**Identifying Domestic and Cross-Border OCTs** {#payouts-intro-oct-domest-cross-cord-trans}
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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:

* Visa's default velocity limits and recipient issuer's custom velocity limits
* Data requirements to process an OCT (for details see Appendix A of [Original Credit Transaction Data Elements and Processing Rules](https://docportal.visa.com/r/HrLiO~TTrPWvMlRP_ocmdA/Oy3nR4itTaM1mFniT7p8EQ ""))
* Use case restrictions (prepaid load and credit card bill payment)

{#payouts-intro-oct-domest-cross-cord-trans_ul_vyn_hw2_1fc}  
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) {#payouts-intro-oct-domest-cross-cord-trans_ul_kf2_s1y_z2c} **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) {#payouts-intro-oct-domest-cross-cord-trans_ul_lf2_s1y_z2c} **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. |