MID Configuration - Configurating and Verifying Payment Processor Details
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04/14/2026 16:30 PM
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Introduction
Proper configuration of your Merchant ID (MID) is essential for efficient transaction processing. The Visa Acceptance Platform (VAP) Portfolio Management enables clients to self-configure and manage processor details for their MIDs. This article outlines the process for configuring and verifying processor details in VAP, as well as the steps for clients not yet migrated to the platform. Key payment processor requirements are also provided.
A Merchant ID (MID) is a unique identifier assigned by the processor to identify the merchant account receiving funds. A Terminal ID (TID) is a unique identifier used to identify the specific source of a transaction, whether in a Card Present or Card Not Present (ecommerce) setup. Ensuring both identifiers are accurately configured in VAP is critical to successful payment processing and funding.
Applicability
This article applies to clients configuring or verifying processor details for MIDs within the Visa Acceptance Platform (VAP). It also applies to clients not yet migrated to VAP who need processor configuration assistance through Client Services.
This article does not apply to clients using processor configuration methods outside of VAP or Client Services onboarding workflows.
Procedure
For Clients Using VAP
- Log in to your Portfolio MID via the business center.
- Select the Portfolio Management section.
- Locate the relevant MID and review its processor specifications to ensure accuracy.
- Edit and update any discrepancies directly within the platform.
Note: If you lack permission to make changes, contact your administrator. - Consult the VAP Portfolio Management user guide or instructional YouTube videos for detailed instructions.
For Clients Not Yet on VAP
- Contact Client Services for processor configuration if you are not on VAP or do not have a Portfolio MID.
- Request a VAR sheet from your payment processor before contacting Client Services.
- Use the VAR sheet to complete the boarding form provided by Client Services.
- Submit the completed boarding form to Client Services for review and MID configuration.
Additional Guidance
- Refer to article 000002076 for guidance on contacting Client Services.
- Perform live tests on all accepted card types before going public to ensure proper funding.
- Review the "Payment Processors" section in Chapter 1 of the Credit Card Services Guide for a comprehensive list of supported payment processors.
Payment Processor Requirements
| Payment Processor | Key Requirements |
|---|---|
| FDC Nashville | Merchant ID (MID): 7 digits Terminal ID (TID): 7 digits Product ID: 818700 ICS Product Name Vendor ID: 187 Currency Code Direct Marketing: Yes |
| FDC Nashville Global | Merchant ID (MID): 12 digits Terminal ID (TID): 7 digits Merchant Category Code Currency Location Details Customer Service Phone |
| FDC South | Merchant ID (MID): 11 digits Merchant Category Code Tax ID VAT ID (if international) Service Numbers Bank Alliance Currency-specific MID |
| Global Payments / GPN East | Merchant ID (MID): up to 15 digits Merchant Bank ID Industry Code Country Code Postal Code |
| Paymentech (New Hampshire) | Division Number: 6 digits |
| TSYS / Vital | V-number Agent Bank / Chain Numbers Acquirer BIN Store / Terminal Numbers Merchant Details Terminal Type / Model Software |
| American Express / AMEX Direct | AMEX SE#: approximately 10 digits Merchant Name Address Customer Service Phone |
- Ensure all requested products are contracted for your portfolio. If they are not, contact your Sales or Account Manager.
- Do not go public with your processing until you have performed live tests on all accepted card types and have confirmed funding with your Merchant Service Provider.
Potential Client Questions
- What is a Merchant ID (MID) and why does it need to be configured?
- A Merchant ID (MID) is a unique identifier assigned by the processor to identify the merchant account receiving funds. Accurate MID configuration ensures that transactions are routed correctly and that funds are deposited to the right account.
- What is a Terminal ID (TID) and how is it different from a MID?
- A Terminal ID (TID) identifies the specific source of a transaction, whether from a physical point-of-sale terminal (Card Present) or an online channel (Card Not Present/ecommerce). The MID identifies the merchant account, while the TID identifies the transaction source within that account.
- What should I do if I do not have access to make changes in VAP?
- Contact your administrator to request the appropriate permissions to edit processor details within the VAP Portfolio Management section.
- What if I am not yet on VAP?
- Contact Client Services for processor configuration assistance. Before reaching out, request a VAR sheet from your payment processor and use it to complete the boarding form that Client Services will provide.
- Where can I find a list of supported payment processors and their requirements?
- Refer to the "Payment Processors" section in Chapter 1 of the Credit Card Services Guide for a comprehensive list.
- Can I go live before testing my configuration?
- No. You should not go public with processing until you have performed live tests on all accepted card types and confirmed funding with your Merchant Service Provider.
- What if a product I need is not available in my portfolio?
- Contact your Sales or Account Manager to ensure the required products are contracted for your portfolio before proceeding with configuration.
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