Financial services - MCC 6012 and MCC 6051

MCC 6012

If you're a domestic Financial Services provider (MCC 6012) based in the Visa Europe Region, you must supply this additional data for Visa transactions with each order:

  • Account Number/ Primary Account Number (PAN) of the Primary Recipient
  • Last Name
  • Date of Birth
  • Postcode

This applies even if you also take payments for services not categorised under MCC 6012.

Jump toreference table.

XML for MCC 6012 data

You must supply the four additional elements inside <shopperAdditionalData>, as below:

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<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE paymentService PUBLIC "-//Worldpay//DTD Worldpay PaymentService v1//EN"
  "http://dtd.worldpay.com/paymentService_v1.dtd">
<paymentService version="1.4" merchantCode="YOUR_MERCHANT_CODE">
  <submit>
    <order orderCode="YOUR_ORDER_CODE">
      <description>YOUR_DESCRIPTION</description>
      <amount currencyCode="GBP" exponent="2" value="5000"/>
      <paymentDetails>
        <CARD-SSL>
          <cardNumber>4444333322221111</cardNumber>
          <expiryDate><date month="01" year="2020"/></expiryDate>
          <cardHolderName>A Shopper</cardHolderName>
          <cardAddress>
            <address>
              <address1>47A</address1>
              <address2>Queensbridge Road</address2>
              <address3>Suburbia</address3>
              <postalCode>CB94BQ</postalCode>
              <city>Cambridge</city>
              <state>Cambridgeshire</state>
              <countryCode>GB</countryCode>
            </address>
          </cardAddress>
        </CARD-SSL>
        <session shopperIPAddress="123.123.123.123" id="0215ui8ib1"/>
      </paymentDetails>
      <shopper>
        <shopperEmailAddress>ashopper@myprovider.com</shopperEmailAddress>
      </shopper>
      <shopperAdditionalData>
        <shopperAccountNumber>1234ABC</shopperAccountNumber>
        <lastName>Shopper</lastName>
        <birthDate>
          <date dayOfMonth="01" month="01" year="2020"/>
        </birthDate>
        <postalCode>CB9 4BQ</postalCode>
      </shopperAdditionalData>
    </order>
  </submit>
</paymentService>

XML reference

These are the four elements that should contain the primary recipient details. The primary recipient is the person or entity who has the relevant direct relationship with you, and has agreed to its terms and conditions. The primary recipient may or may not be the person or entity that makes the payment.

ElementsM/ODescription
shopperAccountNumberMandatoryThe unique account identifier of the primary recipient.
May contain a maximum of 10 characters, either letters or digits only.
Enter either of these:
  • For card to card payments (for example, to use a card to pay off a card) – you enter a partial PAN (Primary Account Number) number. In this case, you send the first 6 digits + last 4 digits with no spaces
  • For card to non-card payments (for example, pay off a loan) – you send part of the account number (up to 10 characters)
If this transaction uses a commercial card, use the company account number.
lastNameMandatoryMust contain only alphabetic characters. Use standard English letters, and avoid punctuation marks.
If this transaction uses a commercial card, enter the company name.
birthDateMandatoryThis must be a valid date. Supply the day, month and year in the format DD-MM-YYYY.
If this transaction uses a commercial card, enter 00-00-0000.
postalCodeMandatoryThis field must be a valid UK postal code with a space between the two groups of characters. Use capital letters only.

Debt repayment indicator (DRI) for MCC 6012 and MCC 6051

The schemes introduced a mandate for debt repayment transactions on debit and prepaid cards in all regions under merchant category codes (MCCs) 6012 and 6051.

What is a debt?

Scheme rules define debt as money owed by one party (debtor) to another party (creditor), including the obligation to repay money in connection with the following:

  • Loans
  • Credit card balances
  • Funding of the purchase of goods/services by a third party


According to scheme rules, the following are not treated as debt:

  • Lease payments where ownership of the goods does not automatically pass to the leasee at the end of the lease
  • Instalments or delayed payments to the merchant under terms provided to the cardholder by the merchant

DRI for MCC 6021

Worldpay will add this flag to the schemes on your behalf. No action required.

DRI for MCC 6051 and other MCCs

You must submit the child element of <debtRepayment> in <shopperadditionaldata>. There are two possible values:

ValueDescription
DIndicates a debt repayment
NDebt repayment is not applicable

Example XML for 6051 and other MCCs:

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<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE paymentService PUBLIC "-//Worldpay//DTD Worldpay PaymentService v1//EN"
  "http://dtd.worldpay.com/paymentService_v1.dtd">
<paymentService version="1.4" merchantCode="YOUR_MERCHANT_CODE">
    <submit>
        <order orderCode="YOUR_ORDER_CODE">
            <description>YOUR_DESCRIPTION</description>
            <amount currencyCode="GBP" exponent="2" value="5000"/>
            <paymentDetails>
                <CARD-SSL>
                    <cardNumber>4444333322221111</cardNumber>
                    <expiryDate>
                        <date month="01" year="2020"/>
                    </expiryDate>
                    <cardHolderName>A Shopper</cardHolderName>
                    <cardAddress>
                        <address>
                            <address1>47A</address1>
                            <address2>Queensbridge Road</address2>
                            <address3>Suburbia</address3>
                            <postalCode>CB94BQ</postalCode>
                            <city>Cambridge</city>
                            <state>Cambridgeshire</state>
                            <countryCode>GB</countryCode>
                        </address>
                    </cardAddress>
                </CARD-SSL>
                <session shopperIPAddress="123.123.123.123" id="0215ui8ib1"/>
            </paymentDetails>
            <shopper>
                <shopperEmailAddress>ashopper@myprovider.com</shopperEmailAddress>
            </shopper>
            <shopperAdditionalData>
                <debtRepayment>D</debtRepayment>
            </shopperAdditionalData>
        </order>
    </submit>
</paymentService>