Business Attributes
Submit additional transaction details for eligible business categories, such as travel, events, hospitality, rentals, and furniture.
Introduction
Business Attributes are additional transaction fields that let you submit business-specific details with a card payment. These details are linked to the Merchant Category Code (MCC) of your terminal and are used to provide more context about the goods or services connected to a transaction.
Business Attributes are useful when the payment is taken before the goods or services are delivered. For example, you can use them when a customer books a hotel stay, buys tickets for a future event, rents a vehicle, or pays a deposit before the final balance is due.
When to use Business Attributes
Use Business Attributes when you need to provide additional information about a transaction, such as:
- Travel dates
- Flight details
- Event dates
- Hotel check-in and check-out dates
- Vehicle pick-up and return dates
- Supplier or contractor details
- Whether the transaction is a deposit or a balance payment
The available fields depend on your business category and MCC.
Business Attributes are optional by default. However, individual attributes can be configured as required for your account if required. If a required Business Attribute is not submitted, the transaction may be rejected before it is sent for processing.
Prerequisites
Contact your Account Manager or emerchantpay support for assistance with enabling and configuring Business Attributes for your account.
Supported integrations
You can submit Business Attributes with the following integrations:
Supported transactions
You can submit Business Attributes with card payments of the following transaction types, if enabled for your account:
- authorize
- authorize3d
- capture
- sale
- sale3d
Supported business categories and MCCs
The following table shows the business categories that support Business Attributes:
| BUSINESS CATEGORY | MCC DESCRIPTION | MCC |
|---|---|---|
| Airlines, Air Carriers | Airlines, Air Carriers | 4511 |
| Airlines, Air Carriers | Airlines | 3000–3302 |
| Event Management | Consulting, Public Relations | 7392 |
| Event Management | Miscellaneous General Services | 7299 |
| Event Management | Theatrical Ticket Agencies | 7922 |
| Event Management | Direct Marketing – Other | 5969 |
| Furniture | Furniture, Home Furnishings, and Equipment Stores, Except Appliances | 5712 |
| Furniture | Office and Commercial Furniture | 5021 |
| Hotels and Real Estate Rentals | Hotels/Motels/Inns/Resorts | 3501–3790 |
| Hotels and Real Estate Rentals | Real Estate Agents and Managers – Rentals | 6513 |
| Hotels and Real Estate Rentals | Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified) | 7011 |
| Hotels and Real Estate Rentals | Timeshares | 7012 |
| Car, Plane and Boat Rentals | Car Rental | 3351–3441 |
| Car, Plane and Boat Rentals | Taxicabs and Limousines | 4121 |
| Car, Plane and Boat Rentals | Bus Lines, Including Charters, Tour Buses | 4131 |
| Car, Plane and Boat Rentals | Boat Rentals and Leases | 4457 |
| Car, Plane and Boat Rentals | Transportation Services, not elsewhere classified | 4789 |
| Car, Plane and Boat Rentals | Car Rental Companies | 7512 |
| Car, Plane and Boat Rentals | Truck and Utility Trailer Rentals | 7513 |
| Car, Plane and Boat Rentals | Motor Home and Recreational Vehicle Rentals | 7519 |
| Cruise Lines | Cruise Lines | 4411 |
| Travel Agencies | Travel Agencies | 4722 |
| Travel Agencies | Package Tour Operators, for use in Germany only | 4723 |
| Travel Agencies | Direct Marketing – Travel-related Arrangement Services | 5962 |
Business Attribute fields
As a merchant, you submit the Business Attributes for each related transaction. They are not displayed to the customer during checkout.
The fields you can submit depend on the business category.
payment_type field is an exception, as it’s supported by all categories. Use this field when the customer pays for goods or services in more than one instalment.
The following table describes the supported payment_type values, which indicate whether the transaction is a deposit or the remaining balance:
| VALUE | DESCRIPTION |
|---|---|
deposit |
The transaction is an initial partial payment. |
balance |
The transaction is the remaining payment after a previous deposit. |
If the transaction is a one-off payment and there is no deposit or balance arrangement, you do not need to submit payment_type, unless it is required for your account setup.
Airlines, Air Carriers
The following table lists the Business Attributes available for airline and air carrier transactions:
| ATTRIBUTE | TYPE | DESCRIPTION |
|---|---|---|
flight_arrival_date |
string | Date when the flight arrives. Format: dd-mm-yyyy. |
flight_departure_date |
string | Date when the flight departs. Format: dd-mm-yyyy. |
airline_code |
string | Airline code. |
airline_flight_number |
string | Flight number. |
flight_ticket_number |
string | Flight ticket number. |
flight_origin_city |
string | Origin city of the flight. |
flight_destination_city |
string | Destination city of the flight. |
airline_tour_operator_name |
string | Name of the tour operator. |
Event Management
The following table lists the Business Attributes available for event management transactions:
| ATTRIBUTE | TYPE | DESCRIPTION |
|---|---|---|
event_start_date |
string | Date when the event starts. Format: dd-mm-yyyy. |
event_end_date |
string | Date when the event ends. Format: dd-mm-yyyy. |
event_organizer_id |
string | Event organiser identifier. |
event_id |
string | Event identifier. |
Furniture
The following table lists the Business Attributes available for furniture transactions:
| ATTRIBUTE | TYPE | DESCRIPTION |
|---|---|---|
date_of_order |
string | Date when the order was placed. Format: dd-mm-yyyy. |
delivery_date |
string | Expected delivery date. Format: dd-mm-yyyy. |
name_of_the_supplier |
string | Name of the supplier. |
Hotels and Real Estate Rentals
The following table lists the Business Attributes available for hotel bookings and real estate rental transactions:
| ATTRIBUTE | TYPE | DESCRIPTION |
|---|---|---|
check_in_date | string | Date when the customer checks in. Format: dd-mm-yyyy. |
check_out_date |
string | Date when the customer checks out. Format: dd-mm-yyyy. |
travel_agency_name |
string | Name of the travel agency. |
Car, Plane and Boat Rentals
The following table lists the Business Attributes available for car, plane and boat rental transactions:
| ATTRIBUTE | TYPE | DESCRIPTION |
|---|---|---|
vehicle_pick_up_date |
string | Date when the customer picks up the vehicle. Format: dd-mm-yyyy. |
vehicle_return_date |
string | Date when the customer returns the vehicle. Format: dd-mm-yyyy. |
supplier_name |
string | Name of the supplier or contractor. |
Cruise Lines
The following table lists the Business Attributes available for cruise line transactions:
| ATTRIBUTE | TYPE | DESCRIPTION |
|---|---|---|
cruise_start_date |
string | Date when the cruise begins. Format: dd-mm-yyyy. |
cruise_end_date |
string | Date when the cruise ends. Format: dd-mm-yyyy. |
Travel Agencies
The following table lists the Business Attributes available for travel agency transactions:
| ATTRIBUTE | TYPE | DESCRIPTION |
|---|---|---|
arrival_date |
string | Date of arrival. Format: dd-mm-yyyy. |
departure_date |
string | Date of departure. Format: dd-mm-yyyy. |
carrier_code |
string | Carrier code. |
flight_number |
string | Flight number. |
ticket_number |
string | Ticket number. |
origin_city |
string | Origin city. |
destination_city |
string | Destination city. |
travel_agency |
string | Name of the travel agency. |
contractor_name |
string | Name of the contractor. |
atol_certificate |
string | ATOL certificate number. |
pick_up_date |
string | Pick-up date. Format: dd-mm-yyyy. |
return_date |
string | Return date. Format: dd-mm-yyyy. |
Submit Business Attributes
The following sections provide examples of submitting Business Attributes with each supported integration.
Server-to-server integration
Submit Business Attributes as part of a standard payment transaction request.
The following is an example of submitting Business Attributes for an event transaction:
<payment_transaction>
<transaction_type>sale</transaction_type>
<transaction_id>119643250547501c79d8295</transaction_id>
<usage>40208 concert tickets</usage>
<remote_ip>245.253.2.12</remote_ip>
<amount>10000</amount>
<currency>EUR</currency>
<customer_email>customer@example.com</customer_email>
<card_holder>John Smith</card_holder>
<card_number>4200000000000000</card_number>
<expiration_month>12</expiration_month>
<expiration_year>2028</expiration_year>
<cvv>123</cvv>
<business_attributes>
<event_start_date>20-09-2026</event_start_date>
<event_end_date>20-09-2026</event_end_date>
<event_organizer_id>ORG-123</event_organizer_id>
<event_id>EVENT-456</event_id>
<payment_type>deposit</payment_type>
</business_attributes>
</payment_transaction>Web Payment Form
You can include Business Attributes in the WPF Create request. The attributes are submitted with the transaction data and are not shown as additional fields on the hosted payment form.
The following is an example of submitting Business Attributes in a WPF Create request:
<wpf_payment>
<transaction_id>119643250547501c79d8295</transaction_id>
<usage>Hotel booking deposit</usage>
<description>Hotel booking deposit</description>
<notification_url>https://www.example.com/notification</notification_url>
<return_success_url>https://www.example.com/success</return_success_url>
<return_failure_url>https://www.example.com/failure</return_failure_url>
<return_cancel_url>https://www.example.com/cancel</return_cancel_url>
<amount>25000</amount>
<currency>EUR</currency>
<customer_email>customer@example.com</customer_email>
<transaction_types>
<transaction_type name=”sale3d”/>
</transaction_types>
<business_attributes>
<check_in_date>10-08-2026</check_in_date>
<check_out_date>17-08-2026</check_out_date>
<travel_agency_name>Example Travel Agency</travel_agency_name>
<payment_type>deposit</payment_type>
</business_attributes>
</wpf_payment>Virtual Terminal or Pay by Link
If Business Attributes are enabled for your account and the selected terminal uses an eligible MCC, the corresponding fields are displayed in the Virtual Terminal or Pay by Link form.
Required fields are marked in the form. You must complete all required fields before processing the transaction or generating the payment link. If a required Business Attribute is not submitted, the transaction may be rejected before it is sent for processing.
View Business Attributes
Using the Gateway Console, you can view Business Attributes on the Transaction Details page or in a customized exported report.
If your account is configured to use Extended EPA reports, Business Attributes can also be included in exported reporting data for reconciliation. Extended EPA reports include additional transaction details for businesses using Business Attributes or Travel Data.