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 your POST to Payment Pages to include these fields (or customise your Payment Pages to prompt the customer for the necessary info while they are on the Payment Pages).
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.
Field specification
The required fields are as follows:
| Field name |
Required during payment session (Either included in POST by merchant or entered by customer on Payment Pages) |
Required in POST | Description |
| customeraccountnumber | Yes | Yes |
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. |
| customeraccountnumbertype | Yes | Yes | Either “CARD” or “ACCOUNT”. |
| customercountryiso2a | No | No | 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 | Yes | Yes |
The date of birth of the primary recipient. Format: YYYY-MM-DD. |
| customerlastname | Yes | No |
The last name of the primary recipient. |
| customerpostcode | Yes | No |
The postcode of the primary recipient This must be a valid UK postcode. |
| strequiredfields | No | No |
We recommend using strequiredfields to force the above fields to be required during the customer's session. This means the customer will need to fill in these fields before they are permitted to complete the payment. |
Request example
The following is an example of a POST to Payment Pages that includes the fields mandated by Visa and Mastercard for merchants with category code 6012:
<html>
<body>
<form method="POST" action="https://payments.securetrading.net/process/payments/choice">
<input type="hidden" name="sitereference" value="normal101">
<input type="hidden" name="stprofile" value="default">
<input type="hidden" name="currencyiso3a" value="GBP">
<input type="hidden" name="mainamount" value="100.00">
<input type="hidden" name="customeraccountnumber" value="4111111111111111">
<input type="hidden" name="customeraccountnumbertype" value="CARD">
<input type="hidden" name="customercountryiso2a" value="GB">
<input type="hidden" name="customerdob" value="1990-01-01">
<input type="hidden" name="customerlastname" value="Bloggs">
<input type="hidden" name="customerpostcode" value="TR45 6ST">
<input type="hidden" name="strequiredfields" value="customeraccountnumber">
<input type="hidden" name="strequiredfields" value="customeraccountnumbertype">
<input type="hidden" name="strequiredfields" value="customercountryiso2a">
<input type="hidden" name="strequiredfields" value="customerdob">
<input type="hidden" name="strequiredfields" value="customerlastname">
<input type="hidden" name="strequiredfields" value="customerpostcode">
<input type="hidden" name="version" value="2">
<input type="submit" value="Pay">
</form>
</body>
</html>Replace <DOMAIN> with a supported domain. Click here for a full list.
You can also upload your own HTML to customise the hosted Payment Pages to prompt for the fields required for MCC 6012. To get started with customising the Payment Pages with HTML, click here.
