Billing descriptor is a company’s name. It appears on a credit card and is set up when the merchant account is established. It is used by the credit card.

The name used is typically the trading name of the business as it is recognized by the customer. The billing descriptor may also be made up of a soft or dynamic descriptor which includes the name of the service provided, which is often used by the company.

Selecting a clear billing descriptor is important for a merchant to avoid a chargeback when the credit card does not recognize the name on the transaction.

Static descriptors

If the company offers a single service or product , this descriptor would be sufficient. (Eg ZXC Services & Products 800-123-4567)

Dynamic descriptors

There is a dynamic descriptors as well as a description of the transaction . Often the merchant’s name is shortened to three (3) letters, followed by an asterisk (*), followed by a short description of the service or product that the business provides. This field typically has a limit of twenty-five (25) characters including the phone number (eg ZXC * Site Access 800-123-4567)

See also

  • Merchant Services
  • Credit card
  • Credit card terminal
  • Credit card fraud
  • Chargeback insurance