MCC 6012 (API)

In order to reduce fraud, Visa and Mastercard have mandated that all UK-based merchants with a Merchant Category Code (MCC) of 6012 are required to send additional fields in requests to Trust Payments. 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 holder’s account number. If account number type is “CARD”, the account holder’s card number. The returned value in the response is in a masked format, e.g. “411111#######1111”.
customeraccountnumbertype	Alpha (7)	Either “CARD” or “ACCOUNT”.
customerdob	Date YYYY-MM-DD	The account holder’s date of birth.
customerpostcode	Alphanumeric (25)	The customer’s postcode or ZIP code. If the country provided is not United States, Great Britain or Canada, or if no country is provided, the postcode field is not validated.
customerlastname	Alphanumeric including symbols (127)	The customer’s last name.

Request example

The following payload example includes the fields mandated by Visa and Mastercard for merchants with category code 6012:

JS Library payload
Mobile SDK payload

{"payload":{"accounttypedescription":"ECOM","baseamount":"1050","currencyiso3a":"GBP","sitereference":"test_site12345","requesttypedescriptions":["THREEDQUERY","AUTH"],"customeraccountnumber":"4111111111111111","customeraccountnumbertype":"CARD","customerdob":"1990-01-01","customerpostcode":"TE456ST","customerlastname":"Bloggs"},"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","customerdob":"1990-01-01","customerpostcode":"TE456ST","customerlastname":"Bloggs"},"iat":1559033849,"iss":"jwt.user"}