The APEXX API provides two different reference fields for payment and credit transactions, merchant_reference and dynamic_descriptor

  • The merchant reference uniquely identifies a transaction and can be used to trace transactions from the merchant's application to the acquirer. If the merchant reference is not unique, the transaction may be rejected as a duplicate by the processing platform. The merchant reference is not visible to the cardholder. 

  • Data in the dynamic descriptor fields is passed to the issuing bank and will appear on the cardholder's statement. The dynamic descriptor could be an order reference or a short description of the goods or services supplied. Note that the dynamic descriptor is not supported by all acquirers. 

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