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 Funds are withdrawn from the sender’s eligible Mastercard or Visa card account using standard credit card processing (authorization and a capture) and deposited into the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).
- Aggregator Support for AFTs
- This optional service enables a third party agent to aggregate AFT transactions for a group of sub merchants under a single account. To perform an AFT with aggregator support, the AFT request must include the fields required for a standard AFT and the additional fields required for aggregator support for an AFT. See OCTs with Aggregator Support.
- BIN Lookup
- The bank identification number (BIN) lookup service enables you to verify thatPayoutstransactions are supported for the account. For gaming merchants, BIN lookup enables you to determine whether gamingPayoutsare 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 inCybersourcedata centers that are operated by Visa. See Token Management Service.