Original Credit Transaction

Original Credit Transaction (OCT) is the Funds Transfer API provides functionality to push funds to the recipient's Visa account.

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Endpoint

Method: POST
URL: http://localhost:4041/rpc/VisaDirectService/OriginalCreditTransaction

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Request

Payload Parameters

Parameter	Type	Mandatory	Description
recipientPrimaryAccountNumber	string	No	16-digit PAN or token for the account of the recipient of the push payment.
businessId	string	Yes	Identifies the program's business application type for VisaNet transaction processing.
transactionCurrencyCode	string	Yes	3-character alpha or numeric currency code for the sender's currency.
recipientName	string	No	Name of the receiver.
amount	float	Yes	Amount to be sent.
merchantCategoryCode	string	No	If provided, overrides the value present in onboarding data.
purposeOfPayment	string	Yes	Payment purpose.
programId	string	No	ID assigned while creating the program.
batchId	string	No	Used for batch transactions to identify the batch.
senderAccountNumber	string	Yes	Account number of the sender.
endToEndID	string	Yes	ID given to track the transaction from initiation to completion.
recipientCardExpiryDate	string	No	Card expiry date of the receiver.
cardToken	string	Yes	Token containing the card number and card expiry date.
serviceProcessingType	object	No	Specifies whether the transaction is deferred OCT or instant OCT.
serviceProcessingType.requestType	string	No	OCT type.
serviceProcessingType.deferredDateTime	string	No	Time when the deferred OCT should occur.

Sample Request

{
    "businessId": "BP",
    "senderAccountNumber": "4060320000000127",
    "amount": "343434",
    "transactionCurrencyCode": "USD",
    "purposeOfPayment": "billing",
    "endToEndID": "343434",
    "cardToken": "cfbedf58cb79ba81ee9aafecad212d5a",
    "serviceProcessingType": {
        "requestType": "00"
    }
}

Sample Response

{
    "referenceNumber": "2f580fbbf833449a878782a6d9a10668"
}