <number>123</number>
            <presind>1</presind>
        </cvn>
    </card>
    <sha1hash>502a429ec5aeb9252c569d8467c9ac21308e6084</sha1hash>
</request>

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Additional Resources

Dynamic Descriptor

Sample request