Clear and accurate statement descriptors are essential for providing a professional customer experience and reducing the risk of chargebacks or payment disputes. When customers see a charge they don't recognize, they are more likely to contact their bank to dispute it.

PayPack allows NetSuite merchants to customize how these charges appear on bank statements by configuring either a Static Statement Descriptor or a Statement Descriptor Suffix.

Options

Stripe (and therefore PayPack) provides two ways to define the text that appears on a customer's statement:

Static Statement Descriptor

This is a single, fixed string that appears for every transaction processed through that specific PayPack account. It is ideal if your business name is short and you want the same identifier for all payments.

• Total Length: 5 to 22 characters.

• Best For: Simple business models where the company name alone is sufficient for recognition.

Dynamic Statement Descriptor Suffix

A suffix allows you to provide transaction-specific information (e.g. PO #) appended to a static prefix.

• The Prefix: Set in your Stripe Dashboard. It is usually your business name (2 to 10 characters).
• The Suffix: Mapped in PayPack from a NetSuite field. Stripe combines these into the format: PREFIX* SUFFIX.
• Total Length: The combined Prefix + * + Space + Suffix must not exceed 22 characters.
• Best For: Merchants who want customers to see exactly which invoice or order they are paying for (e.g., ACME* INV-1042).

How to Configure

To set these values within NetSuite, follow these steps:

1. Navigate to PayPack → Setup → PayPack Configuration.
2. Select the Edit view for your active configuration record.
3. Locate the Stripe Settings tab (or the relevant mapping section).

4. To use a Static Descriptor:

   • Find the field labeled Stripe Statement Descriptor.
   • Enter the exact text you want to appear (e.g., Acme Corp).

5. To use a Dynamic Suffix:

   • Ensure you have a "Shortened Descriptor" (Prefix) set in your Stripe Dashboard.
   • In PayPack, find the field labeled Stripe Statement Descriptor Suffix.
   • Map this to a NetSuite field (like PO # or External ID) or enter a specific value.
6. Click Save.

Important Requirements & Constraints

To ensure your descriptors are accepted by Stripe and the card networks, adhere to the following rules:

• Character Limits: * Full Descriptor: Max 22 characters.

  • Suffix Prefix: 2 to 10 characters.

• Prohibited Characters: Do not use special characters such as <, >, \, ', ", or *.

• Content: The descriptor must reflect your "Doing Business As" (DBA) name, URL, or legal entity name. It cannot be purely a description of a product (e.g., "CLOTHING").

• Latin Characters Only: Descriptors must use standard Latin characters (unless processing specifically in Japan using Kanji/Kana support).

Best Practices

• Be Recognizable: Use the name customers associate with your website or store.

• Test with Suffixes: If using suffixes, keep your Stripe prefix short (e.g., 5–7 characters) to leave enough room for meaningful invoice numbers in the suffix.

• Monitor Disputes: If you notice an increase in "Unrecognized Charge" disputes, consider updating your descriptor to be more descriptive.

For more technical details on how Stripe handles these fields, visit the Stripe Statement Descriptor Documentation.