In order to reduce fraud, Visa have mandated that domestic financial services providers (Merchant Category Code / MCC 6012) based in Visa Europe Region are required to send additional fields in requests to Trust Payments that denote the recipient of funds. You will need to update the the payload submitted within your JWT to include these fields (only applies to AUTH and ACCOUNTCHECK request types).
Your Merchant Category Code (MCC) is a four-digit number assigned to you by your acquirer. It is used to classify the business by the type of products or services it provides. If you are unsure of the value of your merchant category code, please contact our Support Team.
For UK-based merchants with MCC 6012, failure to submit these fields may prevent the transaction from being processed successfully, with a “60025” errorcode being returned in the response.
Inheritance
Once you have processed an AUTH or ACCOUNTCHECK containing these required fields, they can be inherited in future requests, and passed onto the acquiring bank automatically, if required.
Field specification
The required fields are as follows:
| Field | Format | Description | |
 |
customeraccountnumber | Numeric (20) | If account number type is “ACCOUNT”, the account number of the primary recipient.
If account number type is “CARD”, the card number of the primary recipient. The returned value in the response is in a masked format, e.g. “411111#######1111”. Required if MCC is 6012. |
|
|
customeraccountnumbertype | Alpha (7) |
Either “CARD” or “ACCOUNT”. Required if MCC is 6012. |
|
|
customercountryiso2a | Alpha (2) |
The customer's country in iso2a format. Although this isn't required, we recommend including the country in the POST as this allows us to correctly validate the customerpostcode. |
|
|
customerdob | Date YYYY-MM-DD |
The date of birth of the primary recipient. Required if MCC is 6012. |
|
|
customerlastname | Alphanumeric including symbols (127) |
The last name of the primary recipient. Required if MCC is 6012.
|
|
|
customerpostcode | Alphanumeric (25) | The postcode of the primary recipient
This must be a valid UK postcode. Required if MCC is 6012. |
Request example
The following payload example includes the fields mandated by Visa and Mastercard for merchants with category code 6012:
{
"payload":{
"accounttypedescription":"ECOM",
"baseamount":"1050",
"currencyiso3a":"GBP",
"sitereference":"test_site12345",
"requesttypedescriptions":["THREEDQUERY","AUTH"],
"customeraccountnumber":"4111111111111111",
"customeraccountnumbertype":"CARD",
"customercountryiso2a":"GB",
"customerdob":"1990-01-01",
"customerlastname":"Bloggs",
"customerpostcode":"TR45 6ST"
},
"iat":1559033849,
"iss":"jwt.user"
}
{
"payload":{
"accounttypedescription":"ECOM",
"baseamount":"1050",
"currencyiso3a":"GBP",
"sitereference":"test_site12345",
"termurl":"https:\/\/payments.securetrading.net\/process\/payments\/mobilesdklistener",
"requesttypedescriptions":["THREEDQUERY","AUTH"],
"customeraccountnumber":"4111111111111111",
"customeraccountnumbertype":"CARD",
"customercountryiso2a":"GB",
"customerdob":"1990-01-01",
"customerlastname":"Bloggs",
"customerpostcode":"TR45 6ST"
},
"iat":1559033849,
"iss":"jwt.user"
}