Merchant Profile Onboarding Guide
In order to process transactions using Spreedly’s 3DS2 solution, you must register your merchants via the Spreedly platform. There is a required set of data fields per card network that are necessary to generate 3DS credentials per merchant:
- Acquirer BIN (ABIN)
- Merchant ID (MID)
- Merchant Category Code (MCC)
- Merchant Name
- Merchant Country
- Merchant URL
The top six fields can be located by contacting your acquirer or, in some cases, can be located by using your payment processor (see more on this below).
After you have collected the data above, you will be able to register with Spreedly 3DS2 Global using our Merchant Management Endpoint.
Important Note At this time, Stripe is not able to provide ABIN/MID details to 3rd parties. In order to be SCA-ready, we recommend that Stripe merchants use Spreedly’s Gateway Specific 3DS2 solution for Stripe Payment Intents.
What is an ABIN?
ABIN stands for acquiring bank identification number. This is the Bank Identification Number (BIN) that is used to clear and settle the transaction within the card networks and the country in which it is licensed for use. ABINs are maintained on lists created by the card networks and then distributed by the card networks to PSPs. It is only the Card Schemes that assign the BIN to their member (issuer or acquirer). Acquirers may be assigned multiple BINs, depending on the regions in which they operate.
There are various places the ABIN could be located:
- Contact your acquirer to obtain your ABIN.
- If you aren’t familiar with where to find your ABIN, your payment processor could be of value. Due to the sensitive nature of the information, some payment processors may not provide the BIN via email but are able to assist over the phone.
What is a MID?
The MID is a unique code that ensures the funds make it from the cardholder’s bank account to your bank account when a transaction is processed. It is passed with other transaction information and is used to help with transaction reconciliation. You receive a MID when you open a merchant account with an acquiring bank. A merchant can have multiple MIDs based on the different sales channels they have.
There are various places the MID could be located:
- Contact your acquirer to obtain your acquirer MID.
- MID can also be found by contacting your payment processor’s support team.
What is a MCC?
The MCC is a 4-digit code that classifies the type of goods or services that the business sells. Depending on its various lines of business, a merchant could have multiple MCCs. It is mandatory and usually used during the ACS risk analysis (not to be displayed anywhere). Certain MCCs are deemed riskier than others by the issuer, and thus tend to require a stronger challenge during the authentication.
There are various places the MCC could be located:
- Contact your acquirer to obtain your MCC.
- Tax Document: Form 1099-K has a merchant category code box which includes the 4-digit MCC. This document can be found under your gateway’s documentation/reporting section.
- Some Payment Processors automatically assign a MCC at account creation, or you can set the MCC on your own. If you don’t know what your MCC is, you can contact your gateway’s support and they should be able to help. Due to the sensitive nature of the information, some payment processors may not be able to provide that information via email.
What is the Merchant Name?
Assigned by the acquiring bank; please contact them.
What is the Merchant Country?
Country Code in ISO 3166-1 numeric format.
What is the Merchant URL?
Fully qualified URL of the merchant’s main website or customer care site that contains a method of contact. This provides additional information to the receiving 3DS system if a problem arises. It is sent to the ACS (issuer), which will decide if it is relevant to be displayed—however, it isn’t commonly used.
If you have multiple URLs, the one that best represents your organization should be used.
See a list of all 3DS frequently asked questions in the Help Center.