Enhanced scheme data

Enhanced scheme data (ESD) is optional additional data that you can send with your payment or capture request. ESD lets shoppers see additional information about their purchase on their card statement and use this information for reporting purposes.

The most common ESD type is level 2/3 data. For some industries, the kind of ESD you can include in your requests are industry-specific.

For Visa and Mastercard, ESD can lower your interchange fees by up to 1 percent for US domestic transactions. You can also send ESD to American Express for fraud protection and reporting, but there is no financial incentive for this. Sending ESD does not affect authorization rates.

How it works

You can send ESD for both online and in-person payments.

There are two ways to send ESD to Adyen:

• In the  additionalData  object of a  /payments request. If you are not eligible to submit ESD, or if the ESD you send is incomplete or invalid, Adyen processes the payment without ESD.
• In the  additionalData  object of a /capture request. You can only send ESD in your capture request if you do not use automatic capture. For partial captures, send enhanced scheme data in the captures request. If you send incomplete or invalid data in a capture request, it will be rejected. You can fix and resend the capture request.

To see the additional data in your response, enable the additional data settings in your Customer Area > Developers > Additional data. Contact our Support Team if you need to check whether the ESD you send is complete and valid.

See types and industries to learn about the type of ESD you can send depending on the industry you operate in. You cannot combine different types of ESD, for example, you can send either level 2/3 data or airline data, but not both for one request.

Types and industries

The type of ESD you can send depends on the industry you operate in. You can send level 2/3 ESD data if you do not process under any of the airline, car rental, lodging, or temporary services Merchant category codes (MCC). The table below shows the MCCs that must send industry-specific ESD and not L2/3 data.

^* Applicable to 4722:

• For Mastercard payments that are made with consumer cards, you will get the interchange fee discount without needing to send any additional data. For Mastercard transactions that are made with commercial cards, you can submit L2/3 data.
• For Visa card present transactions that are made with either consumer or commercial cards, airline data must be sent to get the interchange fee discount. For Visa card-not-present transactions, you do not have to send airline data to get the interchange fee discount. For Visa transactions that are made with commercial cards, you cannot submit L2/3 data.

Merchants processing payments under some other MCCs also cannot send level 2/3 ESD.
Do not send level 2/3 ESD for Mastercard or Visa payments if you have one of the following MCCs:

• 4112 - Passenger Railways
• 5812 - Eating Places and Restaurants
• 4468 - Marinas, Marine Service, and Supplies
• 5541 - Service Stations (with or without Ancillary Services)
• 5542 - Automated Fuel Dispensers
• 5983 - Fuel Dealers - Fuel Oil, Wood, Coal, and Liquefied Petroleum
• 5499 - Miscellaneous Food Stores - Convenience Stores and Specialty Markets

Do not send level 2/3 ESD for Visa payments if you have one of the following MCCs:

• 4411 - Steamship and Cruise Lines
• 5814 - Fast Food Restaurants
• 4582 - Airports, Flying Fields, and Airport Terminals
• 5172 - Petroleum and Petroleum Products
• 5552 - Electric Vehicle Charging
• 7523 - Parking lots, parking meters, and garages
• 7542 - Car Washes

Send ESD