Money Transfer
Available soon
This feature is only available in EMEA. In addition, your account must be enabled for each transaction type.
This page describes how to submit Visa Account Funding Transaction (AFT), Visa Original Credit Transaction (OCT), Mastercard MoneySend Funding, and Mastercard MoneySend Payment transactions through the NEXO interface.
All flows use AcceptorAuthorisationRequest. The transaction direction is identified by the NEXO transaction type (TxTp), and scheme-specific data is provided through repeated AddtlTxData entries.
Supported Transaction Flows
| Flow | Tx.TxTp | Direction |
|---|---|---|
| Visa AFT | Use value 'CAFL' | Funding / pull |
| Mastercard MoneySend Funding | Use value 'CAFL' | Funding / pull |
| Visa OCT | Use value 'CAFH' | Payment / push |
| Mastercard MoneySend Payment | Use value' CAFH' | Payment / push |
Additional Data
- Sender data, receiver data, source of funds, purpose of payment, and scheme-specific identifiers must be sent in
Tx/AddtlTxData. - Each value must be sent as a separate
AddtlTxDataentry using this format: // - Do not send empty values. Omit optional entries when no value is available.
- Account numbers, names, phone numbers, email addresses, and date of birth values are sensitive data and should only be included when required for the selected use case.
Scheme-specific data
| Key | Presence | Value |
|---|---|---|
| 'BusinessApplicationIdentifier' | C | Must be present for Visa AFT or OCT. Possible values for AFT: 'ACCOUNT_TO_ACCOUNT' for AA 'BANK_INITIATED_TRANSFER' for BI 'FUNDS_DISBURSEMENT' for FD 'FUND_TRANSFER' for FT 'LIQUID_ASSETS' for LA 'MERCHANT_PAYMENT' for MP 'PAYROLL_OR_PENSION_DISBURSEMENT' for PD 'PERSON_TO_PERSON' for PP 'TOPUP_FOR_ENHANCED_PREPAID_LOADS' for TU 'WALLET_TRANSFER' for WT Possible values for OCT: 'ACCOUNT_TO_ACCOUNT' for AA 'BANK_INITIATED_TRANSFER' for BI 'BUSINESS_TO_BUSINESS' for BB 'CARD_BILL_PAYMENT' for CP 'CASH_DEPOSIT' for CD 'CUSTOMER_BILL_PAYMENT' for CB 'FUNDS_DISBURSEMENT' for FD 'FUND_TRANSFER' for FT 'GAMBLING_PAYOUT' for GP 'GOVERNMENT_DISBURSEMENT' for GD 'LIQUID_ASSETS' for LA 'LOYALTY_PAYMENTS' for LO 'FAST_REFUND' for MI 'MERCHANT_DISBURSEMENT' for MD 'NON_CARD_BILL_PAYMENT' for BP 'ONLINE_GAMBLING_PAYOUT' for OG 'PAYROLL_OR_PENSION_DISBURSEMENT' for PD 'PERSON_TO_PERSON' for PP 'REQUEST_TO_PAY_SERVICE' for RP 'TOPUP_FOR_ENHANCED_PREPAID_LOADS' for TU 'WALLET_TRANSFER' for WT |
| 'TransactionTypeIdentifier' | C | Must be present for Mastercard MoneySend Funding or Payment. Possible values for Funding: 'AGENTS_CASH_OUT_MONEY_TRANSFER' for F53 'AGENTS_CASH_OUT_MONEY_SEND' for C53 'BUSINESS_DISBURSEMENT_MONEY_SEND' for C55 'BUSINESS_DISBURSEMENT_MONEY_TRANSFER' for F55 'BUSINESS_TO_BUSINESS_MONEY_SEND' for C56 'BUSINESS_TO_BUSINESS_MONEY_TRANSFER' for F65 'CARD_BILL_PAYMENT_MONEY_SEND' for C54 'CARD_BILL_PAYMENT_MONEY_TRANSFER' for F54 'GOVERNMENT_DISBURSEMENT_NONPROFIT' for C56 'OWN_ACCOUNT_MONEY_SEND' for C52 'OWN_ACCOUNT_MONEY_TRANSFER' for F52 'OWN_DEBIT_PREPAID_TRANSFER' for F64 'OWN_WALLET_TRANSFER' for F61 'PERSON_TO_PERSON_CARD_ACCOUNT' for F08 'PERSON_TO_PERSON_MONEY_SEND' for C07 'PERSON_TO_PERSON_MONEY_TRANSFER' for F07 'RAPID_MERCHANT_SETTLEMENT' for C57 Possible values for Payment: 'AGENTS_CASH_OUT_MONEY_SEND' for C53 'BUSINESS_DISBURSEMENT_MONEY_SEND' for C55 'BUSINESS_TO_BUSINESS_MONEY_SEND' for C56 'CARD_BILL_PAYMENT_MONEY_SEND' for C54 'CASH_IN_AT_ATM' for C58 'CASH_IN_AT_PO' for C59 'FAST_REFUND_TO_ORIGINAL_CARD' for C60 'GAMBLING_PAYOUT' for C04 'GOVERNMENT_DISBURSEMENT_NONPROFIT' for C56 'ONLINE_GAMBLING_PAYOUT' for C04 'OWN_ACCOUNT_MONEY_SEND' for C52 'PERSON_TO_PERSON_MONEY_SEND' for C07 'RAPID_MERCHANT_SETTLEMENT' for C57 |
| 'SourceOfFunds' | O | Possible values: CREDIT_ACCOUNT DEBIT_ACCOUNT PREPAID_ACCOUNT CASH DEPOSIT_ACCOUNT MOBILE_MONEY_ACCOUNT |
| 'PurposeOfPayment' | C | Merchants accepting cards issued in India, Bangladesh, Argentina and/or Egypt require it for VISA Original Credit Transfer Transactions. The value is use-case-specific. |
Sender information
| Key | Presence | Value |
|---|---|---|
| 'Sender/AccountNumber' | O | Account number of sender |
| 'Sender/AccountType' | C | Must be present if key 'Sender/AccountNumber' is sent. |
| 'Sender/FirstName' | O | Split-name field for first name of sender |
| 'Sender/MiddleName' | O | Split-name field for middle name of sender |
| 'Sender/LastName' | O | Split-name field for last name of sender |
| 'Sender/Address' | O | Street/address line of sender |
| 'Sender/City' | C | City of the sender. Must be present if key 'Sender/Address' is sent. |
| 'Sender/State' | O | State or region of sender |
| 'Sender/PostalCode' | C | Postal code of the sender. Must be present if key 'Sender/Address' is sent. |
| 'Sender/Country' | C | Country of sender. Must be present if key 'Sender/Address' is sent. Expected format: ISO 3166-1 alpha-3, e.g. 'DEU' for Germany |
| 'Sender/PhoneNumber' | O | Phone number of the sender incl. prefix for country. E.g. '0049' or '+49' for Germany |
| 'Sender/DateOfBirth' | O | Date of birth of sender. Expected format: yyyyMMdd |
| 'Sender/ParticipationId' | O | Participation ID of sender |
| 'Sender/ReferenceNumber' | O | Reference number of sender |
| 'Sender/Nationality' | O | Nationality of sender. Expected format: ISO 3166-1 alpha-3, e.g. 'DEU' for Germany |
| 'Sender/BirthCountry' | O | Date of birth of sender. Expected format: yyyyMMdd |
| 'Sender/Email' | O | Email address of sender |
Receiver information
| Key | Presence | Value |
|---|---|---|
| 'Receiver/AccountNumber' | O | Account number of receiver |
| 'Receiver/AccountType' | C | Must be present if key 'Receiver/AccountNumber' is sent. |
| 'Receiver/FirstName' | O | Split-name field for first name of receiver |
| 'Receiver/MiddleName' | O | Split-name field for middle name of receiver |
| 'Receiver/LastName' | O | Split-name field for last name of receiver |
| 'Receiver/Address' | O | Street/address line of receiver |
| 'Receiver/City' | C | City of the sender. Must be present if key 'Receiver/Address' is sent. |
| 'Receiver/State' | O | State or region of receiver |
| 'Receiver/PostalCode' | C | Postal code of the sender. Must be present if key 'Receiver/Address' is sent. |
| 'Receiver/Country' | C | Country of sender. Must be present if key 'Sender/Address' is sent. Expected format: ISO 3166-1 alpha-3, e.g. 'DEU' for Germany |
| 'Receiver/PhoneNumber' | O | Phone number of the receiverincl. prefix for country. E.g. '0049' or '+49' for Germany |
| 'Receiver/DateOfBirth' | O | Date of birth of receiver. Expected format: yyyyMMdd |
| 'Receiver/ParticipationId' | O | Participation ID of receiver |
| 'Receiver/ReferenceNumber' | O | Reference number of receiver |
| 'Receiver/Nationality' | O | Nationality of receiver. Expected format: ISO 3166-1 alpha-3, e.g. 'DEU' for Germany |
| 'Receiver/BirthCountry' | O | Date of birth of receiver. Expected format: yyyyMMdd |
| 'Receiver/Email' | O | Email address of receiver |
Example (data for Visa OCT)
<TxTp>CAFH</TxTp>
<AddtlTxData>/BusinessApplicationIdentifierValue/FT</AddtlTxData>
<AddtlTxData>/SourceOfFunds/DEBIT_ACCOUNT</AddtlTxData>
<AddtlTxData>/purposeOfPayment/P2P</AddtlTxData>
<AddtlTxData>/Sender/AccountNumber/123xxxxx890</AddtlTxData>
<AddtlTxData>/Sender/AccountType/CARD_ACCOUNT_NO</AddtlTxData>
<AddtlTxData>/Sender/FirstName/John</AddtlTxData>
<AddtlTxData>/Sender/MiddleName/Martin</AddtlTxData>
<AddtlTxData>/Sender/LastName/Jackson</AddtlTxData>
<AddtlTxData>/Sender/Country/DEU</AddtlTxData>
<AddtlTxData>/Receiver/AccountNumber/444xxxxxxxxx21111</AddtlTxData>
<AddtlTxData>/Receiver/AccountType/CARD_ACCOUNT_NO</AddtlTxData>
<AddtlTxData>/Receiver/FirstName/Jane</AddtlTxData>
<AddtlTxData>/Receiver/LastName/Miller</AddtlTxData>
<AddtlTxData>/Receiver/Country/DEU</AddtlTxData>
