👍

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

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 AddtlTxData entry using this format: /<key>/<value>
• 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

Sender information

Receiver information

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>

Money Transfer Linkage ID

Use the Money Transfer Linkage ID to associate a funding transaction with its related payment transaction.

When available, the funding response returns the linkage ID. Send that same value in the related payment request.

Note: Money Transfer Linkage ID and scheme transaction ID

The Money Transfer Linkage ID is a separate value from the scheme transaction ID in Tx/IntrchngData. The values can be identical for some Visa transactions but can differ for Mastercard MoneySend. Always use the value identified by IPG:MoneyTransferLinkageId when linking the two transactions.

Retrieve the linkage ID from the funding response

When a linkage ID is available, the AcceptorAuthorisationResponse contains an additional relay identifier at:

Document/AccptrAuthstnRspn/Hdr/Tracblt/RlayId

Locate the RlayId element whose Id is IPG:MoneyTransferLinkageId. The linkage value is returned in ShrtNm.

<Hdr>
  ...
  <Tracblt>
    <RlayId>
      <Id>IPG:MoneyTransferLinkageId</Id>
      <Tp>CISS</Tp>
      <ShrtNm>0001234261712345601</ShrtNm>
    </RlayId>
    ...
  </Tracblt>
</Hdr>

Other relay identifiers can be present in Hdr/Tracblt. Identify this value by RlayId/Id; do not rely on the element's position.

If no Money Transfer Linkage ID is available, the response does not contain an empty RlayId for it.

Send the linkage ID in the payment request

For the related Visa OCT or Mastercard MoneySend Payment transaction, use TxTp=CAFH and add the linkage ID as a separate Tx/AddtlTxData entry:

<TxTp>CAFH</TxTp>
<AddtlTxData>/MoneyTransferLinkageId/0001234261712345601</AddtlTxData>

Use the exact format:

/MoneyTransferLinkageId/{value}

The value must:

• be the value returned in RlayId/ShrtNm for the related funding transaction;
• not be empty or contain only spaces;
• contain no more than 19 characters; and
• be sent unchanged, without using the scheme transaction ID as a substitute.

Omit this AddtlTxData entry when the payment transaction is not linked to a funding transaction.

End-to-end example

1. Submit the funding transaction

Submit a Visa AFT or Mastercard MoneySend Funding request with TxTp=CAFL and the data required for the selected money-transfer use case.

2. Store the linkage ID from the response

From the successful funding response, select the relay identifier with Id=IPG:MoneyTransferLinkageId and store its ShrtNm value:

<RlayId>
  <Id>IPG:MoneyTransferLinkageId</Id>
  <Tp>CISS</Tp>
  <ShrtNm>0001234261712345601</ShrtNm>
</RlayId>

3. Submit the related payment transaction

Include the stored value in the Visa OCT or Mastercard MoneySend Payment request:

<Tx>
  ...
  <TxTp>CAFH</TxTp>
  ...
  <AddtlTxData>/MoneyTransferLinkageId/0001234261712345601</AddtlTxData>
  ...
</Tx>

Continue to include all other AddtlTxData entries required for the selected Visa OCT or Mastercard MoneySend Payment use case.