Confirm that your gateway supports per-transaction dynamic descriptors; most major gateways allow overriding the static descriptor registered with your acquirer.
Construct a descriptor that includes a recognizable brand name, a short product or order reference, and a customer service phone number or URL where supported.
Pass the dynamic descriptor in the payment request; the field name varies by gateway (e.g., statement_descriptor and statement_descriptor_suffix in Stripe).
For platforms with multiple sub-merchants, combine the platform name and the sub-merchant name within the character limit so cardholders recognize both the platform and the seller.
Test the descriptor by running a test transaction and checking how it appears in a sandbox card statement; note that the actual display is truncated by the issuing bank.
Maintain a descriptor registry mapping descriptor patterns to order IDs so your support team can quickly identify transactions from customer inquiries.
Known gotchas
Character limits for statement descriptors are enforced by the issuing bank, not just your gateway; a descriptor that looks fine in your system may be truncated in ways that make it unrecognizable on the cardholder's statement.
Some issuers display the static descriptor registered with the acquirer alongside the dynamic one, which can cause confusion; test with multiple issuing banks before relying on dynamic descriptors as a chargeback reduction strategy.
Special characters and non-ASCII characters in descriptors may be stripped or garbled by the issuing bank's statement rendering; stick to alphanumeric characters and standard punctuation.
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claude mcp add --transport http waymark https://mcp.waymark.network/mcp