Onboarding to Networks

Introduction

The first step is for Payrails to set up the configuration between the merchant and the networks. Payrails works as an on-behalf-of token requestor and handles the heavy lifting of the integrations with the networks for the merchants. Meanwhile, Payrails merchants become the Token Requestor, to whom the ownership of the tokens belongs to. Each network has a different onboarding process, requiring a different set of information. Payrails handles this complexity and provides a network-agnostic onboarding process to its merchants. The consolidated set of fields that we will need is presented below.

Legal Entity Name
Legal Entity Address
Legal Entity Email Address
Legal Entity Website URL
Branded Name of the Merchant’s App
Business Identification Value (only for Visa)
Service Establishment Number (only for AmEx)

You can also see the network-specific fields in detail below for your reference and to see details and examples of the information required.

Onboarding To Visa

The information that needs to be provided to Visa is stated below.

Information	Details	Example
Business Identification Type	The Identifier associated with the business type.	Some examples are ABN (Australian business number), which has the format of 11 numeric digits, BID (Business identification number for all countries, which has the format of 8 numeric digits, and NID (South Africa national identification number), which has the format of 13 numeric digits. See the next section after the list for more details.
Business Identification Value	The value associated with the business identification type.	Values vary based on the identification type. See the next section after the list for more details.
Address City	City in the token requestor’s primary address. A string between 1-100 characters with alphabetic, numeric, or the following characters: spaces, ’ (single quote), . (period).	Berlin
Address Country	ISO 3166-1 alpha-2 two-letter country code.	DE
Address Legal Name	Legal name of Token Requestor. Alphanumeric, excepting semi-colon, percent sign, and parentheses.	Cool Technologies Ltd
Primary Contact Email	Official Standard Email Address of the Token Requestor.	cooltechnologies@email.com
Primary Website URL	The URL of the Token Requestor’s (merchant’s) website related to the payment transaction. It should include “https://“.	https://www.merchant.com
VTS Profile Name	Profile name under which the payment application is registered in the Visa Tokenization Service system. It can be identical to the VTS Client App ID.	Cool Tech
VTS Client App ID	Unique identifier for the payment application, which is the branded name of the payment app.	Cool Tech

Business Identification Type and Value

When onboarding a merchant to VTS (Visa Token Service), Visa requires one or more official identifiers that uniquely identify the merchant’s legal business entity.

Business Identification Type: Defines what kind of identifier it is. Examples: VAT ID, Tax ID, Company Registration Number, LEI, ABN, etc.
Business Identification Value: The actual identifier string. Examples: DE123456789 (German VAT ID), GB987654321 (UK VAT ID), etc.

How I can find my company's Business Identification Type and Value?

Below is a practical table showing common identifier types you would use in different countries/regions.

Country / Region	Recommended Type	Notes for Merchants
Australia	ABN	Primary identifier for most businesses
Australia (companies)	ACN	Can be used in addition to ABN
United States	EIN	Use SSN only for individual merchants
Canada	BN	SIN only for individuals
European Union	VAT	Most common and preferred
United Kingdom	VAT	If VAT-registered
UK (non-VAT)	Company Number (via VAT not applicable)	VAT preferred if available
Brazil	CNPJ	Mandatory for businesses
Mexico	RFC	Format differs for individuals vs companies
India	PAN	Mandatory for businesses
Japan	CORPORATE_NUMBER	National corporate identifier
Singapore	UEN	Covers businesses and entities
New Zealand	NZBN	Official business number
South Korea	BRN	Business registration number
China	USCI	Unified Social Credit Code
UAE	VAT	Mandatory for VAT-registered merchants
Saudi Arabia	VAT or CR	VAT preferred if available
South Africa	VAT or NID	VAT preferred for businesses

When businessIdentificationType = VAT, the businessIdentificationValue must follow the exact country format shown below.

Country	VAT Format	Example
Austria (AT)	`ATU` + 8 digits	ATU12345678
Belgium (BE)	`BE` + 10 digits (prefix with `0` if needed)	BE0123456789
Bulgaria (BG)	`BG` + 9 or 10 digits	BG123456789
Croatia (HR)	`HR` + 11 digits	HR01234567891
Cyprus (CY)	`CY` + 8 digits + 1 letter	CY12345678X
Czech Republic (CZ)	`CZ` + 8–10 digits	CZ123456789
Denmark (DK)	`DK` + 8 digits	DK12345678
Estonia (EE)	`EE` + 9 digits	EE123456789
Finland (FI)	`FI` + 8 digits	FI12345678
France (FR)	`FR` + 11 characters	FR12345678901
Germany (DE)	`DE` + 9 digits	DE123456789
Greece (EL)	`EL` + 9 digits	EL123456789
Hungary (HU)	`HU` + 8 digits	HU12345678
Iceland (IS)	5–6 digits	12345
Ireland (IE)	`IE` + 8 alphanumeric characters	IE1234567X
Israel (IL)	9 digits	123456789
Isle of Man (GB)	`GB` + 9 or 12 digits (first two must be `00`)	GB003456789
Italy (IT)	`IT` + 11 digits	IT12345678901
Latvia (LV)	`LV` + 11 digits	LV12345678901
Lithuania (LT)	`LT` + 9 or 12 digits	LT123456789
Luxembourg (LU)	`LU` + 8 digits	LU12345678
Malta (MT)	`MT` + 8 digits	MT12345678
Netherlands (NL)	`NL` + 12 characters (10th = `B`)	NL123456789B01
Norway (NO)	`NO` + 9 digits + `MVA`	NO123456789MVA
Poland (PL)	`PL` + 10 digits	PL1234567890
Portugal (PT)	`PT` + 9 digits	PT123456789
Romania (RO)	`RO` + 2–10 digits	RO12345678
Saudi Arabia (SA)	15 digits	123456789012345
Slovak Republic (SK)	`SK` + 10 digits	SK1234567890
Slovenia (SI)	`SI` + 8 digits	SI12345678
South Africa (ZA)	10 or 11 digits	1234567890
Spain (ES)	`ES` + 9 digits	ES123456789
Sweden (SE)	`SE` + 12 digits	SE123456789012
Switzerland (CH)	`CH` + 9 digits + `MWST` / `TVA` / `IVA`	CH123456789MWST
Thailand (TH)	13 digits	1234567890123
Turkey (TR)	`TR` + 10 digits	TR1234567890
Ukraine (UA)	9 or 12 digits	123456789
United Arab Emirates (AE)	15 digits	123456789012345
United Kingdom (GB)	`GB` + 9 digits	GB123456789

Note that Visa supports a predefined set of business identification types for specific countries and regions. This list does not cover every country in the world, because Visa only accepts identifier schemes that are standardized and validated for use with their tokenization service.If a merchant operates in a country that is not explicitly listed, a country-specific identifier type may not be available. In such cases, Visa may require the use of a generic Business Identification Number (BID); however, BID can only be used with prior approval from Visa. Merchants should use the primary tax or business registration identifier applicable in their country and consult their acquirer or Visa representative if their country is not listed.

Onboarding To Mastercard

The information that needs to be provided to Mastercard is stated below.

Information	Details	Example
Program Name	The program name represents an entity’s consumer-facing name (e.g. merchant name), where the consumer has stored their card on file.	Cool Tech
DPA Name	Legal name of registered DPA (Data Processing Agreement).	Cool Technologies Ltd
DPA Presentation Name	Merchant company name associated with the DPA to be used for presentation purposes within the user experience.	Cool Tech
Address City	City in the token requestor’s primary address. A string between 1-100 characters with alphabetic, numeric, or the following characters: spaces, ’ (single quote), . (period).	Berlin
Address Country	ISO 3166-1 alpha-2 two-letter country code.	DE
Address Legal Name	Legal name of Token Requestor. Alphanumeric, excepting semi-colon, percent sign, and parentheses.	Cool Technologies Ltd
Primary Website URL	The URL of the Token Requestor’s (merchant’s) website related to the payment transaction. It should include “https://“.	https://www.merchant.com

Once the onboarding process is completed, your Payrails representative will inform you, and you will be able to start provisioning network tokens.

Getting Started

Payment Orchestration

Token Vault

Analytics & Reporting

Fraud Management

Chargebacks

Monitoring

Resources

Use Cases

Introduction

Onboarding To Visa

Business Identification Type and Value

Onboarding To Mastercard

​Introduction

​Onboarding To Visa

​Business Identification Type and Value

​Onboarding To Mastercard

Introduction

Onboarding To Visa

Business Identification Type and Value

Onboarding To Mastercard