Descriptor


May 21, 2020

A 20-25-character description used on a card statement by the issuing bank to identify the merchant with whom each transaction took place. The descriptor includes the merchant’s name and phone number and can be modified to reflect what product or service was purchased. A descriptor can help protect a merchant from a chargeback resulting from a customer dispute, provided the descriptor clearly identifies what was purchased and from whom. Each merchant’s descriptor is unique to their business and merchant account.