---
title: "Card scheme requirements for payment facilitators"
description: "Send sub-merchant transactions to Adyen to comply with Visa and Mastercard requirements"
url: "https://docs.adyen.com/payment-methods/cards/payment-facilitators"
source_url: "https://docs.adyen.com/payment-methods/cards/payment-facilitators.md"
canonical: "https://docs.adyen.com/payment-methods/cards/payment-facilitators"
last_modified: "2024-01-29T12:36:00+01:00"
language: "en"
---

# Card scheme requirements for payment facilitators

Send sub-merchant transactions to Adyen to comply with Visa and Mastercard requirements

[View source](/payment-methods/cards/payment-facilitators.md)

##### Adyen for Platforms

If you are already registered as a payment facilitator and you are using our [Adyen for Platforms](https://www.adyen.com/platform-payments/) solution, refer to the [Platforms documentation for payment facilitators](/platforms/online-payments/payment-facilitators).

If you are a [payment facilitator](/get-started-with-adyen/adyen-glossary#payment-facilitator) that processes card transactions for sub-merchants, Visa, Mastercard, and American Express require you to send certain data points with each transaction. These data points must refer to the sub-merchant, who is considered the Merchant of Record when a transaction is passed through a payment facilitator.

## Send sub-merchant data points with a transaction

During the [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) authorization for each transaction, Visa, Mastercard, and American Express require data points that specify the following information about the sub-merchant:

* **Unique identifier**: You must assign a unique identifier to each of your sub-merchants.
* **Name**: You must provide an accurate name for the sub-merchant that is present on the shopper's statement. For Mastercard and American Express this includes an aggregator prefix.\
  Contact the [Support Team](https://ca-test.adyen.com/ca/ca/contactUs/support.shtml?form=other) to get an aggregator prefix.
* **Location**: You must provide the sub-merchant's location as the location of the transaction.

### Required parameters

You must send `additionalData` parameters with the [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) authorization. For cancellations, captures, and refunds, Adyen automatically populates sub-merchant details from the initial payment.

Submit your request using [AdditionalDataSubMerchant](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant) parameters. See the [API documentation](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) to view specific formatting requirements for each parameter.

The `[subSellerNr]` is always **1**. Submit all `additionalData` parameters as:\
`additionalData.subMerchant.subSeller1.[parameter]`

| Required parameter                                                                                                                                                                                                                   | Description                                                                                                                                                        |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| [additionalData.subMerchant.numberOfSubSellers](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-numberOfSubSellers)                                   | The number of sub-merchants in the transaction. For Payment Facilitators not using [AfP](https://www.adyen.com/platform-payments/), this value must be **1**.      |
| [additionalData.subMerchant.subSeller\[subSellerNr\].id](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-subSeller_subSellerNr_-id)                   | A unique identifier assigned by the payment facilitator.                                                                                                           |
| [additionalData.subMerchant.subSeller\[subSellerNr\].taxId](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-subSeller_subSellerNr_-taxId)             | The tax ID of the sub-merchant: an 11-digit CPF or 14-digit CNPJ. Required only in Brazil.                                                                         |
| [additionalData.subMerchant.subSeller\[subSellerNr\].mcc](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-subSeller_subSellerNr_-mcc)                 | The sub-merchant's 4-digit Merchant Category Code (MCC). Required only in Brazil.                                                                                  |
| [additionalData.subMerchant.subSeller\[subSellerNr\].name](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-subSeller_subSellerNr_-name)               | The name of the sub-merchant.                                                                                                                                      |
| [additionalData.subMerchant.subSeller\[subSellerNr\].street](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-subSeller_subSellerNr_-street)           | The street name and house number of the sub-merchant's address.                                                                                                    |
| [additionalData.subMerchant.subSeller\[subSellerNr\].postalCode](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-subSeller_subSellerNr_-postalCode)   | The postal code of the sub-merchant's address, without dashes. Required only in Brazil, Canada, the United States, and for domestic in-person payments in Ireland. |
| [additionalData.subMerchant.subSeller\[subSellerNr\].city](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-subSeller_subSellerNr_-city)               | The city of the sub-merchant's address.                                                                                                                            |
| [additionalData.subMerchant.subSeller\[subSellerNr\].state](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-subSeller_subSellerNr_-state)             | The state code of the sub-merchant's address, if applicable to the country/region.                                                                                 |
| [additionalData.subMerchant.subSeller\[subSellerNr\].country](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-subSeller_subSellerNr_-country)         | The three-letter [ISO](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-3) country code of the sub-merchant's address.                                               |
| [additionalData.subMerchant.subSeller\[subSellerNr\].email](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-subSeller_subSellerNr_-email)             | The email address of the sub-merchant.                                                                                                                             |
| [additionalData.subMerchant.subSeller\[subSellerNr\].phoneNumber](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-subSeller_subSellerNr_-phoneNumber) | The phone number of the sub-merchant.                                                                                                                              |

### Automatically collected parameters

Your API request contains two additional data points that are automatically collected from your account properties. Do not send these data points manually. The two data points are:

* **`paymentFacilitatorIds`**: Your payment facilitator ID. Both Visa and Mastercard create an ID for you.\
  For example: `AdyenVisa_US_WF_400224: '12345'`
* **`amexCapnSubmitterId`**: American Express will provide a unique ID to you in order to use Adyen as gateway.
* **`aggregatorPrefix`**: Your 25-character aggregator prefix.\
  For example: `PayfacName*SubmerchantName.`

### Sample request

**Sample API request for a sub-merchant transaction**

```json
curl https://checkout-test.adyen.com/v72/payments/ \
-H 'x-api-key: ADYEN_API_KEY' \
-H 'content-type: application/json' \
-d '{
    "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
    "amount": {
        "currency":"EUR",
        "value":10000
    },
    "reference":"YOUR_UNIQUE_REFERENCE",
    "paymentMethod" : {
        "number" : "CARD_NUMBER",
        "expiryMonth" : "EXPIRY_MONTH",
        "expiryYear" : "EXPIRY_YEAR",
        "cvc" : "CVC",
        "holderName" : "HOLDER_NAME",
        "type" : "scheme"
    },
    "additionalData" : {
        "subMerchant.numberOfSubSellers" : 1,
        "subMerchant.subSeller1.id" : "12345",
        "subMerchant.subSeller1.name" : "Test Merchant",
        "subMerchant.subSeller1.street" : "STREET_ADDRESS",
        "subMerchant.subSeller1.postalCode" : "POSTAL_CODE",
        "subMerchant.subSeller1.city" : "CITY",
        "subMerchant.subSeller1.state" : "STATE",
        "subMerchant.subSeller1.country" : "COUNTRY",
        "subMerchant.subSeller1.email": "EMAIL",
        "subMerchant.subSeller1.phoneNumber": "PHONE_NUMBER"
    }
}'
```

## See also

* [Adyen glossary](/get-started-with-adyen/adyen-glossary/)
* [API documentation](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments)
