The descriptor is the text that your customer sees on their bank account statement.
The more recognisable your descriptor is, the less risk you have of receiving disputes (e.g. chargebacks).
In the case that you have a shoe shop based in London, United Kingdom, named CoolSnicks Ltd, the descriptor could be the shop name followed by the order ID:
CoolSnicks Ltd #2211
Some of the descriptor can not be set dynamically for each transaction, but is pulled from your account:
A full descriptor in the above case will be:
CoolSnicks Ltd #2211 London, United Kingdom
Most banks will show the full descriptor, but some show less of the descriptor on the cardholder’s account statement.
If no dynamic descriptor is set, we will automatically use your account descriptor.