Visa Original Credit Transfers (OCT)
Available soon
A Visa Original Credit Transfer (OCT) is a money transfer that allow funds to be pushed directly onto a user's eligible debit, credit, or prepaid card in real-time or near real-time. Unlike standard transactions that credit accounts, these payment types are used for fast disbursements or refunds.
In order to initiate a Visa OCT you will need to use the following requestType 'PaymentCardCreditTransaction' for an ecommerce transaction.
The table provides an overview of all mandatory and optional fields to be included in the API request in case you are eligible to perform such a transaction:
| Attribute | Mandatory / Optional / Conditional | Description |
|---|---|---|
order.additionalDetails. businessApplicationIdentifier | C | Indicates the intended use of the transaction. For Visa only. Possible values: '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 |
order.purposeOfPaymentCode | C | Merchants accepting cards issued in India, Bangladesh, Argentina and/or Egypt require it for VISA Original Credit Transfer Transactions. |
Sender information
The following attributes need to be sent depending on the chosen business purpose and are located under senderReceiverInfo.senderInfo:
| Attribute | Mandatory / Optional / Conditional | Description |
|---|---|---|
name | O | Full name of sender |
firstName | O | First name of sender |
middleName | O | Middle name of sender |
lastName | O | Last name of sender |
streetAddress | O | Address line 1 of sender |
city | O | City of sender |
stateCode | O | ISO state code of sender |
countryCode | O | ISO country code of sender |
postalCode | O | Postal code of sender |
phoneNumber | O | Sender phone number. This field allows phone number including optional plus sign, country codes and commonly used separators like space, dot, hyphen and parenthesis. |
birthDate | O | Date of birth of sender (YYYYMMDD) |
referenceNumber | O | Reference number of sender |
accountNumber | O | Account number of sender |
accountType | O | Type of sender account number. Possible values: see yaml file |
participationId | O | Participation ID of sender |
Receiver information
The following attributes need to be sent depending on the chosen business purpose and are located under senderReceiverInfo.receiverInfo:
| Attribute | Mandatory / Optional / Conditional | Description |
|---|---|---|
name | O | Full name of receiver |
firstName | O | First name of receiver |
middleName | O | Middle name of receiver |
lastName | O | Last name of receiver |
streetAddress | O | Address line 1 of receiver |
city | O | City of receiver |
stateCode | O | ISO state code of receiver |
countryCode | O | ISO country code of receiver |
postalCode | O | Postal code of receiver |
phoneNumber | O | Receiver phone number. This field allows phone number including optional plus sign, country codes and commonly used separators like space, dot, hyphen and parenthesis. |
referenceNumber | O | Reference number of receiver |
accountNumber | O | Account number of receiver |
accountType | O | Type of account number. Possible values: see yaml file |
Updated about 4 hours ago
