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Payouts Developer Guide {#payouts-about-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](https://developer.cybersource.com/docs.md "") on the Cybersource Developer Center for links to further documentation resources.

Customer Support
----------------

For support information about any service, visit the Support Center:  
<http://support.visaacceptance.com>

Recent Revisions to This Document {#payouts-doc-revs}
=====================================================

25.05.01
--------

Initial release.

Introduction to `Payouts` {#payouts-intro-intro}
================================================

This introduction contains an overview of the `Payouts` service and describes the supported sender card types, payment networks, requirements, and limitations.

Overview {#payouts-intro-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.  
  At present, `FDC Nashville Global` supports AFT services only.

> IMPORTANT
> You must receive approval from ` FDC Nashville Global ` before using the AFT service. Contact ` FDC Nashville Global ` to register in the AFT program.

AFT Types {#payouts-services-aft-transactions}
==============================================

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.

Supported Card Types {#payouts-intro-processor-cards}
=====================================================

Recipient card type for AFTs:

* Mastercard

* Visa
  {#payouts-intro-processor-cards_ul_f5p_x3r_jdc} These card types are supported :

* Mastercard

* Visa
  These currencies are supported: CAD, GBP, and USD

AFT Transactions {#payouts-services-intro}
==========================================

The Account Funding Transaction (AFT) allows 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 for paying goods and services, funding a merchant account, or repaying debts.

> IMPORTANT
> You must receive approval from ` FDC Nashville Global ` before using the AFT services. Contact ` FDC Nashville Global ` to register in the AFT program.

Dual Message Account Funding Transactions (AFTs) {#payouts-services-auth-dual-message-aft-intro}
================================================================================================

Account Funding Transactions allow a payment service provider to debit funds from a cardholder's Mastercard or Visa account to fund a non-merchant account. This is typically used to load funds onto prepaid cards and electronic wallets.  
Dual Message Account Funding Transactions (AFTs) provide the following benefits:

* Enables customers to identify Mastercard and Visa transactions during the authorization and settlement.
* Allows acquiring partners to use Dual Message BINs when performing a payout transaction.

Endpoint {#payouts-services-auth-dual-message-aft-intro_d7e16}
--------------------------------------------------------------

**Production:** `POST ``https://api.cybersource.com``/pts/v2/payments`{#payouts-services-auth-dual-message-aft-intro_d7e25}  
**Test:** `POST ``https://apitest.cybersource.com``/pts/v2/payments`{#payouts-services-auth-dual-message-aft-intro_d7e35}

Required Fields for a Dual-Message AFT Request for `FDC Nashville Global` {#payouts-services-auth-dual-message-aft-reqfields-fdiglobal}
=======================================================================================================================================

These fields are required to process a dual-message AFT request:

[clientReferenceInformation.code](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/client-ref-info-aa/client-ref-info-code.md "")
:

[orderInformation.amountDetails.currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-amount-details-currency.md "")
:

[orderInformation.amountDetails.totalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-amount-details-total-amount.md "")
:

[orderInformation.billTo.address1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-address1.md "")
:

[orderInformation.billTo.administrativeArea](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-admin-area.md "")
:

[orderInformation.billTo.country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-country.md "")
:

[orderInformation.billTo.email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-email.md "")
:

[orderInformation.billTo.firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-first-name.md "")
:

[orderInformation.billTo.lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-last-name.md "")
:

[orderInformation.billTo.locality](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-locality.md "")
:

[orderInformation.billTo.phoneNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-phone-num.md "")
:

[orderInformation.billTo.postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-postal-code.md "")
:

[paymentInformation.card.expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-exp-mo.md "")
:

[paymentInformation.card.expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-exp-year.md "")
:

[paymentInformation.card.number](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-number.md "")
:

[paymentInformation.card.securityCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-security-code-a.md "")
:

[paymentInformation.card.type](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-type-a.md "")
:

[processingInformation.authorizationOptions.aftIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-auth-ops-aft-ind.md "")
:

[processingInformation.businessApplicationId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-business-appl-id.md "")
:
These are the values when using a Mastercard card type:

    * `AA`: Account-to-account.
    * `BB`: Business to business.
    * `CO`: Cash out.
    * `CP`: Card bill payment.
    * `MD`: Merchant disbursement (acquirers or aggregators settling to merchants).
    * `PP`: Person to person.
    * `WT`: When AFT is used to fund a staged digital wallet.
    {#payouts-services-auth-dual-message-aft-reqfields-fdiglobal_ul_emx_dnw_zcc}

:
These are the values when a Visa card type:

    * `AA`: Account to account.
    * `BI`: Business to business.
    * `CB`: Consumer bill payment.
    * `FT`: Funds transfer.
    * `PP`: Person to person.
    * `TU`: Top Up: Prepaid load.
    * `WT`: Wallet transfer.
    {#payouts-services-auth-dual-message-aft-reqfields-fdiglobal_bai-value-fdiglobal}

[recipientInformation.accountId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recipient-info-aa/recipient-info-account-id.md "")
:
Required with Mastercard.

[recipientInformation.accountType](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recipient-info-aa/recipient-info-account-type.md "")
:
Required for Mastercard. These codes are permitted:

    * `00`: Other
    * `01`: Routing transit number (RTM) and bank account
    * `02`: IBAN
    * `03`: Card account
    * `04`: Email
    * `05`: Phone number
    * `06`: Bank account number (BAN) and Bank identification number code (BIC)
    * `07`: Wallet ID
    * `08`: Social network ID
    {#payouts-services-auth-dual-message-aft-reqfields-fdiglobal_ul_spm_p4w_zcc}

[recipientInformation.country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recipient-info-aa/recipient-info-country.md "")
:
Required with Mastercard for domestic funding transactions when the transaction is a subsequent and cross-border funds transfer.

[recipientInformation.firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recipient-info-aa/recipient-info-first-name.md "")
:
Required with Mastercard. Required with Visa for intra-European Economic Area (EEA), including UK and Gibraltar, and EU international transactions. Optional with Visa for domestic EU AFTs.

[recipientInformation.lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recipient-info-aa/recipient-info-last-name.md "")
:
Required with Mastercard. Required with Visa for intra-European Economic Area (EEA), including UK and Gibraltar, and EU international transactions. Optional with Visa for domestic EU AFTs.

[recipientInformation.middleName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recipient-info-aa/recipient-info-middle-name.md "")
:
Required with Visa for intra-European Economic Area (EEA), including UK and Gibraltar, and EU international transactions. Optional for domestic EU AFTs and Mastercard.

[recipientInformation.phoneNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recipient-info-aa/recipient-info-phone-number.md "")
:

[recipientInformation.postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recipient-info-aa/recipient-info-postal-code.md "")
:

[senderInformation.account.number](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-account-num.md "")
:
Required with Visa in the EU.

[senderInformation.address1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-address1.md "")
:
Required with Visa transactions into and out of Canada with the address of the person or entity. Optional with Mastercard.

[senderInformation.administrativeArea](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-administrative-area.md "")
:
Required with Visa for transactions in Canada and US. Optional with Mastercard.

[senderInformation.countryCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-country-code.md "")
:
Required with Visa transactions into and out of Canada. Optional with Mastercard.

[senderInformation.firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-first-name.md "")
:
Required with Visa. Optional with Mastercard.

[senderInformation.identificationNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-identification-num.md "")
:
Required with Visa EMV transactions.

[senderInformation.lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-last-name.md "")
:
Required with Visa. Optional with Mastercard.

[senderInformation.locality](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-locality.md "")
:
Required with Visa transactions into and out of Canada for cross-border money and non-money transfers. Optional with Mastercard.

[senderInformation.middleName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-middle-name.md "")
:
Required with Visa. Optional with Mastercard.

[senderInformation.name](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-name.md "")
:
This field contains the sender business, government, non-government name, or Visa payer name.

    When this field is present in a transaction, the `senderInformation.firstName`, `senderInformation.middleName`, and `senderInformation.lastName` fields should not be present in the transaction.

[senderInformation.personalIdType](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-personal-id-type.md "")
:
Strongly recommended with Visa.
:
These are the valid values:

    * `ARNB`: Alien registration number
    * `BTHD`: Date of birth
    * `CPNY`: Company registration number
    * `CUID`: Customer identification (unspecified)
    * `DRLN`: Driver license
    * `EMAL`: Email
    * `LAWE`: Law enforcement identification
    * `MILI`: Military identification
    * `NTID`: National identification
    * `PASN`: Passport number
    * `PHON`: Phone number
    * `PRXY`: Proxy identification
    * `SSNB`: Social security number
    * `TRVL`: Travel identification (non-passport)
    * `TXIN`: Tax identification
    {#payouts-services-auth-dual-message-aft-reqfields-fdiglobal_ul_vlc_g3m_rdc}

{#payouts-services-auth-dual-message-aft-reqfields-fdiglobal_dl_wyl_mhh_2cc}

Related Information
-------------------

* [REST API Field Reference Guide](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/rest-api-fields-intro.md "")

Optional Fields for a Dual-Message AFT {#payouts-services-auth-dual-message-aft-optfields-fdiglobal}
====================================================================================================

You can include these optional fields in an authorization request for an AFT:

[processingInformation.purposeOfPayment](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-purpose-of-payment.md "")
:

[recipientInformation.address1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recipient-info-aa/recipient-info-address1.md "")
:

[recipientInformation.administrativeArea](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recipient-info-aa/recipient-info-administrative-area.md "")
:

[recipientInformation.locality](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recipient-info-aa/recipient-info-locality.md "")
:

[recipientInformation.middleName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recipient-info-aa/recipient-info-middle-name.md "")
:

[senderInformation.account.fundsSource](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-account-funds-source.md "")
:
These are the valid values:

    * `01`: Credit (Visa or Mastercard credit card)
    * `02`: Debit (Visa or Mastercard debit card)
    * `03`: Prepaid (Visa or Mastercard prepaid card)
    * `04`: Deposit account (checking, savings, or cryptocurrency)
    * `06`: Cash
    {#payouts-services-auth-dual-message-aft-optfields-fdiglobal_ul_ebb_tdq_sdc}

[senderInformation.account.type](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-account-type.md "")
:
These are the valid values:

    * `00`: Other
    * `01`: Routing Transit Number (RTN) + Bank Account Number (BAN)
    * `02`: International Bank Account Number (IBAN)
    * `03`: Card Account
    * `04`: Email
    * `05`: Phone Number
    * `06`: Bank Account Number (BAN) + Bank Identification Code (BIC), also known as a SWIFT code
    * `07`: Wallet ID
    * `08`: Social Media ID
    {#payouts-services-auth-dual-message-aft-optfields-fdiglobal_ul_dsx_vxn_pdc}

[senderInformation.dateOfBirth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-date-of-birth.md "")
:

[senderInformation.phoneNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-phone-number.md "")
:

[senderInformation.postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-postal-code.md "")
:

[senderInformation.referenceNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-reference-number.md "")
:

[senderInformation.type](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-type.md "")
:
This field is optional, but strongly recommended.
:
These are the valid values:

    * `0B`: Business
    * `0I`: Individual
    {#payouts-services-auth-dual-message-aft-optfields-fdiglobal_ul_mdk_5zm_rdc}

Related Information {#payouts-services-auth-dual-message-aft-optfields-fdiglobal_section_ant_bh2_rdc}
-----------------------------------------------------------------------------------------------------

* [REST API Field Reference Guide](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/rest-api-fields-intro.md "")
  {#payouts-services-auth-dual-message-aft-optfields-fdiglobal_ul_bnt_bh2_rdc}

REST Example: Dual-Message AFT for `FDC Nashville Global` {#payouts-services-auth-dual-message-aft-ex-rest-fdi-global}
======================================================================================================================

Request

```
{
  "clientReferenceInformation": {
    "code": "RTS-AFT3-8"
  },
  "processingInformation": {
    "capture": true,
    "businessApplicationId": "AA",
    "authorizationOptions": {
      "aftIndicator": true
    }
  },
  "paymentInformation": {
    "card": {
      "number": "453979100173XXXX",
      "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": "UK"
    }
  },
  "senderInformation": {
    "firstName": "Joe",
    "lastName": "Root",
    "middleName": "S",
    "address1": "34 Orchard Grove",
    "locality": "Southampton",
    "countryCode": "UK"
  },
  "recipientInformation": {
    "accountId": "4929421234600821",
    "firstName": "Ben",
    "lastName": "Stokes",
    "middleName": "A"
  }
}
  
```

Response

```
{
  "_links": {
    "void": {
      "method": "POST",
      "href": "/pts/v2/payments/7286014246196696003955/voids"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/7286014246196696003955"
    }
  },
  "clientReferenceInformation": {
    "code": "RTS-AFT3-8"
  },
  "id": "7286014246196696003955",
  "issuerInformation": {
    "responseRaw": "0110322000000E10000200000000000000280010102303440139615736554359323159524D50353833313030303030000159004400223134573031363135303730333830323039344730363400103232415050524F56414C0006564943524320"
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "28.00",
      "authorizedAmount": "28.00",
      "currency": "GBP"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "pointOfSaleInformation": {
    "terminalId": "01411543"
  },
  "processorInformation": {
    "merchantNumber": "000846649116882",
    "approvalCode": "831000",
    "networkTransactionId": "016150703802094",
    "transactionId": "016150703802094",
    "responseCode": "00",
    "avs": {
      "code": "Y",
      "codeRaw": "Y"
    }
  },
  "reconciliationId": "79576757",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2024-10-10T23:03:44Z"
}
```

Reference {#payouts-ref-intro}
==============================

This section provides helpful reference information for using Payouts services.

Business Application Identifier {#payouts-appendix-bai}
=======================================================

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.

| 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. | > NOTE > If funding a prepaid account, do not use this value. Use ` TU ` instead.                                                                                                                                                                                                                                                                                               |
| `BB`      | Business-to-Business                                                                                                                                                                                  |                                                                                                                                                                                                                                                                                                                                                                                 |
| `BI`      | Financial Institution offered Bank-Initiated P2P Money Transfer                                                                                                                                       | P2P Money transfer is started from an online banking system, making it a bank-initiated transaction. This category is only used for specific scenarios and is only available in limited markets. For more information, contact your Visa representative. This value is only available with Visa card types.                                                                     |
| `CB`      | Consumer Bill Payment                                                                                                                                                                                 | This value is only available with Visa card types.                                                                                                                                                                                                                                                                                                                              |
| `CO`      | Cash Out                                                                                                                                                                                              |                                                                                                                                                                                                                                                                                                                                                                                 |
| `CP`      | Cash Bill Payment                                                                                                                                                                                     |                                                                                                                                                                                                                                                                                                                                                                                 |
| `FD`      | Funds Disbursement                                                                                                                                                                                    | Available only with Visa card transactions.                                                                                                                                                                                                                                                                                                                                     |
| `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. This value is only available with Visa card types.                                                                                     |
| `GD`      | Government disbursement, including: * Government-initiated tax refunds * Government benefit and welfare disbursements {#payouts-appendix-bai_ul_lzj_1vn_pdc}                                          | This value is only available with Visa card types.                                                                                                                                                                                                                                                                                                                              |
| `GP`      | Gambling payout other than online gambling.                                                                                                                                                           | This value is only available with Visa card types.                                                                                                                                                                                                                                                                                                                              |
| `LO`      | Loyalty credits and rebates (not supported in European systems).                                                                                                                                      | This value is only available with Visa card types.                                                                                                                                                                                                                                                                                                                              |
| `NA`      | Merchant instant funding.                                                                                                                                                                             | This value is only available with Visa card types.                                                                                                                                                                                                                                                                                                                              |
| `MI`      | Merchant-initiated money transfer.                                                                                                                                                                    | This value is only available with Visa card types.                                                                                                                                                                                                                                                                                                                              |
| `MD`      | Merchant disbursement (acquirers or aggregators settling to merchants).                                                                                                                               |                                                                                                                                                                                                                                                                                                                                                                                 |
| `PD`      | Payroll Disbursement                                                                                                                                                                                  | This value is only available with Visa card types.                                                                                                                                                                                                                                                                                                                              |
| `PP`      | Person-to-Person (P2P) Money Transfer                                                                                                                                                                 | P2P Money transfer is started from an online banking system, making it a bank-initiated transaction. This category is only used when both AFTs and OCTs are supported. When only AFT is supported, use the **FT** category.                                                                                                                                                     |
| `TU`      | Prepaid Card Load or Top-Up                                                                                                                                                                           | This value is only available with Visa card types.                                                                                                                                                                                                                                                                                                                              |
| `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. |
[Business Application Identifier Values]

Recipient Account {#payouts-appendix-receiver-account}
======================================================

The Sender Source field identifies the source of funds. Provide one of the values when you send field `recipientInformation.accountType`.

| Value | Definition                                                   |
|:------|:-------------------------------------------------------------|
| `00`  | Other                                                        |
| `01`  | RNT and Bank Account                                         |
| `02`  | IBAN                                                         |
| `03`  | Card Account                                                 |
| `04`  | Email                                                        |
| `05`  | Phone Number                                                 |
| `06`  | Bank account number (BAN) and Bank Identification Code (BIC) |
| `07`  | Wallet ID                                                    |
| `08`  | Social Network ID                                            |
[Recipient Account Values]

Sender Source {#payouts-appendix-sender-source}
===============================================

The Sender Source field identifies the source of funds. Provide one of the values when you send field `senderInformation.account.fundsSource`.  
All acquirers, service providers, and merchants are required to submit a valid sender source value when submitting an AFT.

| Value | Definition      |
|:------|:----------------|
| `01`  | Credit card     |
| `02`  | Debit card      |
| `03`  | Prepaid card    |
| `04`  | Deposit account |
| `06`  | Cash            |
[Sender Source Values]

