Sender data for Card Payouts

Last updated: April 29, 2022

If you're sending a card payout on behalf of another person (a money transfer), or a business/government entity (a third-party funds disbursement), you must include the details of that person or entity in the processing.senderInformation object in your payout request. You can see example payout requests with sender data on our Card Payouts page.

The data you need to provide depends on the card scheme:

Note

If you don't provide sender data when it's required, your transaction will be declined.

Information

For more details about sender data requirements, please contact your implementation manager.

Fund transfer type = AA, PP, FT

The following table outlines the fields which should be included in the processing.senderInformation object.

Field name	UK/EU domestic	Cross-border	Notes
`reference` string	required (if `accountNumber` not available)	required (if `accountNumber` not available)	The merchant's unique customer ID. Up to 16 alphanumeric characters.
`accountNumber` string	required (if available)	required (if available)	Up to 19 characters.
`first_name` string	required	required	The full name must be provided. This information will show on the cardholder's statement. Up to 15 characters.
`last_name` string	required	required	The full name must be provided. This information will show on the cardholder's statement. Up to 15 characters.
`address` string	required	required	Required under UK law. Up to 35 characters.
`city` string	required	required	Up to 25 characters.
`state` string	n/a	required	Up to 3 characters.
`country` string	required	required (if applicable)	Up to 2 characters.
`sourceOfFunds` string	conditional	conditional	Possible values: `Credit` `Debit` `Prepaid` `DepositAccount` `MobileMoneyAccount` `Cash` `sourceOfFunds` is mandatory when the issuer country is South Africa, and recommended for all

Fund transfer type = FD

The following table outlines the fields which should be included in the processing.senderInformation object.

Field name	UK/EU domestic	Cross-border	Notes
`reference` string	required	required	The merchant's unique customer ID. Up to 16 alphanumeric characters.
`accountNumber` string	optional	optional	Up to 19 characters.
`first_name` string	required	required	Merchant or government entity name. This information will show on the cardholder's statement. Up to 15 characters.
`last_name` string	required	required	Merchant or government entity name. This information will show on the cardholder's statement. Up to 15 characters.
`address` string	required	required	Required under UK law. Up to 35 characters.
`city` string	recommended	required	Up to 25 characters.
`state` string	n/a	required (if applicable)	Up to 3 characters.
`country` string	required	required	Up to 2 characters.
`sourceOfFunds` string	conditional	conditional	Possible values: `Credit` `Debit` `Prepaid` `DepositAccount` `MobileMoneyAccount` `Cash` `sourceOfFunds` is mandatory when the issuer country is South Africa, and recommended for all

Non-Visa products

Merchants are responsible for identifying the source of funds for non-Visa products and correctly populating the sourceOfFunds field.

Fund transfer type = AA, PP, FT

The following table outlines the fields which should be included in the processing.senderInformation object.

Field name	UK/EU domestic	Cross-border	Notes
`first_name` string	required	required	Legal first name of sender. Do not use processor or intermediary name. This information will show on the cardholder's statement. Up to 15 characters. Alphanumeric characters only; no spaces.
`last_name` string	required	required	Legal last name of sender. Do not use processor or intermediary name. This information will show on the cardholder's statement. Up to 15 characters. Alphanumeric characters only; no spaces.
`address` string	required	required	Up to 35 characters.
`city` string	optional	optional	Up to 25 characters.
`state` string	optional	optional	Up to 3 characters.
`country` string	required	required	Two-letter ISO country code. Up to 2 characters.
`postalCode` string	required	required	Up to 10 characters.
`accountNumber` string	required (if `reference` not available)	required (if `reference` not available)	Up to 19 characters.
`reference` string	required (if `accountNumber` not available)	required (if `accountNumber` not available)	Up to 16 alphanumeric characters.
`sourceOfFunds` string	required	required	Possible values: `Credit` `Debit` `Prepaid` `DepositAccount` `MobileMoneyAccount` `Cash`

Fund transfer type = FD

The following table outlines the fields which should be included in the processing.senderInformation object.

Field name	UK/EU domestic	Cross-border	Notes
`first_name` string	required	required	Legal first name of sender. Do not use processor or intermediary name. This information will show on the cardholder's statement. Up to 15 characters. Alphanumeric characters only; no spaces.
`last_name` string	required	required	Legal last name of sender. Do not use processor or intermediary name. This information will show on the cardholder's statement. Up to 15 characters. Alphanumeric characters only; no spaces.
`address` string	required	required	Up to 35 characters.
`city` string	required	required	Up to 25 characters.
`state` string	optional	optional	Up to 3 characters.
`country` string	required	required	Two-letter ISO country code. Up to 2 characters.
`postalCode` string	required	required	Up to 10 characters.
`accountNumber` string	required (if `reference` not available)	required (if `reference` not available)	Up to 19 characters.
`reference` string	required (if `accountNumber` not available)	required (if `accountNumber` not available)	Up to 16 alphanumeric characters.
`sourceOfFunds` string	required	required	Possible values: `Credit` `Debit` `Prepaid` `DepositAccount` `MobileMoneyAccount` `Cash`

The fund transfer type is a 2-letter code that describes the use case for the card payout request. The use cases are outlined in the following table:

Program type	Program use case	Fund transfer type code
Funds disbursement	General Funds Disbursement	`FD`
	Online Gambling	`OG`
	Loyalty Payment	`LO`
	Payroll	`PD`
Money transfer	Account-to-Account	`AA`
	Funds Transfer	`FT`
	Person-to-Person	`PP`

Supplying the field in the request is mandatory if you've been approved to process more than one fund transfer type.

Information

If you're unsure whether you've been approved to process multiple fund transfer types, please contact your Customer Support Manager.

Sender data for Card Payouts

Note

Information

Visa

Sender data for Visa money transfers

Sender data for Visa third-party funds disbursements

Non-Visa products

Mastercard

Sender data for Mastercard money transfers

Sender data for Mastercard third-party funds disbursements

Fund transfer types

Information