Recent Revisions to This Document

24.01

Reorganized the document.

22.06

Initial release provides these features:

Account Funding Transactions (AFTs): An AFT withdraws funds from a sender’s account. Funds are withdrawn from the sender’s eligible Mastercard or Visa card account using standard credit card processing (authorization and a capture) and deposited into the recipient’s account. The service can be used to enable services such as funding new accounts, adding funds to existing accounts, and funding account‑to‑account transfers. See Account Funding Transactions (AFTs).
Original Credit Transactions (OCTs): An OCT deposits funds into a recipient’s eligible Mastercard or Visa card account. The service can be used to enable services such as money transfers, funds disbursements, prepaid loads, and credit card bill payments. Test bank card numbers are provided specifically for testing the OCT service. See Original Credit Transactions (OCTs).

When using Visa Platform Connect, the merchant can defer OCT processing until the date and time you specify. This feature requires that you specify additional information in these fields of the OCT request:
processingInformation. payoutOptions. deferredDateTime
,
aggregatorInformation. serviceProvidername
,
merchantInformation. merchantDescriptor. country
, and
merchantInformation. merchantDescriptor. postalCode
. See Required Fields for Performing an OCT.
Cryptocurrency Support for OCTs: An OCT with cryptocurrency deposits cryptocurrency funds into a recipient’s account. To perform an OCT with cryptocurrency, the merchant must support quasi-cash. Test bank card numbers are provided specifically for testing the OCT service with cryptocurrency. See Required Fields for Performing an OCT with Cryptocurrency.
BIN Lookup: The bank identification number (BIN) lookup service enables you to verify that Payouts transactions are supported for the account. For gaming merchants, BIN lookup enables you to determine whether gaming Payouts are supported in your territory or the cardholder's territory. See BIN Lookup.
Token Management Service: The Token Management Service (TMS) replaces sensitive customer information with a unique identifier or customer token that cannot be mathematically reversed. The actual data is securely stored in Cybersource data centers that are operated by Visa. See Token Management Service.