The descriptor is the text your cardholder sees on their bank account statement.
You should use a descriptor your customer can recognise to avoid disputes. If your legal company name differs from your trading name (e.g. domain), you should use the name which your customers will be able to identify.
The descriptor is set on the account and added to your transactions. We also support the use of dynamic descriptors to e.g. include an order id, which, if used, will overwrite the account descriptor.
The full description that is sent to your cardholders bank (issuing bank) for a transaction is:
Account descriptor or Dynamic descriptor
The account/dynamic descriptor can be up to 22 characters long.
Are you a developer? See our documentation.
In the case that you have a shoe shop based in London, United Kingdom, named CoolSnicks Ltd, the descriptor would be:
London, United Kingdom
Most banks will show the full descriptor, but some banks show less of the descriptor on the cardholder’s account statement.