Transactions
Descriptors
A descriptor is what your customers will see on their statement when they make a purchase through your mobile app or website. Ultimately, a customer’s bank will determine exactly how your business’s descriptors will appear on customer statements, but they are often formatted like this:
MYCOMPANYNAME 555-123-1234 NM $100.00
There are three types of descriptors:
- Soft Descriptors: The descriptor that shows up after a transaction has been authorized. While the charge is in a pending state, the soft descriptor will be displayed on the customer's statement.
- Hard descriptors: The descriptor that shows up after a transaction has settled. As soon as the customer's bank has finalized the transaction status, the hard descriptor will be permanently displayed as the description of the charge on the customer’s statement.
- Dynamic descriptors: A custom descriptor configured and passed with each transaction via the API.
You are required to provide the following parameters for your descriptor information:
- Merchant name (DBA)
- Merchant state/province
- Customer service phone
We have automatically configured your hard and soft descriptors based on information collected during the application process. Contact us to make any changes. Let us know (1) which fields you would like to change and (2) the new desired values for these fields. Keep the restrictions below in mind when sending us your new values.
Hard and soft descriptor requirements
Merchant name (DBA)
- Limit of 22 characters
- Can contain letters and numbers but must be all CAPS
- Can contain special characters & . , and space
Merchant state
- Must be 2 characters all CAPS
Merchant phone
- Must contain exactly 10 digits
- Can contain dashes
Dynamic descriptor requirements
Dynamic descriptors are composed of a name, state, and phone number or URL. You do not need to provide the state when using dynamic descriptors; we will pull this information for you.
Name
- Composed of a business name and product name, separated by an asterisk (*)
- Business name must be either 3, 7, or 12 characters; product descriptor can be up to 18, 14, or 9 characters respectively (with an * in between for a total of 22 characters).
- Can contain special characters – . + -
- Can contain lower and upper case
- Can contain spaces, but can't start with a space
Some examples of valid descriptor names are:
- cmp*order number
- company*reference num
- greatcompany*product
Phone
- Must contain exactly 10 digits
- Can contain up to 14 characters total, including special characters
- Can contain special characters ( ) -
URL
- Limit of 13 characters
- Can contain special characters . @
You can find more information on how to pass dynamic descriptors for individual transactions in our developer docs.
American Express descriptors
By default you are able to accept American Express through Braintree’s aggregated Amex account. If you have chosen to use your own Amex account, this information does not apply.
If you are using Braintree’s aggregated Amex account, the following soft descriptor appears on customers' statements while transactions are in a pending status:
DBA: braintreecharge.com
Address: 222 W. Merchandise Mart Plaza, Chicago, IL 60654
Phone: 877-434-2894
Once the transaction has settled, your customers will see your specific hard descriptor information on the top level. Braintree’s information will remain in an expandable text field below your descriptor.