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An OCT deposits funds into a recipient’s account.

Required Fields for Performing an OCT

These fields are required in a request for an OCT:
card_accountNumber
Not required when you are using a customer token.
card_expirationMonth
Not required when you are using a customer token.
card_expirationYear
Not required when you are using a customer token.
invoiceHeader_businessApplicationID
Not required when your account includes this value.
invoiceHeader_merchantDescriptorCity
Set this field to
Visa Direct
.
merchantID
merchantReferenceCode
octService_run
Set this field to
true
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Cannot exceed 50,000 USD.
recipient_firstName
recipient_lastName
sender_accountNumber
Required for all transactions.
sender_sourceOfFunds
sender_state
Required when the sender country is the U.S. or Canada.

Performing an OCT

Do not include any other services in the request.
Follow these steps to perform an OCT:
  1. Request the service. Set the
    octService_run
     field to
    true
    , and send the request to one of these endpoints:
    • https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
    • https://ics2wsa.ic3.com/commerce/1.x/transactionProcessor
  2. Include the required fields in the request.
  3. Include optional fields in the request as needed.
  4. Check the response message to make sure that the request was successful. A value of
    ACCEPT
     for the
    decision
     field indicates success. For information about reason codes, see Reason Codes for the Simple Order API.

NVP Example: OCT Request Using the Simple Order API

Request: OCT Service 
merchantID=BigInsuranceCo123
merchantReferenceCode=123456789
invoiceHeader_merchantDescriptorCity=Visa Direct
invoiceHeader_businessApplicationID=FD
purchaseTotals_currency=USD
purchaseTotals_grandTotalAmount=2500.00
card_accountNumber=4111111111111111
card_expirationMonth=12
card_expirationYear=2020
octService_run=true
recipient_firstName=John
recipient_lastName=Smith
sender_sourceOfFunds=04
sender_state=CA
sender_accountNumber=5555555555554444
Response: OCT Service
merchantReferenceCode=123456789
requestID=0305782650000167905081
decision=ACCEPT
reasonCode=100
purchaseTotals_currency=USD
octReply_reasonCode=100
octReply_reconciliationID=94820975023471
octReply_processorResponse=00
octReply_approvalCode=831000
octReply_amount=2500.00
octReply_paymentNetworkTransactionID=012345678912345

XML Example: OCT Request Using the Simple Order API

Request: OCT Service 
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.135">
    <merchantID>BigInsuranceCo123</merchantID>
    <merchantReferenceCode>123456789</merchantReferenceCode>
    <invoiceHeader>
        <merchantDescriptorCity>Visa Direct</merchantDescriptorCity>
        <businessApplicationID>FD</businessApplicationID>
    </invoiceHeader>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>2500.00</grandTotalAmount>
    </purchaseTotals>
    <card>
        <accountNumber>4111111111111111</accountNumber>
        <expirationMonth>12</expirationMonth>
        <expirationYear>2020</expirationYear>
    </card>
    <octService run="true">
    </octService>
    <recipient>
        <lastName>Smith</name>
        <firstName>William</name>
    </recipient>
    <sender>
        <sourceOfFunds>04</sourceOfFunds>
        <state>CA</state>
        <accountNumber>5555555555554444</accountNumber>
    </sender>
</requestMessage>
Response: OCT Service
<c:replyMessage xmlns:c="urn:schemas-cybersource-com:transaction-data-1.135">
    <c:merchantReferenceCode>123456789</c:merchantReferenceCode>
    <c:requestID>0305782650000167905081</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:purchaseTotals_currency>USD</c:purchaseTotals_currency>
    <c:octReply>
        <c:reasonCode>100</c:reasonCode>
        <c:requestDateTime>2017-10-23T23:24:32Z</c:requestDateTime>
        <c:reconciliationID>94820975023471</c:reconciliationID>
        <c:processorResponse>00</c:processorResponse>
        <c:approvalCode>831000</c:approvalCode>
        <c:amount>2500.00</c:amount>
        <c:paymentNetworkTransactionID>123456789012345</c:paymentNetworkTransactionID>
    </c:octReply>
</c:replyMessage>

Testing the OCT Service

  1. Use
    the Mastercard or
    Visa payment card numbers to test the OCT service. Do not use real payment card numbers. Remove spaces when sending card numbers to
    Cybersource
    .

Mastercard Test Payment Card Numbers

Use these payment card numbers to test the OCT service.
  • 5033 9619 8915 0167
  • 5033 9619 8900 0000 411
  • 5868 2416 0825 5333 38

Visa Test Payment Card Numbers

Use these payment card numbers to test the OCT service:
Visa Payment Card Numbers for Testing the OCT Service
Card Type
Card Number
CVV
Expiration Date
Credit card
4111 1111 1111 1110
—
—
Credit card
4487 9720 0000 0010
—
—
Credit card
4957 0304 2021 0490
—
—
Debit card
4622 9410 0000 0000
973
12/2022
Debit card
4622 9411 0000 0000
166
12/2022
Debit card
4622 9411 0000 0010
916
12/2022
Debit card
4622 9411 0000 0020
142
12/2022
Debit card
4622 9411 0000 0030
109
12/2022
Debit card
4622 9411 0000 0040
932
12/2022
Debit card
4622 9411 0000 0050
177
12/2022
Debit card
4622 9411 0000 0060
286
12/2022
Debit card
4622 9411 0000 0070
860
12/2022
Debit card
4622 9411 0000 0080
948
12/2022
Debit card
4622 9411 0000 0090
567
12/2022
Debit card
4895 2500 0000 0000
482
12/2022
Debit card
4895 3700 3000 0010
199
12/2022
Prepaid card
4895 2800 0000 0000
153
12/2022
Prepaid card
4895 2811 0000 0000
108
12/2022
Prepaid card
4895 2811 0000 0010
516
12/2022
Prepaid card
4895 2811 0000 0020
414
12/2022
Prepaid card
4895 2811 0000 0030
425
12/2022
Prepaid card
4895 2811 0000 0040
383
12/2022
Prepaid card
4895 2811 0000 0050
520
12/2022
Prepaid card
4895 2811 0000 0060
164
12/2022
Prepaid card
4895 2811 0000 0070
741
12/2022
Prepaid card
4895 2811 0000 0080
350
12/2022
Prepaid card
4895 2811 0000 0090
656
12/2022
Prepaid card
4895 3100 0000 0000
865
12/2022
Prepaid card
4895 3200 0000 0000
950
12/2022