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Payouts
 Developer Guide

This section describes how to use this guide and where to find further information.

Audience and Purpose

This document is written for developers who want to use the
Cybersource
 APIs to integrate
Cybersource
Payouts
 services into their transaction management system.

Conventions

This statement is used in this document:
IMPORTANT
An
Important
 statement contains information essential to successfully completing a task or learning a concept.

Related Documentation

Visit the
Cybersource
 documentation hub on the Cybersource Developer Center for links to further documentation resources.

Customer Support

For support information about any service, visit the Support Center:

Recent Revisions to This Document

26.06.01

This revision contains only editorial changes and no technical updates.

25.08.01

This revision contains only editorial changes and no technical updates.

25.05.01

This revision contains only editorial changes and no technical updates.

24.11.01

Made updates throughout guide.

24.09.01

Updated terminology from
client token
 to
customer token
.

24.06.01

Reorganized the document.

Introduction to
Payouts

The
Payouts
 service transfers funds from one account to another account using this two-step transaction process:
  1. An
    account funding transaction
     (AFT) withdraws funds from a sender’s account using standard credit card processing.
  2. An
    original credit transaction
     (OCT) deposits the funds into a recipient’s account.
An AFT and OCT are independent transactions, however, an AFT often precedes a corresponding OCT.
During standard payment transactions, you initiate debits and credits to receive payments from cardholders for your goods and services. With
Payouts
, you provide a money transfer service by initiating AFT and OCT transactions that move funds between accounts. These are the money transfer types:
  • An
    account-to-account
     payment transfers funds between accounts owned by the same person.
  • A
    business-to-person
     payment transfers funds between a merchant and a cardholder.
  • A
    person-to-person
     payment transfers funds between two cardholders.
For a person-to-person funds transfer, Pull and Push services are executed. When an AFT is authorized for a person-to-person transaction, the funds are available and can be withdrawn from the sender's account. This service is known as a
Pull
 service. A subsequent OCT is authorized, and the funds are deposited into the recipient's account. This service is known as a
Push
 service.
The
Payouts
 system ensures that both Pull and Push services are executed efficiently, providing a seamless experience for users. By leveraging
Payouts
, businesses and individuals can streamline their financial operations, making transactions more efficient and reliable.
No merchant goods are involved in
Payouts
 transactions.
IMPORTANT
You must receive approval from
your processor
before using the AFT service. Contact
your processor
 to register for the AFT program.

Relaxed Requirements for Address Data and Expiration Date for AFTs

You can have your
Cybersource
 account configured to enable relaxed requirements for address data and expiration date in your AFT request.
Relaxed Requirements for Address Data
Address Verification Service (AVS) compares portions of the billing address from the request message with address data on file at the issuing bank. Results are returned for the street address and for the postal code. Relaxed requirements for address data allow you to make address fields that are normally required, such as billing address, optional in your transaction request.
Relaxed Requirements for Expiration Date
The card expiration month and year from the request message are compared with the card expiration date on file at the issuing bank. Relaxed requirements for expiration date allow you to make expiration date fields optional in your transaction request.
To enable relaxed requirements for address data and expiration date, contact customer support to configure your account for this feature.

Supported Recipient Card Types, Currencies, and Transactions

The recipient card type for OCT is Visa.
Recipient card type for AFTs:
  • Mastercard
  • Visa

Payment Network

Barclays
,
Chase Paymentech Solutions
,
FDC Compass
, and
Visa Platform Connect
Visa Direct
The Visa Direct payment network provides these functions for
Payouts
:
  • Enhanced message types for OCTs.
  • Account funding transactions (AFTs), which provide funds for OCTs.
  • Processes, policies, and underlying operating regulations and mandates for issuers and acquirers.
Mastercard Send
The Mastercard Send payment network transfers funds to Mastercard products. Mastercard Send enables customers to move funds quickly and safely and receive disbursements from businesses and governments.

Overview

The
Payouts
 service transfers funds from one account to another using a two-step transaction process:
  • An account funding transaction (AFT) withdraws funds from a sender’s account using standard credit card processing.
  • An original credit transaction (OCT) deposits funds into a recipient’s account.
An AFT and OCT are independent transactions, though an AFT often precedes a corresponding OCT.
In typical payment transactions, you initiate debits and credits to receive payments from cardholders for your goods and services. With
Payouts
, you provide a money transfer service by initiating AFT and OCT transactions that move funds between accounts. These are the money transfer types:
  • An account-to-account payment moves funds between accounts owned by the same person.
  • A business-to-person payment moves funds between a merchant and a cardholder.
  • A person-to-person payment moves funds between two cardholders.
For a person-to-person funds transfer, Pull and Push services are executed. When an AFT is authorized for a person-to-person transaction, the funds are available and can be withdrawn from the sender's account. This service is referred to as a Pull service. A subsequent OCT is authorized, and the funds can deposited into the recipient's account. This service is referred to a Push service.
The
Payouts
 system ensures that both Pull and Push services are executed efficiently, providing a seamless experience for users. By leveraging
Payouts
, businesses and individuals can streamline their financial operations, making transactions more efficient and reliable.
No merchant goods are involved in
Payouts
 transactions.
IMPORTANT
You must receive approval from
your processor
before using the AFT service. Contact
your processor
 to register in the AFT program.

AFT Types

The Account Funding Transaction (AFT) is a specific type of transaction that moves funds from a Visa account to another Visa or non-Visa account. It is primarily used for loading or topping up prepaid card accounts, transferring funds into another financial account (like a savings account), acting as a funding source for person-to-person (P2P) money transfers, or loading third-party digital wallets. AFTs cannot be used for purchasing goods or services or transferring funds to a merchant account.
AFTs are the required transactions to load or top-up prepaid cards in all regions. An AFT is the required pull transaction to be used for disbursing payroll funds, P2P or me-to-me transactions, and pre-funding a customer's digital wallet in a card-not-present environment. When used independently to fund another Visa or non-Visa account, AFTs must be used only to fund an account belonging to the same individual or entity holding the Visa account.

Reversal and Adjustment Transactions

You can reverse an AFT within the first 24 hours of the original transaction before the transaction settles.
You can refund an AFT back to the sender's card within 30 days of the original AFT back to the sender's card. You cannot originate a refund if the original transaction is over 30 days old. The system accepts a refund after the original AFT settles.
IMPORTANT
Issuers can manage AFT refunds as credit adjustments instead of posting the transaction directly into the cardholder's account. Therefore, the timeframe for when the cardholder should expect the refund will vary by issuer.

Relaxed Requirements for Address Data and Expiration Date for AFTs

You can have your
Cybersource
 account configured to enable relaxed requirements for address data and expiration date in your AFT request.
Relaxed Requirements for Address Data
Address Verification Service (AVS) compares portions of the billing address from the request message with address data on file at the issuing bank. Results are returned for the street address and for the postal code. Relaxed requirements for address data allow you to make address fields that are normally required, such as billing address, optional in your transaction request.
Relaxed Requirements for Expiration Date
The card expiration month and year from the request message are compared with the card expiration date on file at the issuing bank. Relaxed requirements for expiration date allow you to make expiration date fields optional in your transaction request.
To enable relaxed requirements for address data and expiration date, contact customer support to configure your account for this feature.

Supported Recipient Card Types, Currencies, and Transactions

The recipient card type for OCT is Visa.
Recipient card type for AFTs:
  • Mastercard
  • Visa
These currencies are supported:
GBP and
USD

Account Funding Transactions

The Account Funding Transaction (AFT) enables the transfer of funds between a payment card and another account, including other payment cards. When used independently, an AFT can only transfer funds between accounts owned by the same person or business entity. An AFT is not intended to pay for goods and services, fund a merchant account, or repay debts.
IMPORTANT
You must receive approval from before using the AFT services. Contact to register in the AFT program.

AFT Transaction Types

The Account Funding Transaction (AFT) is a specific type of transaction that moves funds from a Visa account to another Visa or non-Visa account. It is primarily used for:
  • Loading or topping up prepaid card accounts.
  • Transferring funds into another financial account, such as a savings account.
  • Acting as a funding source for person-to-person (P2P) money transfers.
  • Loading third-party digital wallets.
You cannot use an AFT for purchasing goods or services or transferring funds to a merchant account.
AFTs are the required transactions to load or top-up prepaid cards in all regions. An AFT is the required pull transaction to be used for disbursing payroll funds, P2P or me-to-me transactions, and pre-funding a customer's digital wallet in a card-not-present environment. When used independently to fund another Visa or non-Visa account, AFTs must be used only to fund an account belonging to the same individual or entity holding the Visa account.

Reverse or Adjust AFT Transactions

You can reverse an AFT within the first 24 hours of the original transaction before the transaction settles.
You can refund an AFT back to the sender's card within 30 days of the original AFT. You cannot originate a refund if the original transaction is over 30 days old. The system accepts a refund after the original AFT settles.
IMPORTANT
Issuers can manage AFT refunds as credit adjustments instead of posting the transaction directly into the cardholder's account. Therefore, the time-frame for when the cardholder should expect the refund will vary by issuer.

Process an AFT with a Visa Card

Payouts
 uses the authorization service to support AFTs. An AFT withdraws funds from a sender’s account.
IMPORTANT
You must receive prior approval from
Barclays
 before using the AFT services. Contact
Barclays
 to register with the AFT program.

Endpoint

Production:
POST
https://api.cybersource.com
/pts/v2/payments
Test:
POST
https://apitest.cybersource.com
/pts/v2/payments

Required Fields for Performing an AFT with Visa

These fields are required in a request for an authorization for an AFT:
Required except when your account is configured for relaxed requirements for address data and expiration date.
Set to
true
.
These are the values when using a Visa card type:
  • AA
    : Account-to-account, sender and recipient are the same person
  • FT
    : Funds transfer where OCT not available
  • TU
    : Top up - prepaid load
  • WT
    : When AFT is used to fund a staged digital wallet
processingInformation.purposeOfPayment
Required for all cross-border transactions into and out of Canada. Also required for cross-border AFTs into Australia, New Zealand, and the South Pacific.
Required for all cross-border money and non-money transfer transactions into and out of Canada.
For the US and Canada, must be a valid two character state code.
Required for all cross-border money and non-money transfer transactions into and out of Canada.
Required for all cross-border money and non-money transfer transactions into and out of Canada.
Required with Visa when transactions are in the US or Canada. Field is optional for countries outside of the US and Canada.
Required for all cross-border money transfer AFTs.

Optional Fields for Performing an AFT with Visa

You can include these optional fields in an authorization request for an AFT:
orderInformation.amountDetails.foreignExchangeFee
This field is supported only for cross-border transactions. A cross-border transaction is a transaction for which the payment card is issued in one country and accepted by a merchant in another country.
orderInformation.billTo.locality
processingInformation.commerceIndicator
Set this field to
internet
,
MOTO
, or a 3D-Secure value.
recipientInformation.lastName
recipientInformation.middleName
senderInformation.lastName

REST Example: Performing an AFT with Visa

Request: Authorization Service for an AFT with Visa
Visa Example: Consumer funding an account-to account transfer when the sender and recipient are the same person.
{
  "clientReferenceInformation": {
    "code": "RTS-AFT3-8"
  },
  "processingInformation": {
    "capture": true,
    "businessApplicationId": "AA",
    "commerceIndicator": "vbv",
    "authorizationOptions": {
      "ignoreAvsResult": true,
      "ignoreCvResult": false,
      "aftIndicator": true
    }
  },
  "paymentInformation": {
    "card": {
      "number": "4111111111111111",
      "expirationMonth": "03",
      "expirationYear": "2025",
      "type": "001",
      "securityCode": "351"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "28.00",
      "currency": "GBP"
    },
    "billTo": {
      "firstName": "Joe",
      "lastName": "Root",
      "middleName": "S",
      "address1": "34 Orchard Grove",
      "locality": "Southampton",
      "postalCode": "DE6 1BE",
      "country": "GB",
      "email": "test@cybs.com"
    }
  },
  "senderInformation": {
    "firstName": "Joe",
    "lastName": "Root",
    "middleName": "S",
    "address1": "34 Orchard Grove",
    "locality": "Southampton",
    "countryCode": "GB"
  },
  "recipientInformation": {
    "accountId": "4929421234600821",
    "firstName": "Ben",
    "lastName": "Stokes",
    "middleName": "A"
  },
    "consumerAuthenticationInformation": {
    "cavv": "EHuWW9PiBkWvqE5juRwDzAUFBAk=",
    "paresStatus": "Y"
  }
}
Response: Authorization Service for an AFT with Visa
{
  "_links": {
    "void": {
      "method": "POST",
      "href": "/pts/v2/payments/7285727331066440604951/voids"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/7285727331066440604951"
    }
  },
  "clientReferenceInformation": {
    "code": "RTS-AFT3-8"
  },
  "id": "7285727331066440604951",
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "28.00",
      "authorizedAmount": "28.00",
      "currency": "GBP"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "pointOfSaleInformation": {
    "terminalId": "90011645"
  },
  "processorInformation": {
    "merchantNumber": "6637599",
    "approvalCode": "475034",
    "cardVerification": {
      "resultCodeRaw": "1",
      "resultCode": "P"
    },
    "merchantAdvice": {
      "code": "00",
      "codeRaw": "0"
    },
    "networkTransactionId": "000000000474740",
    "transactionId": "000000000474740",
    "responseCode": "0",
    "avs": {
      "code": "I",
      "codeRaw": "11"
    }
  },
  "reconciliationId": "7024464528",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2024-10-10T15:05:35Z"
}

Process an AFT with a Mastercard

Payouts
 uses the authorization service to support AFTs. An AFT withdraws funds from a sender’s account.
IMPORTANT
You must receive prior approval from
Barclays
 before using the AFT services. Contact
Barclays
 to register with the AFT program.

Endpoint

Production:
POST
https://api.cybersource.com
/pts/v2/payments
Test:
POST
https://apitest.cybersource.com
/pts/v2/payments

Required Fields for Performing an AFT with Mastercard

These fields are required in a request for an authorization for an AFT:
Set to
true
.
These are the values when using a Mastercard card type. The
recipientInformation.accountType
 field must align with Business Application Identifier value.
  • AA
    : Account-to-account, sender and recipient are the same person.
    recipientInformation.accountType
     must be either 01, 02, 03 or 06
  • FT
    : Funds transfer where OCT not available. The
    recipientInformation.accountType
     must be either 00, 01, 02, 03 or 06.
  • PD
    : Payroll disbursement. The
    recipientInformation.accountType
     field must be 03.
  • TU
    : Top up - prepaid load. The
    recipientInformation.accountType
     field must be either 01, 02, 03 or 06.
  • WT
    : When AFT is used to fund a staged digital wallet. The
    recipientInformation.accountType
     must be either 00, 01, 02, 03, 06 or absent.
Only these codes are permitted with Mastercard:
  • 00: Other
  • 01: Routing transit number (RTM) and bank account
  • 02: IBAN
  • 03: Card account
  • 06: Bank account number (BAN) and Bank identification number code (BIC)

Related Information

Optional Fields for Performing an AFT with Mastercard

You can include these optional fields in an authorization request for an AFT:
orderInformation.amountDetails.foreignExchangeFee
This field is supported only for cross-border transactions. A cross-border transaction is a transaction for which the payment card is issued in one country and accepted by a merchant in another country.
orderInformation.amountDetails.serviceFeeAmount
This field is supported only for cross-border transactions. A cross-border transaction is a transaction for which the payment card is issued in one country and accepted by a merchant in another country.
orderInformation.billTo.locality
processingInformation.commerceIndicator
Set this field to
internet
,
MOTO
, or a 3D-Secure value.
recipientInformation.lastName
recipientInformation.middleName
senderInformation.locality
senderInformation.middleName

REST Example: Performing an AFT with Mastercard

Request: Authorization Service for an AFT with Mastercard
Mastercard Example: Consumer funding an account-to-account transfer when the sender and recipient are the same person.
{
  "clientReferenceInformation": {
    "code": "RTS-AFT3-8"
  },
  "processingInformation": {
    "capture": true,
    "businessApplicationId": "AA",
    "commerceIndicator": "spa",
    "authorizationOptions": {
      "ignoreAvsResult": true,
      "ignoreCvResult": false,
      "aftIndicator": true
    }
  },
  "paymentInformation": {
    "card": {
      "number": "5454545454545454",
      "expirationMonth": "03",
      "expirationYear": "2025",
      "type": "002",
      "securityCode": "351"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "28.00",
      "currency": "GBP"
    },
    "billTo": {
      "firstName": "Joe",
      "lastName": "Root",
      "middleName": "S",
      "address1": "34 Orchard Grove",
      "locality": "Southampton",
      "postalCode": "DE6 1BE",
      "country": "GB",
      "email": "test@cybs.com"
    }
  },
  "senderInformation": {
    "firstName": "Joe",
    "lastName": "Root",
    "middleName": "S",
    "address1": "34 Orchard Grove",
    "locality": "Southampton",
    "countryCode": "GB"
  },
  "recipientInformation": {
    "accountId": "4929421234600821",
    "accountType": "03",
    "firstName": "Ben",
    "lastName": "Stokes",
    "middleName": "A",
    "address1": "1 High Street",
    "country": "GB"
  },
    "consumerAuthenticationInformation": {
    "ucafAuthenticationData": "EHuWW9PiBkWvqE5juRwDzAUFBAk=",
    "ucafCollectionIndicator": "2"
  }
}
Response: Authorization Service for an AFT with Mastercard
{
  "_links": {
    "void": {
      "method": "POST",
      "href": "/pts/v2/payments/7285727331066440604951/voids"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/7285727331066440604951"
    }
  },
  "clientReferenceInformation": {
    "code": "RTS-AFT3-8"
  },
  "id": "7285727331066440604951",
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "28.00",
      "authorizedAmount": "28.00",
      "currency": "GBP"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "002"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "002"
    },
    "card": {
      "type": "002"
    }
  },
  "pointOfSaleInformation": {
    "terminalId": "90011645"
  },
  "processorInformation": {
    "merchantNumber": "6637599",
    "approvalCode": "475034",
    "cardVerification": {
      "resultCodeRaw": "1",
      "resultCode": "P"
    },
    "merchantAdvice": {
      "code": "00",
      "codeRaw": "0"
    },
    "networkTransactionId": "000000000474740",
    "transactionId": "000000000474740",
    "responseCode": "0",
    "avs": {
      "code": "I",
      "codeRaw": "11"
    }
  },
  "reconciliationId": "7024464528",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2024-10-10T15:05:35Z"
}

Original Credit Transactions (OCTs)

Original Credit Transactions deliver funds to a recipient's eligible accounts in real-time. OCTs are the second step in transferring funds from an sender to a receiver.

Original Credit Transactions (OCTs)

An OCT deposits funds into a recipient’s account.

Endpoint

Production:
POST
https://api.cybersource.com
/pts/v2/payouts
Test:
POST
https://apitest.cybersource.com
/pts/v2/payouts

REST Example: OCT Request

Request: Authorization Service for an OCT

{
   "clientReferenceInformation":{
      "code":"123456789"
   },
   "orderInformation":{
      "amountDetails":{
         "totalAmount":"100.00",
         "currency":"USD"
      }
   },
   "processingInformation":{
      "businessApplicationId":"FD"
   },
   "paymentInformation":{
      "card":{
         "number":"4111111111111111",
         "expirationMonth":"12",
         "expirationYear":"2025"
      }
   }
}
Response: Authorization Service for an OCT
{
    "clientReferenceInformation": {
        "code": "123456789"
    },
    "id": "6213507771386164004005",
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "100.00",
            "currency": "USD"
        }
    },
    "processorInformation": {
        "approvalCode": "100",
        "responseCode": "0"
    },
    "status": "ACCEPTED",
    "submitTimeUtc": "2021-05-18T151257Z"
}

Reference Information

This section provides helpful reference information for using
Payouts
 services.

Business Application Identifier

The Business Application Identifier (BAI) identifies the category of the Account Funding Transaction (AFT).
All acquirers, service providers, and merchants must submit a valid BAI value when submitting an AFT.
Provide one of the values when you send field
processingInformation.businessApplicationId
.
IMPORTANT
Ensure that your acquirer has a Merchant Category Code (MCC) that corresponds with the BAI value you are using. For more information, contact your acquirer.
Business Application Identifier Values
BAI Value
Category
Requirements
AA
Account-to-Account Money transfer. This value is for funding the cardholder's own account at the same or a different financial institution. Both accounts must be owned by the same person or entity.
IMPORTANT
If funding a prepaid account, do not use this value. Use
TU
 instead.
For Mastercard transactions, the
recipientInformation.accountType
 field must match the BAI value and must be either
01
,
02
,
03
, or
06
.
FT
Funds Transfer
If the funds will be used for a high-brand risk transaction, the applicable high-brand risk MCC must be used. If a wallet is used to purchase Liquid and Cryptocurrency assets, the applicable special condition indicator must be used.
For Mastercard transactions, the
recipientInformation.accountType
 field must match the BAI value and must be either
00
,
01
,
02
,
03
, or
06
.
PD
Payroll Disbursement
For Mastercard transactions, the
recipientInformation.accountType
 field must match the BAI value and must be
06
.
TU
Prepaid Card Load or Top-Up
For Mastercard transactions, the
recipientInformation.accountType
 field must match the BAI value and must be either 01, 02, 03, or 06.
WT
Staged Digital Wallet (SDW) Transfer
If the funds will be used for a high-brand risk transaction, the applicable high-brand risk MCC must be used. If the funds are used for a gambling transaction, the applicable gambling MCC must be used. If a wallet is used to purchase Liquid and Cryptocurrency assets, the applicable special condition indicator must be used. An AFT is not intended for debt repayment.
For Mastercard transactions, the
recipientInformation.accountType
 field must match the BAI value and must be either
00
,
01
,
02
,
03
,
06
, or absent.

Recipient Account

The Sender Source field identifies the source of funds. Provide one of the values when you send field
recipientInformation.accountType
.
Recipient Account Values
Value
Definition
00
Other
01
RNT and Bank Account
02
IBAN
03
Card Account
06
Bank account number (BAN) and Bank Identification Code (BIC)

Original Credit Transactions

The Original Credit Transaction (OCT) is a transaction that delivers funds directly to a recipient's eligible Visa card. You cannot use OCTs alone to buy goods or services, except in Request to Pay Consumer-to-Small-Business (C2B) cases. OCTs do not allow merchandise return credits or refunds, except by exception or according to Visa rule #0008771.
IMPORTANT
You must differentiate between OCT processing and merchandise credit refund processing. If you do not, it could lead to issues such as the reversal of reward points.
These are some of the OCT services:
  • Money Transfer
  • Funds Disbursement
  • Merchant Settlement
  • Digital Wallets
  • Real-Time Deposit/Check Deposit
  • Loyalty and Offers
  • Prepaid Load
  • Credit Card Bill Payment

Money Transfer

Money transfers enable customers to send funds to their Visa account or another customer's Visa account.

Funds Disbursement

Fund disbursements enable government entities or corporations to send funds to a Visa account, such as:
  • Insurance claims
  • Corporate and manufacturing rebates
  • Affiliate and contractor payouts
  • Expense reimbursements
  • Government disbursements (such as value-added tax refunds)
  • Online gambling and lottery payouts.
IMPORTANT
Fund disbursement availability is dependent on your country's and region's laws, current Visa policy, and the Visa rules.

Merchant Settlement

This services allows acquirers or third-party service providers to speed up settlement payments between acquirers or payment facilitators and you.

Digital Wallets

This service enables faster payments through digital or electronic wallet services. You can move funds out of a digital wallet and deliver them to a cardholder's Visa account. This is considered a Money Transfer transaction for risk-control purposes in the Visa processing network. A Staged Digital Wallet (SDW) functions as a brand acceptance mark.
IMPORTANT
Contact your Visa representative for more information and requirements on digital wallets. For more details on digital wallet transactions, visit the Staged Digital Wallet Operators (SDWO) section at Visa Access (Visa Online).

Real-Time Deposit/Check Deposit

This service converts a check into a digital payment delivered to a cardholder's Visa account.

Loyalty and Offers

This service pays a loyalty reward or merchant offer onto a card using OCT as part of a loyalty program.

Prepaid Load

This service enables customers to add value to an eligible Visa reloadable prepaid card.
IMPORTANT
The US market currently supports a separate prepaid load service called Visa ReadyLink. For more information on Visa ReadyLink, contact your Visa representative.

Credit Card Bill Payment

This service enables consumers to pay a credit card bill.
IMPORTANT
When using OCT supported by Visa Direct, you can only use Visa data, like transaction data, reports, and the Visa Direct Account Lookup (ACNL), to operate the Visa program. You cannot use this data for any other purpose.

Visa Card Types and Services for OCTs

Visa card types include reloadable prepaid, deferred debit, debit, credit, and combo cards, each with specific OCT functionalities. OCTs can increase balances or serve as payments, depending on the card type and account setup. These services apply to both domestic and cross-border transactions, supporting money transfers, funds disbursement, prepaid loads, and credit card bill payments.

Visa Card Types

These are the different Visa card types, descriptions, and examples:
Visa Reloadable Prepaid
An OCT to an eligible Visa prepaid card increases the prepaid card balance.
If the prepaid card balance is 25 USD and the OCT received is for 100 USD, the new prepaid balance is 125 USD.
Visa Deferred Debit
Deferred Debit cards have a line of credit and an underlying bank account. An OCT to a Visa Deferred Debit card deposits funds into the underlying account when both the line of credit and underlying account are with the same bank. If the Deferred Debit card underlying account is with a different bank than the line of credit, post the funds to the card account.
If the underlying account has a balance of 800 USD and an OCT for 100 USD is received to the card, the new account balance is 900 USD. The credit balance owed on the card is not impacted by the receipt of the OCT. If the card has a balance owed of 200 USD and an OCT for 100 USD is received, the payment of USD 100 will be posted to the credit account. The new outstanding balance would be USD 100.
Visa Debit
An OCT to a Visa debit card increases the balance of the underlying bank account associated with the Visa debit card.
If the card balance is 800 USD and the OCT received is for 100 USD, the new account balance is 900 USD.
Visa Credit
An OCT to a Visa credit card serves as a payment to the account.
If the amount owed on the card is 800 USD and an OCT for 100 USD is received to the card, a payment of USD 100 will be posted to the account. The new outstanding balance is 700 USD.
Visa Combo Card (Brazil)
Combo cards allow cardholders to use credit or debit functionality during a transaction. An OCT to a Visa Combo card processed as debit increases the balance of the underlying deposit account linked to the card.
The credit balance owed on the card is not impacted by the receipt of the OCT. Funds are applied only to the debit balance in the deposit account. Do not present the OCT for combo cards as credit using the proper values.
If the deposit account linked to the card has a balance of 800 USD, and an OCT for 100 USD is received to the account, the new account balance is USD 900.

OCT Services

See the table for an overview of Visa's Original Credit Transaction (OCT) services, key features and benefits:
OCT Services
Destination Visa Account Types
Visa Credit
Destination Visa Account Types
Visa Debit
Destination Visa Account Types
Visa Prepaid
Geographic Scope
Domestic
Geographic Scope
Cross-Border
Money Transfer (includes digital wallet and instant deposits)
X
X
X
X
X
Funds Disbursement (includes merchant settlement and Loyalty and Offers)
X
X
X
X
X
Prepaid Load
X
X
Credit Card Bill Payment
X
X

Identifying Domestic and Cross-Border OCTs

Visa defines a transaction as domestic when you, the acquirer, and the recipient issuer are all in the same country. If the recipient issuer is in a different country from you or the acquirer, the transaction becomes a cross-border transaction.
In the European Economic Area (EEA), Visa uses different definitions for domestic and cross-border transactions for internal risk management of Original Credit Transactions (OCTs) compared to countries outside the EEA. Therefore, do not interpret the definitions in the domestic versus cross-border definition table as legal advice from
Visa
. Acquirers and recipient issuers must seek their own legal advice on their legal and regulatory obligations in the EEA.
The EEA domestic versus cross-border definitions apply to:
The domestic vs. cross-border definition table explains domestic and cross-border OCT transactions within the European Economic Area (EEA) regions, UK (and Gibraltar, where relevant), and outside EEA.
Domestic vs. Cross-Border Definition
Geographic Scope
European Economic Area (EEA), UK, and Gibraltar (where relevant)
Money Transfer
European Economic Area (EEA), UK, and Gibraltar (where relevant)
Funds Disbursement/Non-Money Transfer
Outside EEA
Domestic
  • Sender country (as provided by the originating merchant/acquirer) and recipient account range within the same EEA country and UK (and Gibraltar, where relevant), AND
  • Acquirer and recipient issuers within the EEA and UK (and Gibraltar, where relevant)
Example:
 Person-to-person Money Transfer between two people in Germany
  • Merchant country and recipient account range within the same EEA country and UK (and Gibraltar, where relevant), AND
  • Acquirer and recipient issuers within the EEA and UK (and Gibraltar, where relevant)
Example:
 Funds Disbursement between a merchant and a person in Germany
You, the acquirer, and recipient issuer are in the same country.
Cross-border
Anything that does not meet the Domestic Money Transfer definition is considered cross-border
Example:
 Person-to-person Money Transfer between a sender in Spain and a recipient in France
Anything that does not meet the Domestic Funds Disbursement/Non-Money Transfer definition is considered cross-border
Example:
 Funds Disbursement from a merchant in Spain to a recipient in Malta
Recipient issuer is in a different country than you or the acquirer.

Process an OCT

Original Credit Transactions (OCTs) deliver funds to a recipient's eligible accounts in real-time. OCTs are the second step in transferring funds from an sender to a receiver.

Endpoint

Production:
POST
https://api.cybersource.com
/pts/v2/payouts
Test:
POST
https://apitest.cybersource.com
/pts/v2/payouts

REST Example: OCT Request

Request: Authorization Service for an OCT

{
   "clientReferenceInformation":{
      "code":"123456789"
   },
   "orderInformation":{
      "amountDetails":{
         "totalAmount":"100.00",
         "currency":"USD"
      }
   },
   "processingInformation":{
      "businessApplicationId":"FD"
   },
   "paymentInformation":{
      "card":{
         "number":"411111111111111",
         "expirationMonth":"12",
         "expirationYear":"2025"
      }
   }
}
Response: Authorization Service for an OCT
{
    "clientReferenceInformation": {
        "code": "123456789"
    },
    "id": "6213507771386164004005",
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "100.00",
            "currency": "USD"
        }
    },
    "processorInformation": {
        "approvalCode": "100",
        "responseCode": "0"
    },
    "status": "ACCEPTED",
    "submitTimeUtc": "2021-05-18T151257Z"
}