Overview

Descriptors allow you to provide additional information to your users about what a payment is for and who it is from. This helps your customers recognise the transaction and can reduce chargebacks, disputes or queries from customers.

How it works

A descriptor is set in one of two ways with Assembly, either with a default descriptor or a custom descriptor that you pass to the relevant API object.

Default Descriptors

The following descriptors are shown by default.

Payins

  • Direct Debit ASM [User name] or ASM [Platform name], maximum of 18 characters with 13 usable.
  • Credit Card - ASM*[User name] or ASM*[Platform name], maximum of 22 characters with 18 usable.

Payouts

  • International Wire Payout - ASM*[Platform name], maximum characters vaires depending on the recpient bank. Often 18 characters with 14 usable.
  • Direct Entry / Direct Credit - [4 digit batch ID]:Platform name, maximum of 18 characters with 13 usable.
  • Realtime Payout - ASM*[Platform Name] maximum of 280 characters with 276 usable.
  • PayPal Payout - ASM*[Platform Name], maximum of 22 characters, with 18 usable.

Custom Descriptors

The following descriptors can be set using a custom value.

Payins

  • Direct Debit - using the custom_descriptor field on an Item, you can change what is displayed, see Create Item for more information. Format will be  ASM*[custom_descriptor] with a maximum of 18 characters and 13 usable.
  • Credit Card - using the custom_descriptor field on an Item, you can change what is displayed, see Create Item for more information. Format will be  ASM*[custom_descriptor] with a maximum of 22 characters and 18 usable.

Payouts

  • Realtime Payout - when using the custom_descriptor field on the withdraw call of a user's digital wallet, you can control what appears on the bank statement. Format will be ASM*[custom_descriptor] with a maximum of 280 characters and 276 usable.


#Note for US customers:

Due to restrictions on how credit card transactions are processed in the United States, our US customers cannot use our configurable descriptors feature. Instead, US credit card statements will show either an individual user's name or the name of the platform along with the contact phone number of your support team.

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