Visa Direct

The use of a AFT (Account Funding Transaction) is not required to conduct a OCT (Original Credit Transaction) and the use of a OCT is not required to conduct a AFT.

When implementing AFTs for VISA you must populate data tag 12 in AdditionalData.

Transaction Type

For AFT use the appropriate transaction type. See Transaction types.

AFT (Account Funding Transaction/Pull Funds)

AFT is a transaction used to "pull" funds from a card account.

MCC codes

There are 6 MCC codes that are supported to AFT.

MCC	Description
4829	Non-Financial Institution Wire Transfer Money Orders
6211	Brokerage
6012	Financial Institutions – Merchandise and Services
6540	Non-Financial Institutions – Stored Value Card Purchase/Load
6051	Non-Financial Institutions – Foreign Currency, Non-Fiat Currency (example, Crypto-currency), Money Orders (not Money Transfer), Account Funding (not Stored Value Load), Travelers Cheques, and Debt Repayment
8931	Accounting, Auditing, and Bookkeeping services including Payroll
7995	Gambling and online casinos

Business Application Identifier (BAI)

The BAI will be added to additional data tag 12 subfield 02.

Allowed BAI's for MCC's in AFT

Type	BAI	4829	6211	6012	6540	6051	8931	7995
Account-to-Account	AA	X	X	X
Financial Institution-offered Bank-Initiated P2P Money Transfer	BI			X
Funds Transfer	FT	X	X	X	X	X		X
Person-to-person	PP	X		X
Funds Disbursement	FD	X	X	X	X	X
Merchant Payment	MP			X
Payroll Disbursement	PD					X	X
Prepaid card load or top-up	TU			X	X	X
Liquid assets	LA		X	X		X

Extra information about BAI and MCC

For Funds Disbursement, BAI = FD, any MCC associated to the merchant can be used.

Fields

For Visa Direct AFT there are 2 subelements which all have subfields. These subelements will be added to additional data tag 12. Then there is the information of the Account Owner which is added to tag 13.

Subelement	Description
01	Recipient/Sender Data
02	BAI/IsCrossBorder/Purpose of Payment

All subelements and subfields are TLV (Tag-Length-Value) parameters.

Tag (subelement or subfield) defined as alphanumerical, two characters long.

Length is defined as a three numerical characters, i.e possible values 001-999.

Value is defined as the format is given in the tables for subfields (Mandatory subfields, Conditional subfields, Optional subfields).

Subfields

X = Mandatory

C = Conditional

O = Optional

Parameter	Tag	Subelement	Subfield	Domestic	CrossBorder
Sender Reference Number Format: ans...16	12	01	01	C	C
Sender Account Number Format: ans...34	12	01	02	C	C
Sender Name Format: ans...30	12	01	03	X	X
Sender Address Format: ans...35	12	01	04	O	X
Sender City Format: ans...25	12	01	05	O	X
Sender State Format: an 2	12	01	06	O	O
Sender Country Format: an 3	12	01	07	O	X
Sender Postal Code Format: an...10	12	01	10	O	O
Recipient Name Format: an...30	12	01	0A	X	X
Recipient City Format: an...25	12	01	0C	O	O
Recipient Country Format: an...25	12	01	0D	O	O
Business Application Identifier (BAI) Format: an...25	12	02	01	X	X
Cross-Border Transaction Format: n 1	12	02	02	X	X
Purpose of Payment Format: an 6	12	02	03	C	C
Source of Funds Format: an 2	12	02	08	O	O
Account Reference Code Format: n 2	13	80	-	O	O
Account Owner City Name Format: ans...25	13	8B	-	O	O
Account Owner Country Code Format: a 3	13	8E	-	O	O
Account Owner Address Format: ans...50	13	86	-	O	O
Account Owner Postal Code Format: ans...16	13	8A	-	O	O
Account Owner Country Subdivision Code Major Format: ans...3	13	8D	-	O	O
Account Owner Nationality Format: a 3	13	8F	-	O	O
Account Owner Country of Birth Format: a 3	13	90	-	O	O
Account Owner Occupation Format: ans...35	13	91	-	O	O
Account Owner Date of Birth Format: n 8	13	92	-	X	X
Account Owner email address personal Format: ans...99	13	97	-	O	O

Additional Information for Subfields

When identifying a country (Sender Country, Recipient Country) use the numeric Country Code as seen from VISA ISO Country Codes

Subfield 02 in Subelement 02 is number that tells if the transaction will be cross-border or not.

0 = that the transaction is not a Cross-Border Transaction, meaning a Domestic transaction.
1 = that the transaction is a Cross-Border Transaction.

Sender Reference Number (subelement 01 - subfield 01)

The Sender Reference Number inclusion is conditional if the sender’s account number is not available or not applicable to the transaction. Otherwise it is optional for Domestic and Cross-Border Money and Non-money Transfer AFTs.

Sender Account Number (sublelement 01 - subfield 02)

The Sender Account Number is Mandatory for Europe intra-EEA cross-border. Else it is conditional if their is no sender reference number.

Account Reference Code (Tag 80) and sender or recipient name

When Field 56, Dataset 05 (Account Owner data) is present on a Visa AFT, Tag 80 (Account Reference Code) is required so Visa can identify whether the data refers to the sender or the recipient.

Additional local rules may apply:

South Africa: Required for cross-border AFT transactions.
Colombia: Mandatory for domestic AFT transactions.

Purpose of Payment (subelement 02 - subfield 03)

This field contains a code that describes the purpose of payment to classify and report the nature and purpose of the transaction.

The following countries must send the Purpose of Payment: Argentina, Bangladesh, Chile, Colombia, Egypt, India and Saudi Arabia. Other countries have the option to send the code.

Purpose of Payment Standardized Codes List

Code Description	Code to be Used
Account management	ISACCT
Transaction is the payment of allowance	ISALLW
Settlement of annuity	ISANNI
Unemployment disability benefit	ISBENE
Business expenses	ISBEXP
Bonus payment	ISBONU
Bus transport related business	ISBUSB
Cash management transfer	ISCASH
Payment of cable TV bill	ISCBTV
Government institute issued related to cash compensation, helplessness, and disability	ISCCHD
Credit card payment	ISCCRD
Payment of credit card bill	ISCDBL
Payment for charity reasons	ISCHAR
Collection payment	ISCOLL
Commercial payment	ISCOMC
Commission	ISCOMM
Compensation relating to interest loss/value date adjustment and can include fees	ISCOMP
Payment of copyright	ISCPYR
Related to a debit card payment	ISDCRD
Payment of a deposit	ISDEPT
Payment of dividend	ISDIVD
Payment of study/tuition fees	ISEDUC
Payment of electricity bill	ISELEC
Energies	ISENRG
General fees	ISFEES
Payment for ferry related business	ISFERB
Foreign exchange	ISFREX
Payment of gas bill	ISGASB
Compensation to unemployed persons during insolvency procedures	ISGFRP
Government payment	ISGOVT
Health insurance	ISHLTI
Reimbursement of credit card payment	ISICCP
Reimbursement of debit card payment	ISIDCP
Payment of car insurance premium	ISINPC
Transaction is related to the payment of an insurance claim	ISINSC
Installment	ISINSM
Insurance premium	ISINSU
Payment of mutual funds, investment products and shares	ISINVS
Intra company payment	ISINTC
Interest	ISINTE
Income tax	ISINTX
Investment	ISINVS
Labor insurance	ISLBRI
License fee	ISLICF
Life insurance	ISLIFI
Loan	ISLOAN
Medical services	ISMDCS
Mobile P2B payment	ISMP2B
Mobile P2P payment	ISMP2P
Mobile top up	ISMTUP
Transaction is related to a payment of other telecom related bill	ISOTLC
Payroll	ISPAYR
Contribution to pension fund	ISPEFC
Pension payment	ISPENS
Payment of telephone bill	ISPHON
Property insurance	ISPPTI
Transaction is for general rental/lease	ISRELG
The payment of rent	ISRENT
Payment for railway transport related business	ISRLWY
Royalties	ISROYA
Salary payment	ISSALA
Payment to savings/retirement account	ISSAVG
Securities	ISSECU
Social security benefit	ISSSBE
Study	ISSTDY
Subscription	ISSUBS
Supplier payment	ISSUPP
Refund of a tax payment or obligation	ISTAXR
Tax payment	ISTAXS
Transaction is related to a payment of telecommunications related bill	ISTBIL
Trade services operation	ISTRAD
Treasury payment	ISTREA
Payment for travel	ISTRPT
Utility bill payment	ISUBIL
Value added tax payment	ISVATX
With holding	ISWHLD
Payment of water bill	ISWTER
Not otherwise specified	ISNOWS
Other	ISOTHR

Payment facilitator address fields

The following parameters should be provided when doing cross-border AFT's. PaymentFacilitatorStreetAddress
PaymentFacilitatorCityName
PaymentFacilitatorStateProvinceCode
PaymentFacilitatorPostalCode
PaymentFacilitatorCountryCode

Cross-border AFT/OCT regional data requirements

Visa enforces AML data requirements on cross-border AFT and OCT transactions destined for specific countries. When a mandatory field is missing, Visa returns decline code 64 (Transaction does not fulfill AML requirement).

Destined for New Zealand

MerchantStreet (Acceptor Street Address, ISO 34.02.CO) is mandatory.

Destined for Saudi Arabia

Purpose of Payment (additional data tag 12, subelement 02, subfield 03) is mandatory. Send one of the standardized codes listed above.

Destined for Australia or New Zealand

When Account Owner data (additional data tag 13) is present and Tag 80 (Account Reference Code) = 06, the Account Owner Address (tag 86) is mandatory.

North America specification

When implementing AFTs for VISA to and from North America you must populate data tag 13 in AdditionalData.

This is information of the Account Owner for the AFT.

Description	Subfield	Format
Account Owner City Name	8B	ans ...25
Account Owner Country Code	8E	a 3
Account Owner Address	86	ans ...50
Account Owner Postal Code	8A	ans ...16
Account Owner Country Subdivision Code Major	8D	ans ...3

For all transactions to and from Canada the following must be populated: Account Owner City Name, Account Owner Country Code, Account Owner Address, Account Owner Postal Code.

List of all subdivison codes

If the Account Owner Country Code is CAN or USA the Account Owner Country Subdivision Code Major must be populated as well.

An example of Country Subdivision Code Major.

In Canada for Ontario the subdivision code is ON.

In USA for Florida the subdivision code is FL.

Example of legal Tag 13.

Canada : 8B007Toronto8E003CAN86012MainStreet 18A0031058D002ON.

USA : 8E003USA8D002FL.

Account Identifier

When implementing AFTs for VISA for extra information, you can populate data tag 14 in AdditionalData.

This is information of the Account Identifier for the AFT.

Description	Subfield	Format
Account Identifier Value	83	ans ...34
Account Identifier Type Code	84	an 2

The Account Identifier Value contains the account identifier value of the recipient. And will be sent recipient issuer.

The Account Identifier Type Code contains the account identifier type. The following are the 9 options possible to send in:

00 (Other)
01 (RTN + Bank Account)
02 (IBAN)
03 (Card Account)
04 (Email)
05 (Phone Number)
06 (Bank account number (BAN) + Bank Identification Сode (BIC))
07 (Wallet ID)
08 (Social Network ID)

Examples

This is a correct string for additional data tag 12 for a AFT transaction

121350110102016411111111111111103011Jon Jonsson04013Laugarvegur 105009Reykjavik070033520A019Gunna Gunnarsdottir0202401002FD02001103006ISACCT

Lets break it down to understand it better.

additionalDataTag12 = 121350110102016411111111111111103011Jon Jonsson04013Laugarvegur 105009Reykjavik070033520A019Gunna Gunnarsdottir0202401002FD02001103006ISACCT

12 135 
    01 101
        02 016 4111111111111111
        03 011 Jon Jonsson
        04 013 Laugarvegur 1
        05 009 Reykjavik
        07 003 352
        0A 019 Gunna Gunnarsdottir
    02 024 
        01 002 FD
        02 001 1
        03 006 ISACCT

Code Example

// Subelement 01

var senderAccountNumber = "4111111111111111";
var senderName = "Jon Jonsson";
var senderAddress = "Laugarvegur 1";
var senderCity = "Reykjavik";
var senderCountry = "352";
var recipientName = "Gunna Gunnarsdottir";

var subelement01 = "02" + senderAccountNumber.Length.ToString("000") + senderAccountNumber 
                           + "03" + senderName.Length.ToString("000") + senderName
                           + "04" + senderAddress.Length.ToString("000") + senderAddress 
                           + "05" + senderCity.Length.ToString("000") + senderCity 
                           + "07" + senderCountry.Length.ToString("000") + senderCountry
                           + "0A" + recipientName.Length.ToString("000") + recipientName;


//Subelement 02

var bai = "FD";
var isDomestic = "1";
var pop = "ISACCT";
var subelement02 = "01" + bai.Length.ToString("000") + bai
                   + "02" + isDomestic.Length.ToString("000") + isDomestic
                   + "03" + pop.Length.ToString("000") + pop;
//Additional data tag 12

var additonalDataTag12 = "01" + subelement01.Length.ToString("000") + subelement01 +"02" + subelement02.Length.ToString("000") + subelement02;

additonalDataTag12 = "12" + additonalDataTag12.Length.ToString("000") + additonalDataTag12;