Barclays
Payout services enables businesses or government offices to
take advantage of Visa Direct and Mastercard MoneySend to deliver funds directly to a
recipient’s eligible Visa or Mastercard account.For details about authentication, see:
For field-level descriptions and request/response examples, see the
Barclays
REST API
Reference.For a quick tour of the
Barclays
REST API Reference, see this walkthrough
video.Unlike a purchase transaction, which debits a cardholder's account, Visa Direct and
Mastercard Send credit the cardholder's account. Funds are made available to the
recipient as quickly as within 30 minutes or a maximum of two business days, depending
on the recipient’s issuing bank.

You can implement Payouts services as part of the following types of business flows:
- Credit card bill payments are not the same as Visa Bill Pay.Credit card bill payment—originator enables customers to pay a credit card bill.
- Funds disbursements—originator sends funds to a recipient’s payment card account.
- Money transfer—originator enables customers to send funds to their own payment card account or to another person’s payment card account.
- Prepaid load—originator enables customers to load or reload funds to an eligible reloadable prepaid card.
No merchant goods are involved in Payouts transactions. To enable a person-to-person
money transfer, you first withdraw funds from the account the sender is using to fund
the transaction. One way to withdraw funds from a card account or debit account with a
linked payment card is using an Account Funding Transaction (AFT). Currently, the
Payouts service does not support AFTs.
IMPORTANT
You must screen senders and recipients using relevant watch lists
according to local laws and be compliant with all anti-money-laundering and
know-your-customer regulations.