A descriptor is used to describe a payment and help the cardholder identify the transaction on their bank statement. When a merchant sets a good descriptor that allows the customer to easily recognize the transaction, they are helping to reduce the risk of chargebacks, ultimately saving the merchant money.

Tips on best practices

  1. Keep it simple - Use a clear, concise, easy to understand format
  2. Provide a brand name and/or website name that the customer will be able to recognize easily.
  3. Make it easy for the customer to contact you - Place a phone number or email address in the descriptor.
  4. Use Test Transactions - Billing descriptors may vary by card network. It is a good idea to send out test transactions to ensure your billing descriptor is satisfactory. Note, in order to optimize your Prevention Alert coverage, it is important to have as many identifiable descriptor variations as possible.

How to find your billing descriptor

As mentioned above, billing descriptors can vary by card network. Therefore, it's best to submit test transactions for your product or service and view how these are displayed in a bank statement. 

Tip: If your account is using prevention alerts, it's best to submit all variations of your billing descriptors to ensure the highest coverage level.

Adding descriptors to your existing account

If you’d like to enroll a new descriptor to your Midigator account, please reach out to your dedicated account manager, email support@midigator.com, or start a live chat inside Midigator. Our team is here to get your descriptors enrolled and activated. 

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