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Motor Vehicle Rental

Motor vehicle rental merchants operating under eligible MCCs can include rental-specific details directly on their transactions, such as pickup location, return date, and agreement number. Submitting this data qualifies transactions for lower interchange rates and helps avoid downgrades to costlier interchange tiers.

Requirements

  • Your business must operate under an eligible MCC.
  • Transactions must be captured within two days.

Eligible MCCs for Motor Vehicle Rental Data

MCCDescription
3351–3500Automobile/vehicle rentals
7512Automobile rental agency
7513Truck and utility trailer rentals
7519Motor home and recreational vehicle rentals

Motor Vehicle Rental Data Fields

The following fields are available under the additional_motor_vehicle_rental_data object on both Authorization and Transfer resources. All fields are optional for motor vehicle rental MCC transactions.

FieldDescriptionData Type
additional_motor_vehicle_rental_dataNested object containing all motor vehicle rental-specific fields. Optional for motor vehicle rental MCC transactions (MCC 3351–3500, 7512). Null for all other transactions.Object
motor_vehicle_rental_agreement_numberThe rental agreement or contract reference number for the rental. Max 9 characters; longer values are truncated.String
customer_service_numberThe phone number customers can call for support or inquiries related to their rental.String
extra_charge_detailsAdditional charges beyond the base rental rate being billed. Each field represents a specific charge type, in cents.Object
extra_charge_details.one_way_service_fee_amountThe amount of the additional charge, in cents.Integer
extra_charge_details.fuel_amountThe amount of the additional charge, in cents.Integer
extra_charge_details.extra_mileage_amountThe amount of the additional charge, in cents.Integer
extra_charge_details.late_return_amountThe amount of the additional charge, in cents.Integer
extra_charge_details.parking_violation_amountThe amount of the additional charge, in cents.Integer
extra_charge_details.insurance_amountThe amount of the additional charge, in cents.Integer
is_no_showAn indicator that the cardholder is being billed for a reserved vehicle that was not actually rented (that is, a "no-show" charge).Boolean
number_of_daysThe total number of days for the vehicle rental.Integer
pickup_addressThe full address of the rental pickup location.Object
pickup_dateThe scheduled vehicle pickup date.Object
return_addressThe full address of the vehicle return location.Object
return_dateThe scheduled vehicle return date. Must be on or after pickup_date.Object

Motor Vehicle Rental Transaction Flow using the API

Once you have a buyer Identity and Payment Instrument, include the additional_motor_vehicle_rental_data object in your request to pass rental details.

Create an Authorization with Motor Vehicle Rental Data

Include the additional_motor_vehicle_rental_data object in the request body to pass rental details at authorization time:

curl -i -X POST \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  https://finix.sandbox-payments-api.com/authorizations \
  -H 'Content-Type: application/json' \
  -H 'Finix-Version: 2022-02-01' \
  -d '{
    "additional_motor_vehicle_rental_data": {
      "motor_vehicle_rental_agreement_number": "RENT1xxxx",
      "customer_service_number": "8005551234",
      "extra_charge_details": {
        "one_way_service_fee_amount": 5000
      },
      "is_no_show": false,
      "number_of_days": 4,
      "pickup_address": {
        "line1": "123 Market St",
        "line2": null,
        "city": "San Francisco",
        "region": "CA",
        "postal_code": "94105",
        "country": "USA"
      },
      "pickup_date": {
        "month": 4,
        "day": 1,
        "year": 2026
      },
      "rental_rate": "7500",
      "renter_name": "John Smith",
      "return_address": {
        "line1": "456 Hollywood Blvd",
        "line2": "Suite 100",
        "city": "Los Angeles",
        "region": "CA",
        "postal_code": "90028",
        "country": "USA"
      },
      "return_date": {
        "month": 4,
        "day": 4,
        "year": 2026
      }
    },
    "amount": 35000,
    "currency": "USD",
    "merchant": "MUmfEGv5bMpSJ9k5TFRUjkmm",
    "source": "PIkxmtueemLD6dN9ZoWGHT44",
    "tags": {
      "order_number": "RENTAL-2026-001"
    }
  }'

additional_motor_vehicle_rental_data is not required at capture time (PUT /authorizations/{id}). The motor vehicle rental data is automatically inherited from the original Authorization.

Authorization Response

{
  "id": "AUmFm6HiHMHr9EsYpbEA4Uhi",
  "created_at": "2026-06-25T23:08:46.46Z",
  "updated_at": "2026-06-25T23:08:46.46Z",
  "amount": 35000,
  "amount_requested": 35000,
  "currency": "USD",
  "state": "SUCCEEDED",
  "failure_code": null,
  "failure_message": null,
  "additional_motor_vehicle_rental_data": {
    "motor_vehicle_rental_agreement_number": "RENT1xxxx",
    "customer_service_number": "8005551234",
    "extra_charge_details": {
      "one_way_service_fee_amount": 5000
    },
    "is_no_show": false,
    "number_of_days": 4,
    "pickup_address": {
      "line1": "123 Market St",
      "line2": null,
      "city": "San Francisco",
      "region": "CA",
      "postal_code": "94105",
      "country": "USA"
    },
    "pickup_date": {
      "month": 4,
      "day": 1,
      "year": 2026
    },
    "rental_rate": "7500",
    "renter_name": "John Smith",
    "return_address": {
      "line1": "456 Hollywood Blvd",
      "line2": "Suite 100",
      "city": "Los Angeles",
      "region": "CA",
      "postal_code": "90028",
      "country": "USA"
    },
    "return_date": {
      "month": 4,
      "day": 4,
      "year": 2026
    }
  },
  "additional_purchase_data": null,
  "additional_healthcare_data": null,
  "additional_lodging_data": null,
  "application": "APc9vhYcPsRuTSpKD9KpMtPe",
  "expires_at": "2026-07-02T23:08:46.46Z",
  "is_void": false,
  "merchant": "MUmfEGv5bMpSJ9k5TFRUjkmm",
  "merchant_identity": "ID6UfSm1d4WPiWgLYmbyeo3H",
  "network_details": {
    "brand": "VISA",
    "authorization_code": "978203"
  },
  "source": "PIkxmtueemLD6dN9ZoWGHT44",
  "tags": {
    "order_number": "RENTAL-2026-001"
  },
  "trace_id": "f30f3eed-447a-4cfd-b961-8a2c00809829",
  "transfer": null,
  "void_state": "UNATTEMPTED",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/authorizations/AUmFm6HiHMHr9EsYpbEA4Uhi"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe"
    },
    "merchant_identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/ID6UfSm1d4WPiWgLYmbyeo3H"
    }
  }
}

Create a Transfer with Motor Vehicle Rental Data

Visa cards qualify for lower interchange rates only when using the authorization and capture flow. If you submit a Transfer (e.g. Sale) with Visa, the transaction will not receive the reduced interchange rate.

The same additional_motor_vehicle_rental_data object is supported on direct Transfer creation:

curl -i -X POST \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  https://finix.sandbox-payments-api.com/transfers \
  -H 'Content-Type: application/json' \
  -H 'Finix-Version: 2022-02-01' \
  -d '{
    "additional_motor_vehicle_rental_data": {
      "motor_vehicle_rental_agreement_number": "RENT1xxxx",
      "customer_service_number": "8005551234",
      "extra_charge_details": {
        "one_way_service_fee_amount": 5000
      },
      "is_no_show": false,
      "number_of_days": 4,
      "pickup_address": {
        "line1": "123 Market St",
        "line2": null,
        "city": "San Francisco",
        "region": "CA",
        "postal_code": "94105",
        "country": "USA"
      },
      "pickup_date": {
        "month": 4,
        "day": 1,
        "year": 2026
      },
      "rental_rate": "7500",
      "renter_name": "John Smith",
      "return_address": {
        "line1": "456 Hollywood Blvd",
        "line2": "Suite 100",
        "city": "Los Angeles",
        "region": "CA",
        "postal_code": "90028",
        "country": "USA"
      },
      "return_date": {
        "month": 4,
        "day": 4,
        "year": 2026
      }
    },
    "amount": 35000,
    "currency": "USD",
    "merchant": "MUmfEGv5bMpSJ9k5TFRUjkmm",
    "source": "PIkxmtueemLD6dN9ZoWGHT44"
  }'

Transfer Response

{
  "id": "TRtcWvZT9EGKDLnTuhHdV7zu",
  "created_at": "2026-06-25T23:09:04.61Z",
  "updated_at": "2026-06-25T23:09:04.61Z",
  "amount": 35000,
  "amount_requested": 35000,
  "currency": "USD",
  "state": "SUCCEEDED",
  "type": "DEBIT",
  "failure_code": null,
  "failure_message": null,
  "additional_motor_vehicle_rental_data": {
    "motor_vehicle_rental_agreement_number": "RENT1xxxx",
    "customer_service_number": "8005551234",
    "extra_charge_details": {
      "one_way_service_fee_amount": 5000
    },
    "is_no_show": false,
    "number_of_days": 4,
    "pickup_address": {
      "line1": "123 Market St",
      "line2": null,
      "city": "San Francisco",
      "region": "CA",
      "postal_code": "94105",
      "country": "USA"
    },
    "pickup_date": {
      "month": 4,
      "day": 1,
      "year": 2026
    },
    "rental_rate": "7500",
    "renter_name": "John Smith",
    "return_address": {
      "line1": "456 Hollywood Blvd",
      "line2": "Suite 100",
      "city": "Los Angeles",
      "region": "CA",
      "postal_code": "90028",
      "country": "USA"
    },
    "return_date": {
      "month": 4,
      "day": 4,
      "year": 2026
    }
  },
  "application": "APc9vhYcPsRuTSpKD9KpMtPe",
  "fee": 0,
  "fee_profile": "FPuizPqrhzYLbmJm88u7aqfj",
  "merchant": "MUmfEGv5bMpSJ9k5TFRUjkmm",
  "merchant_identity": "ID6UfSm1d4WPiWgLYmbyeo3H",
  "network_details": {
    "brand": "VISA",
    "authorization_code": "601883",
    "acquirer_reference_number": null
  },
  "operation_key": "CARD_NOT_PRESENT_SALE",
  "ready_to_settle_at": "2026-06-26T23:09:04.61Z",
  "source": "PIkxmtueemLD6dN9ZoWGHT44",
  "statement_descriptor": "FLX*FINIX FLOWERS",
  "tags": {},
  "trace_id": "c589c75f-3293-436f-88e0-3d3cd4a6195c",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TRtcWvZT9EGKDLnTuhHdV7zu"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe"
    },
    "merchant_identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/ID6UfSm1d4WPiWgLYmbyeo3H"
    },
    "payment_instruments": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TRtcWvZT9EGKDLnTuhHdV7zu/payment_instruments"
    },
    "reversals": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TRtcWvZT9EGKDLnTuhHdV7zu/reversals"
    },
    "fees": {
      "href": "https://finix.sandbox-payments-api.com/fees?linked_to=TRtcWvZT9EGKDLnTuhHdV7zu"
    },
    "disputes": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TRtcWvZT9EGKDLnTuhHdV7zu/disputes"
    },
    "source": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIkxmtueemLD6dN9ZoWGHT44"
    },
    "fee_profile": {
      "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPuizPqrhzYLbmJm88u7aqfj"
    }
  }
}