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Payouts Developer 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 on the Cybersource Developer Center for links to further documentation resources.

Customer Support

For support information about any service, visit the Support Center:

Recent Revisions to This Document

25.05.01

Initial release.

Introduction to
Payouts

This introduction contains an overview of the
Payouts
 service and describes the supported sender card types, payment networks, requirements, and limitations.
IMPORTANT
Visa Direct
 is a distinct
REST API
 connection and is unrelated to the
Visa Platform Connect
 processor mentioned in other
Cybersource
 documentation.

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 When an AFT is authorized for a person-to-person transaction, the funds are available and can be withdrawn from the sender's account.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.
IMPORTANT
You must receive approval from
your processor
before using the AFT service. Contact
your processor
 to register in the AFT program.

AFT Types

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.

Aggregator Support for
Payouts

A third-party agents can act as an
aggregator
, or
payment facilitator
, for supported types of
Payouts
 transactions. An aggregator is an organization that aggregates
Payouts
 transactions for a group of sub-merchants under a single account, processing card transactions and settling funds directly to sub-merchants' bank accounts. An aggregator can be a merchant, an independent sales organization (ISO), or a member service provider (MSP). When aggregation is enabled,
Cybersource
 can send payment facilitator information about a transaction that involves the facilitator.
To have your account configured for this feature, contact customer support.

Single Message System Credit Card Processing

Payouts that are processed through
Visa Direct
 use Visa’s Single Message System (SMS). In the SMS, a separate authorization and capture are not required. The SMS processes transactions in a single message, which includes both the authorization and the capture of the transaction.
An AFT consists of a single pull funds transfer request. An OCT consists of a single push funds transfer request.

Supported Sender Card Types

These card types are supported :
  • Mastercard
  • Visa

Payment
Networks

Visa Direct
The Visa Direct payment network provides these functions for
Payouts
:
  • Enhanced message types for
    AFTs and
     OCTs.
  • Processes, policies, and underlying operating regulations and mandates for issuers and acquirers.
Mastercard Send
The Mastercard Send payment network transfers funds to Mastercard products. Mastercard Send enables customers to move funds quickly and safely and receive disbursements from businesses and governments.

Requirement

You must meet these requirements in order to use AFTs:
  • Have approval from your acquirer to enable AFTs.
  • Your
    Cybersource
     account has Payouts enabled and configured.
  • Your acquirer has updated the Merchant Category Codes (MCCs) into the
    Cybersource
     system.
  • Agree to the MLE Beta agreement.
  • Generate an API key. For more information, see REST API Key with a Shared Secret Key.
The Pull funds transfer is a pilot feature with no SDK support at this time.

AFT Limitations

AFT limitations affect how quickly a transaction is processed. These limitations include restrictions on the maximum transaction amounts allowed per time period.

AFT Velocity Limits

These transaction amount limits in USD per time period apply to all AFTs.
AFT Transaction Type
1-Day Time Period
7-Day Time Period
Thirty-Day Time Period
Domestic Money Transfer
100,000
250,000
500,000
Cross-Border Money Transfer
50,000
100,000
200,000
Domestic Non-Money Transfer
100,000
250,000
500,000
Cross-Border Non-Money Transfer
50,000
100,000
200,000
IMPORTANT
Domestic limits apply to intra-EEA transactions. These transactions occur within the European Economic Area (EEA) and include EU countries as well as Iceland, Liechtenstein, and Norway.

AFT Maximum Transaction Amounts

These are the maximum transaction amounts in USD for all AFTs:
  • Domestic Money Transfer: 100,000
  • Cross-Border Money Transfer: 25,000
  • Domestic Non-Money Transfer: 50,000
  • Cross-Border Non-Money Transfer: 50,000
IMPORTANT
Domestic limits apply to intra-EEA transactions. These transactions occur within the European Economic Area (EEA) and include EU countries as well as Iceland, Liechtenstein, and Norway.

AFT Transactions

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
your processor
before using the AFT services. Contact
your processor
 to register in the AFT program.

Pull Services

Pull Services are designed to facilitate the movement of funds from a sender's account to a recipient's account. This process is initiated by an AFT, which ensures a secure and efficient transfer of funds. These services are essential for managing transactions where you need to withdraw funds from a customer's account.

Types of Pull Services

These are several types of Pull Services available to you:
  • Pull Funds Transfer Service
    : Allows you to initiate a transfer of funds from a sender's account to your account. It is commonly used for collecting payments or transferring funds between accounts.
  • Pull Transfer Reversal Service
    : Enables you to return the funds to the sender's account if you need to reverse a transfer, this service. This is useful in cases of errors or disputes.
  • Pull Funds Transfer Refund Service
    : Provides a mechanism for refunding a transaction, allowing you to return funds to the sender's account when necessary.

Benefits

Using the Pull Services offers these advantages:
  • Efficiency
    : Streamlines the process of fund transfers, reducing the time and effort required.
  • Security
    : Ensures that transactions are conducted securely, protecting both you and your customers.
  • Flexibility
    : Offers various services to meet different transaction needs, from transfers to reversals and refunds.

Pull Funds Transfer Service

An AFT withdraws funds from a sender’s account. Some countries or regions have mandatory fields for specific cases, such as a cross-border AFT. For more information about country or regional requirements, see the Visa Direct AFT Processing guide. These fields are not mandatory, but they are required in Visa’s processing rules.

Endpoints

Production:
POST https://api.cybersource.com/pts/v1/pull-funds-transfer
Test:
POST https://apitest.cybersource.com/pts/v1/pull-funds-transfer

Pull Funds Transfer Required Fields

These fields are required in a request for a Pull Funds Transfer:
Sender card information or a Token Management Service (TMS) payment token is required.

Pull Funds Transfer Optional Fields

These fields are optional in a request for a Pull Funds Transfer:
This field indicates that the funds transfer is for a cryptocurrency transaction.
processingInformation.fundingOptions.initiator.originatorInitiatedTransaction. originalTransactionId
processingInformation.fundingOptions.initiator.originatorInitiatedTransaction. reason
processingInformation.fundingOptions.initiator.storedCredentialUsed
processingInformation.payoutsOptions.retrievalReferenceNumber
recipientInformation.descriptor
recipientInformation.identificationNumber
recipientInformation.personalIdentification.id
recipientInformation.personalIdentification.issuingCountry
recipientInformation.personalIdentification.personalIdType
recipientInformation.personalIdentification.type
recipientInformation.type
senderInformation.address2
senderInformation.consumerAuthentication.cavv
senderInformation.consumerAuthentication. strongAuthentication.delegatedAuthenticationExemptionIndicator
senderInformation.consumerAuthentication.strongAuthentication. lowValueExemptionIndicator
senderInformation.consumerAuthentication.strongAuthentication. riskAnalysisExemptionIndicator
senderInformation.consumerAuthentication.strongAuthentication. secureCorporatePaymentIndicator
senderInformation.consumerAuthentication.strongAuthentication. trustedMerchantExemptionIndicator
senderInformation.country
senderInformation.paymentInformation.accountType
senderInformation.paymentInformation.card.securityCode
senderInformation.paymentInformation.card.type
These are the valid values:
001
: Visa
002
: Mastercard
024
: Maestro
033
: Visa Electron
senderInformation.paymentInformation.customer.id
The value is the TMS customer token identification.
senderInformation.personalIdentification.id
senderInformation.paymentInstrument.id
senderInformation.paymentInstrumentIdentifier.id
senderInformation.personalIdentification.issuingCountry
senderInformation.personalIdentification.personalIdType
senderInformation.personalIdentification.type

REST Example: Pull Funds Transfer

Request with a PAN card
This example shows a Pull Funds Transfer request with a PAN card.
{
  "clientReferenceInformation": {
    "code": "33557799",
    "applicationName": "EXAMPLE API",
    "applicationVersion": "V1",
    "applicationUser": "example_user"
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "53.00",   
      "currency": "USD"
    }
  },
  "processingInformation": {
    "commerceIndicator": "INTERNET",
    "businessApplicationId": "WT",
    "purposeOfPayment": "example"
  },
  "recipientInformation": {
    "administrativeArea": "TX",
    "countryCode": "US",
    "firstName": "Jennifer",
    "middleInitial": "M",
    "lastName": "Doe",
    "identificationNumber": "1234567890",
    "type": "I",
    "descriptor": "Jennifer1234",
        "address1": "123 Main St",
        "address2": "Suite 4000"
  },
  "senderInformation": {
    "postalCode": "94440",
    "firstName": "John",
    "middleInitial": "A",
    "lastName": "Doe",
    "address1": "567 Paseo Padre Boulevard",
        "address2": "Apt 4",
   
    "locality": "Foster City",
    "administrativeArea": "CA",
    "country": "US",
    "paymentInformation": {
      "card": {
        "type": "001",
        "securityCode": "123",
        "number": "4111111111111111",
        "expirationMonth": "12",
        "expirationYear": "2030"
      },
      "accountType": "30"
    },
    "personalIdentification": {
      "issuingCountry": "US",
      "id": "123abc",
      "type": "TXIN",
      "personalIdType": "I"
    },
    "referenceNumber": "123456"
  }
}
Response to a Successful Request
This example shows a Pull Funds Transfer response with a PAN card.
{
  "_links": {
    "refund": {
      "href": "/pts/v1/pull-funds-transfer/7180269028616978704951/refund",
      "method": "POST"
    },
    "reversal": {
      "href": "/pts/v1/pull-funds-transfer/7180269028616978704951/reversal",
      "method": "POST"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v1/pull-funds-transfer/7180269028616978704951"
    }
  },
  "processorInformation": {
    "approvalCode": "98765X",
    "transactionId": "798964527787170",
    "systemTraceAuditNumber": "903083",
    "retrievalReferenceNumber": "416213903083",
    "responseCode": "5"
  },
  "id": "7180269028616978704951",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2027-06-10T13:41:42Z"
}

REST Example: Pull Funds Transfer with TMS

Request with TMS tokens
This example shows a Pull Funds Transfer request with tokens.
{
  "senderInformation": {
    "firstName": "Ellen",
    "lastName": "Torres",
    "address": "123 N Test St",
    "middleInitial": "A",
    "countryCode": "US",
    "postalCode": "94404",
    "locality": "Foster City",
    "administrativeArea": "CA"
  },
  "paymentInformation": {
    "customer": {
      "id": "B21E6717A6F03479E05341588E0A303F"
    },
    "paymentInstrument": {
      "id": "B21E6B7E8BB3388EE05341588E0AFC84"
    },
    "shippingAddress": {
      "id": "B21E6717A6F33479E05341588E0A303F"
    }
  },
  "recipientInformation": {
    "firstName": "Amit",
    "lastName": "Gupta",
    "countryCode": "US",
    "administrativeArea": "CA",
    "identificationNumber": "123456789",
    "type": "I"
  },
  "processingInformation": {
    "commerceIndicator": "INTERNET",
    "businessApplicationId": "PP"
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "100",
      "currency": "USD"
    }
  },
  "clientReferenceInformation": {
    "code": "REF123456",
    "applicationName": "Great Stuff Storefront",
    "applicationUser": "G. Miller"
  }
}
Response: Pull Funds Transfer with TMS
This example shows a Pull Funds Transfer response with tokens.
{
  "_links": {
    "refund": {
      "href": "/pts/v1/pull-funds-transfer/6668885718936344401953/refund",
      "method": "POST"
    },
    "reversal": {
      "href": "/pts/v1/pull-funds-transfer/6668885718936344401953/reversal",
      "method": "POST"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v1/pull-funds-transfer/6668885718936344401953"
    }
  },
  "processorInformation": {
    "approvalCode": "98765X",
    "transactionId": "393209441134856",
    "systemTraceAuditNumber": "572474",
    "responseCode": "5"
  },
  "id": "6668885718936344401953",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2027-10-27T16:36:12Z"
}

Pull Transfer Reversal Service

Use an AFT reversal transaction to reverse an AFT within 24 hours of the original transaction time. You must complete this before the transaction settles.

Endpoints

Production:
POST https://api.cybersource.com/pts/v1/pull-funds-transfer/{id}/reversal
Test:
POST https://apitest.cybersource.com/pts/v1/pull-funds-transfer/{id}/reversal

Pull Funds Transfer Reversal Required Fields

This field is required in a request for a Pull Funds Transfer reversal:

Pull Funds Transfer Reversal Optional Fields

REST Example: Pull Funds Reversal Transfer

Request
This example shows a Pull Funds Transfer reversal request.
{
    "reversalInformation": {
        "amountDetails": {
            "totalAmount": "5",
            "currency": "USD"
        }
    }
}
Response
This example shows a Pull Funds Transfer reversal response.
{
    "processorInformation": {
        "responseCode": "5",
        "approvalCode": "98765X",
        "transactionId": "858133930771324",
        "systemTraceAuditNumber": "572474"
    },
    "id": "6668886748826345201953",
    "_links": {
        "self": {
            "method": "GET",
            "href": "/pts/v1/pull-funds-transfer/6668886748826345201953"
        }
    },
    "status": "REVERSED",
    "submitTimeUtc": "2022-10-27T16:37:55Z"
}

Pull Transfer Refund Service

Use an AFT refund transaction to send funds back to the sender's card within 30 days of the original AFT. The funds cannot be traced if the original transaction is over 30 days old. You can accept a refund after the original AFT settles.

Endpoints

Production:
POST https://api.cybersource.com/pts/v1/pull-funds-transfer/{id}/refund
Test:
POST https://apitest.cybersource.com/pts/v1/pull-funds-transfer/{id}/refund

Pull Funds Transfer Refund Required Fields

This field is required in a request for a Pull Funds Transfer refund:

Pull Funds Transfer Refund Optional Fields

REST Example: Pull Funds Transfer Refund

Request
This example shows a Pull Funds Transfer refund request.
{
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "95"
    }
  }
}
Response
This example shows a Pull Funds Transfer refund response.
{
  "processorInformation": {
    "transactionId": "351083755930580",
    "systemTraceAuditNumber": "761442"
  },
  "id": "6668887829136346401953",
  "_links": {
    "self": {
      "method": "GET",
      "href": "/pts/v1/pull-funds-transfer/6668887829136346401953"
    }
  },
  "status": "ACCEPTED",
  "submitTimeUtc": "2027-10-27T16:39:43Z"
}

Reference

This section provides helpful reference information for using Payouts services.

Business Application Identifier

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.
Business Application Identifier Values
BAI Value
Category
Merchant Category Code
Transfer Type
Requirements
AA
Account-to-Account money transfer. This is for funding the cardholder's own account at the same or a different financial institution.
4829
 Non-Financial Institution Wire Transfer Money Orders (not applicable in the US with BAI
AA
)
6012
 Financial Institutions – Merchandise and Services
6211
 Security Brokers/Dealers
Money transfer
Both accounts must be owned by the same person or entity.
If you are funding a prepaid account, use the
TU
 value. Do not use the
AA
 value.
BI
Financial Institution offered Bank-Initiated P2P Money Transfer.
6012
 Financial Institutions – Merchandise and Services
Money transfer
P2P
 (Person-to-Person) Money transfer is initiated from an online banking system, making it a bank-initiated transaction.
BAI
BI
 should be used with MCC
6012
.
A domestic AFT from a bank/financial institution can use BAI
BI
 for a me-to-me or person-to-person transfer.
IMPORTANT
This category is used only for specific scenarios and available only in limited markets. For more information, contact your Visa representative.
FD
Funds Disbursement
Any MCC associated with the merchant
Non-Money transfer
Insurance payout in which a third party uses an AFT to fund the disbursement of OCT on behalf of the insurance company.
Other examples include but are not limited to a shared economy, small business lending, healthcare, GIG worker payouts, corporate expense disbursement, and others.
FT
Funds Transfer
4829
 Non-Financial Institution Wire Transfer Money Orders (WTMOs)
6012
 Financial Institutions – Merchandise and Services
6540
 Non-Financial Institutions – Stored Value Card Purchase/Load
If you use funds for a high-brand risk transaction, the applicable high-brand risk MCC must be used.
If the general purpose wallet is used to purchase liquid and cryptocurrency assets, the applicable special condition indicator (Field 60.4) = 7 must be used.
Non-Fiat Currency is replaced with liquid and cryptocurrency assets.
MCC
6211
 Security Brokers/Dealers
Money transfer
Adding funds to or cashing out a Stored Value Digital Wallet (SVDW) account.
Funding a Money Transfer in which the OCT is not enabled as the push mechanism to the recipient.
Wallet providers must use BAI
LA
 instead of
FT
 for cashing out funds if the wallet is a general-purpose wallet, and 50% or more of their annual sales volume comes from liquid or cryptocurrency assets.
PD
Payroll Disbursement
8931
 Accounting, Auditing, and Bookkeeping services including Payroll
Non-Money transfer
When a payroll provider disburses payroll on behalf of the small business who funds the transactions.
PP
Person-to-Person (
P2P
) Money Transfer
4829
 Non-Financial Institution Wire Transfer Money Orders
6012
 Financial Institutions – Merchandise and Services
6012
 Financial Institutions- Merchandise and Services
Money transfer
Services that support AFT and OCT. If only AFT is supported, you must use BAI
FT
.
TU
Prepaid Card Load or Top-Up
6012
 Financial Institutions – Merchandise and Services.
6051
 Non-Financial Institutions – Foreign Currency, Liquid and Cryptocurrency Assets (for example, Cryptocurrency), Money Order (not Money Transfer), Travelers Check, and Debt Repayment
6540
 Non-Financial Institutions – Stored Value Card Purchase/Load
Non-Money transfer
Merchants that sell other goods and services in addition to stored value cards and offer prepaid card load capability can use the MCC associated with the merchant’s primary business in accordance with the Visa Merchant Data Standards Manual.
WT
Staged Digital Wallet (SDW) Transfer
6051
 Non-Financial Institutions – Foreign Currency, Liquid and Cryptocurrency Assets (for example Cryptocurrency), Money Orders (not Money Transfer), Account Funding (not Stored Value Load), Travelers Cheques, and Debt Repayment.
An AFT is not intended for debt repayment.
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 the wallet is used to purchase Liquid and Cryptocurrency Assets (for example, Cryptocurrency), the applicable special condition indicator must be used.
Money transfer
When a Visa card is used to fund a SDW before the cardholder makes a purchase, you must use an AFT with a BAI
WT
.
WT
 must be used only by registered Staged Digital Wallet Operators (SDWO).
For additional information on SDW transactions, visit the SDWO section at Visa Access (Visa Online). Contact your Visa representative for additional information and requirements for digital wallets.
Effective October 2024: Field 104 – Sender Data and Recipient Name will be required to support cross-border AFT.
V.I.P. rejects AFTs with the existing reject code
0494
 (when a field or data is missing or invalid).

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.
Sender Source Values
Value
Definition
01
Credit card
02
Debit card
03
Prepaid card
04
Cash
05
Debit or deposit accounts that are not linked to a Visa card such checking accounts, savings accounts, proprietary Cybersource
senderInformation.account.fundsSource
 debit or ATM card account, and digital wallet account.
06
Credit accounts that is not linked to a Visa card such as credit cards and proprietary lines of credit.
07
Mobile wallet account
08
Other source of funds

Visa
Direct
BAI to Mastercard TTI Mapping

This table shows how Visa BAI to Mastercard TTI mappings and their descriptions, and transaction types.

Visa Direct BAI to Mastercard TTI

Visa Business Application Identifier (BAI)
Mastercard Transaction Type Indicator (TTI) via PPGS
AA
: Account to account
C52
: MoneySend account-to-account transfer
BB
: Business to business (does not apply to US)
C65
: MoneySend business-to-business transfer
BI
: Money transfer—bank initiated (US domestic only)
C07
: MoneySend person-to-person transfer
CO
: Cash out
C53
: MoneySend agent cash out
CP
: Card bill payment
C54
: MoneySend credit card bill payment
FD
: Funds disbursement (general)
C55
: MoneySend business disbursements
FT
: Funds transfer
C52
: MoneySend account-to-account transfer
GD
: Government disbursement
C56
: MoneySend government/non-profit disbursement
GP
: Gambling payouts
C04
: Gaming repay
LO
: Loyalty and offers
C55
: MoneySend business disbursements
MD
: Merchant disbursement
C57
: MoneySend acquirer merchant settlement
OG
: Online gambling payout
C04
: Gaming repay
PD
: Payroll/pension disbursement
C55
: MoneySend business disbursements
PP
: Person to person
C07
: MoneySend person-to-person transfer
TU
: Top-up for enhanced prepaid loads (does not apply for PPGS)
F64
: Transfer to own debit or prepaid card account
WT
: Wallet transfer
C52
: MoneySend account-to-account transfer

Testing the Pull Funds Transfer Service

The table lists action codes, their descriptions, HTTP status codes, response statuses, responses to
errorInformation.reason
 fields, and simulator trigger amounts. You can interpret and understand these codes when testing the Pull Funds Transfer Service.
Testing the Pull Funds Transfer Service
Visa Action Code
Visa Code Description
Cybersource HTTP Status Code
Cybersource Response Status
Cybersource Response
Simulator Trigger Amount
0
Approved and completed successfully
201
AUTHORIZED
All mandatory fields present
1
Refer to card issuer
201
DECLINED
CONTACT_PROCESSOR
1100.01
2
Refer to card issuer, special condition
201
DECLINED
CONTACT_PROCESSOR
1100.02
3
Invalid merchant
201
DECLINED
INVALID_MERCHANT_CONFIGURATION
1100.03
4
Pick up card (no fraud)
201
DECLINED
STOLEN_LOST_CARD
1100.04
5
Do not honor
201
DECLINED
PROCESSOR_DECLINED
1100.05
6
Error
201
DECLINED
PROCESSOR_DECLINED
1100.06
7
Pick up card, special condition (fraud account)
201
DECLINED
STOLEN_LOST_CARD
1100.07
10
Partial approval
201
PARTIAL_AUTHORIZED
PARTIAL_APPROVAL
1100.1
11
Approved (V.I.P)
201
AUTHORIZED
1100.11
12
Invalid transaction
201
DECLINED
PAYMENT_REFUSED
1100.12
13
Invalid amount or currency conversion field overflow
201
DECLINED
PAYMENT_REFUSED
1100.13
14
Invalid account number (no such number)
201
DECLINED
PROCESSOR_DECLINED
1100.14
15
No such issuer
201
DECLINED
ISSUER_UNAVAILABLE
1100.15
19
Re-enter transaction
201
DECLINED
PROCESSOR_DECLINED
1100.19
21
No action taken
201
DECLINED
PROCESSOR_DECLINED
1100.21
25
Unable to locate record in file
201
DECLINED
PROCESSOR_DECLINED
1100.25
28
File temporarily not available for update or inquiry
201
DECLINED
PROCESSOR_DECLINED
1100.28
39
No credit account
201
DECLINED
GENERAL_DECLINE
1100.39
41
Lost card, pick up (fraud account)
201
DECLINED
STOLEN_LOST_CARD
1100.41
43
Stolen card, pick up (fraud account)
201
DECLINED
STOLEN_LOST_CARD
1100.43
51
Not sufficient funds
201
DECLINED
INSUFFICIENT_FUND
1100.51
52
No checking account
201
DECLINED
PROCESSOR_DECLINED
1100.52
53
No savings account
201
DECLINED
PROCESSOR_DECLINED
1100.53
54
Expired card or expiration date is missing
201
DECLINED
EXPIRED_CARD
1100.54
55
Incorrect PIN or PIN missing
201
DECLINED
INVALID_PIN
1100.55
57
Transaction not permitted to cardholder
201
DECLINED
UNAUTHORIZED_CARD
1100.57
59
Suspected fraud
201
DECLINED
PROCESSOR_DECLINED
1100.59
61
Exceeds approval amount limit
201
DECLINED
EXCEEDS_CREDIT_LIMIT
1100.61
62
Restricted card (card invalid in this region or country)
201
INVALID_REQUEST
UNAUTHORIZED_CARD
1100.62
63
Security violation (source is not correct issuer)
201
DECLINED
ISSUER_UNAVAILABLE
1100.63
64
Transaction does not fulfill AML requirement
201
DECLINED
GENERAL_DECLINE
1100.64
65
Exceeds withdrawal frequency limit
201
INVALID_REQUEST
DEBIT_CARD_USAGE_LIMIT_EXCEEDED
1100.65
74
Different value than what is used for PIN encryption error
201
DECLINED
GENERAL_DECLINE
1100.74
75
Allowable number of PIN entry tries exceeded
201
INVALID_REQUEST
DEBIT_CARD_USAGE_LIMIT_EXCEEDED
1100.75
76
Unsolicited reversal
201
INVALID_REQUEST
MISSING_AUTH
1100.76
79
Already reversed (by switch)
201
INVALID_REQUEST
AUTH_ALREADY_REVERSED
1100.79
80
No financial impact
201
INVALID_DATA
INVALID_DATA
1100.80
81
Cryptographic error found in PIN
201
DECLINED
GENERAL_DECLINE
1100.81
82
Negative CAM, dCVV, iCVV, or CVV results
201
DECLINED
CVN_NOT_MATCH
1100.82
85
No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return
201
AUTHORIZED
1100.85
86
Cannot verify PIN; for example, no PVV
201
DECLINED
GENERAL_DECLINE
1100.86
89
Ineligible to receive financial position info (GIV)
201
DECLINED
PROCESSOR_DECLINED
1100.89
91
Issuer or switch inoperative and Stand-in Processing (STIP) not applicable or not available for this transaction; Time-out when no stand-in; POS (Point of Sale) Check Service: Destination unavailable; Credit Voucher and Merchandise Return Authorizations: V.I.P. sent the transaction to the issuer, but the issuer was unavailable.
201
DECLINED
PROCESSOR_DECLINED
1100.91
92
Duplicate transmission. Transaction submitted containing values in tracing data fields that duplicate values in a previously submitted transaction. This code is available in SMS raw data in case of duplicate transmission.
201
DECLINED
DUPLICATE_REQUEST
1100.92
93
Transaction cannot be completed-violation of law
201
DECLINED
PROCESSOR_DECLINED
1100.93
B1
Surcharge amount not permitted on Visa cards or EBT food stamps (US acquirers only)
201
DECLINED
GENERAL_DECLINE
11002.01
B2
Surcharge amount not supported by debit network issuer.
201
DECLINED
GENERAL_DECLINE
11002.02
N0
Force STIP
201
DECLINED
PROCESSOR_DECLINED
11002.03
N3
Cash service not available
201
DECLINED
PROCESSOR_DECLINED
11002.04
N4
Cash request exceeds issuer or approved limit
201
DECLINED
EXCEEDS_CREDIT_LIMIT
11002.05
N5
Ineligible for resubmission
201
INVALID_DATA
INVALID_DATA
11002.06
N7
Decline for CVV2 failure
201
DECLINED
CVN_NOT_MATCH
11002.07
N8
Transaction amount exceeds pre-authorized approval amount
201
INVALID_REQUEST
EXCEEDS_AUTH_AMOUNT
11002.08
Q1
Card authentication failed
201
DECLINED
GENERAL_DECLINE
11002.09
R0
Stop payment order
201
DECLINED
PROCESSOR_DECLINED
11002.1
R2
Revocation of authorization order
201
DECLINED
PROCESSOR_DECLINED
11002.11
R3
Revocation of all authorizations order
201
DECLINED
PROCESSOR_DECLINED
11002.12
T0
First-time check
201
DECLINED
PROCESSOR_DECLINED
11002.13
T1
Check is OK, but cannot be converted
201
DECLINED
PROCESSOR_DECLINED
11002.14
T2
Invalid routing transit number
201
DECLINED
PROCESSOR_DECLINED
11002.15
T3
Amount greater than established service limit
201
DECLINED
EXCEEDS_CREDIT_LIMIT
11002.16
T4
Unpaid items, failed negative file check (POS Check Service, US only)
201
DECLINED
PROCESSOR_DECLINED
11002.17
T5
Duplicate check number
201
DECLINED
PROCESSOR_DECLINED
11002.18
T6
MICR error
201
DECLINED
PROCESSOR_DECLINED
11002.19
T7
Too many checks
201
DECLINED
PROCESSOR_DECLINED
11002.2
Y1
Offline-approved
201
AUTHORIZED
SUCCESS
11002.21
Y3
Unable to go online; offline-approved
201
AUTHORIZED
SUCCESS
11002.22
Z1
Offline-declined
201
DECLINED
PROCESSOR_DECLINED
11002.23
Z3
Unable to go online; offline-declined
201
DECLINED
PROCESSOR_DECLINED
11002.24
NA
The
POST
 transaction timed out. If the API is not able to complete the transaction within 30 seconds (default) or within the timeout duration set in the HTTP header, it will respond with an
202
 HTTP Status Code and a
statusIdentifier
 value that can be used in the
GET
 operation as the
statusIdentifier
 in the URI.
201
SERVER_ERROR
GATEWAY_TIMEOUT
2.02
NA
The API detected a duplicate transaction.
201
INVALID_REQUEST
DUPLICATE_REQUEST
3.03
NA
The transaction was rejected by Visa due to a message validation error.
201
INVALID_REQUEST
INVALID_DATA
40030.01
NA
Velocity limit exceeded
201
INVALID_REQUEST
INVALID_DATA
40080.01
NA
This is returned due to client certificate does not matched with the one issued by Visa.
201
SERVER_ERROR
SYSTEM_ERROR
40191.25
NA
This is returned if user credentials are wrong.
201
SERVER_ERROR
SYSTEM_ERROR
40191.23/ 40191.24
NA
The URL access is not permitted.
201
SERVER_ERROR
SYSTEM_ERROR
40396.11
NA
The message contains an invalid Primary Account Number (PAN)
201
INVALID_REQUEST
INVALID_DATA
40430.01
NA
The URL is invalid or the Resource could not be found.
201
INVALID_REQUEST
INVALID_DATA
4.04
NA
These are returned when an internal server error occurs.
201
SERVER_ERROR
SYSTEM_ERROR
50010.01/ 50020.01
NA
These are returned when a
Cybersource
 server error occurs.
201
SERVER_ERROR
SYSTEM_ERROR
5.02
NA
This may be due to network connectivity issue.
201
SERVER_ERROR
SERVICE_UNAVAILABLE
5.03
NA
Timeout which may be due to network connectivity issue.
201
SERVER_ERROR
GATEWAY_TIMEOUT
5.04

Test Card Numbers

Use the Mastercard or Visa test payment card numbers to test the Pull Funds Transfer service. Do not use real payment card numbers. For test card numbers, see Testing Guides.
You can use any of the testing card numbers in the linked guide, unless you are testing cross-border transactions. If you are testing a cross-border transaction, you must ensure that your specific scenario uses these fields and configurations:
  • Use a sender test card that contains a BIN for the card-issuer country.
  • Ensure that the merchant address country is correctly set in the Cybersource system.
  • Ensure that the acquirer country is correctly set in the payouts configuration.
You can find domestic and cross-border identification in the Visa Direct AFT Processing Guide. For more information about domestic and cross border identification, see the Visa Direct AFT Processing Guide.