Merchant Measurement Documentation

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Things to Know

The Merchant Measurement can be used by developers in the sandbox. To use the API in production, clients must be pre-approved by Visa. The Merchant Measurement API licensing agreement and approval process is available as part of Production Onboarding. Use of the service is subject to the use restrictions and other terms and conditions set forth in the applicable agreement.

For additional information, contact your Visa representative or email with the subject “Merchant Measurement Benchmark API”.

Visa does not make any warranty or representation as to the accuracy, timeliness or completeness of the information provided by the Merchant Measurement Benchmark API, nor does Visa assume any liability or responsibility for claims or damages that may result from reliance on such information. Users of this information should communicate directly with the business entity for verification of accuracy.


The following table lists the regional availability for Merchant Measurement. To view availability of all products, refer to the Availability Matrix.

Available in entire region

Limited availability in region

Not available

Product Name Availability Notes
Merchant Measurement
Product Name Availability Notes
Merchant Measurement Available in Australia, Hong Kong, New Zealand, Singapore, South Korea, Taiwan
Product Name Availability Notes
Merchant Measurement Available in Finland, Iceland, Malta, Republic of Ireland, Sweden, United Kingdom
Product Name Availability Notes
Merchant Measurement
Product Name Availability Notes
Merchant Measurement

Getting Started

Merchant Measurement provides insight into how well your merchant portfolios perform, by tracking sales metrics at multiple industry and geographic levels. You are also able to compare performance against many Visa card accepting locations. For example, by using an aggregated and deidentified transaction dataset, you can compare sales growth and chargeback performance.

Merchant Measurement lets clients access aggregated merchant data collected across the Visa network.

Group List

All metrics are assigned to a group, which must be specified in the Group List parameter for retrieval. When clients possess the requisite permission level, they can receive the metrics corresponding to the requested group.

Mixed Input

Users must always specify a Country in order to retrieve data. To retrieve data for the New York City postal code 10010, enter Country = US and postalCode = 10010.

Users cannot mix inputs from the following retrieval levels in the same request:

  • Merchant Category Group (MCG) Level and Merchant Category Code (MCC) Level
  • Metropolitan Statistical Area (MSA) Level and Postal Code Level
  • GroupList = Cardholder and accountFundingSource ≠ ALL
  • GroupList = Cardholder and platformID ≠ ALL
  • GroupList = Cardholder and eciIndicator ≠ ALL
  • GroupList = Cardholder and posEntryMode ≠ ALL
  • GroupList = Chargebacks and accountFundingSource ≠ ALL
  • GroupList = Chargebacks and platformID ≠ ALL
  • GroupList = Chargebacks and eciIndicator ≠ ALL
  • GroupList = Chargebacks and posEntryMode ≠ ALL


Merchant Category Code Limitations

All users are limited to requesting a maximum of 10 MCCs in a single request. Some MCCs due to the size of the categories are limited to only 2 per request. After completing the licensing agreement the user will be provided confirmation of the MCCs they are approved access to and any limitations.

Maximum Number of List Elements (in Arguments Accepting List Input)

Merchant Measurement product API arguments which accept list input.

merchantCategoryCodes  10
naicsCodes  3
countryList  1
countrySubdivisionList  3
msaList  3
accountFundingSource  6
platformID  4
eciIndicator 10
posEntryMode   6

Wildcard inputs and regular expression inputs are not supported in the Merchant Measurement Benchmark API.

How Does It Work?

Merchant Measurement is easy to use.  For example, you can:

  1. Submit a request that includes the parameters you would like to analyze, such as:
    1. Month
    2. Geography (Country, State/Province, Metropolitan Statistical Area (MSA) or Postal Code)
    3. Merchant Category Code (MCC) or Merchant Category Group (MCG) or NAICS Code
    4. Card Present, Card Not Present or Both
  2. Receive an aggregated list back based on your query. Merchant metrics could include:
    1. Sales Volume Growth – Year Over Year (YoY)
    2. Sales Transaction Growth – Year Over Year (YoY)
    3. Sales Volume Growth  – Month Over Month (MoM)
    4. Sales Transaction Growth - Month Over Month (MoM)
    5. Chargeback Growth to Sales Growth
    6. % of Spend from Outside the Merchant's Geography
    7. Average Card Transaction Frequency
  3. Review and analyze the data against your merchant portfolio.

Note: You can also run a report that queries the top 5 postal codes that generate the most business by dollar amount.

Why Use It?

Acquirers & Payment Service Providers

  • Compare the growth of your merchant portfolio locally or nationally.
  • Identify new industries or geographies to target for customer acquisition.
  • Improve your allocation of marketing spend based on insightful payments data.
  • Enhance your management of merchant processing based on local economic performance.
  • Compare merchant chargeback performance to nationwide and local benchmarks.
  • Share industry specific economic insights with your merchants.


  • Use geographic growth data to target new geographic territories for cardholder acquisition.
  • Improve your allocation of marketing spend based on national but granular card spend data.
  • Leverage regional level chargeback trends to determine fraud strategy.
  • Enhance your policies using regional macro-economic card spend data.
  • Incorporate sales growth into commercial real estate decisions.

Merchants & Merchant Servicers*

  • Assess how your store growth compares to industry growth in your trade area.
  • Evaluate new store locations using card-spend growth data.
  • Determine competitive e-commerce spend in your industry.
  • Determine where your primary cardholders spend--locally, regionally and internationally.
  • Benchmark the success of your chargeback handling against your competitive set.

Independent Developers*

  • Integrate data into solutions which are developed specifically for the payments industry.
  • Enhance industry research with spend data.

*Subject to Visa Approval

API Included

Merchant Measurement Benchmark API

The Merchant Measurement Benchmark API provides access to purchase trend data at industry and sector levels by using an aggregated and anonymous transaction dataset.