Real-Time Payments | Global Payments

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Mastercard Send

Mastercard Send facilitates the transmission of funds between financial institutions in near real-time across multiple payment networks. For more information, see Mastercard Send FAQs.

Required fields

This section contains the information you need to remain compliant with Mastercard requirements as new ones emerge.

Mastercard Send transactions require three elements:

Transaction Type Identifier – This field indicates the type of Mastercard Send transaction you want to process.
Recipient Data – These fields include data of the receiver of the transaction.
Sender Data – These fields include data of the sender (merchant) of the transaction.

<supplementarydata>
        <item type="MC-MoneySend-TTI">
            <field01>04</field01><!--Transaction Type Identifier-->
        </item>
   <item type="MoneySendRecipient"> Recipient Data
   <field01></field01> First Name
   <field02></field02> Middle Name
   <field03></field03> Last Name
   <field04></field04> Address
   <field05></field05> City
   <field06></field06> Province Code
   <field07></field07> Country
   <field08></field08> Postal Code
   <field09></field09> Phone Number
   <field10></field10> Date of Birth
   <field11></field11> Account Number
   <field12></field12> Identification Type
   <field13></field13> Identification Number
   <field14></field14> Identification Country Code
   <field15></field15> Identification Expiration Date
   <field16></field16> Nationality
   <field17></field17> Country of Birth
   <field18></field18> Account Number Type
   </item>
<item type="MoneySendSender"> Sender Data
   <field01></field01> First Name
   <field02></field02> Middle Name
   <field03></field03> Last Name
   <field04></field04> Address
   <field05></field05> City
   <field06></field06> Province Code
   <field07></field07> Country
   <field08></field08> Postal Code
   <field09></field09> Phone Number
   <field10></field10> Date of Birth
   <field11></field11> Account Number
   <field12></field12> Identification Type
   <field13></field13> Identification Number
   <field14></field14> Identification Country Code
   <field15></field15> Identification Expiration Date
   <field16></field16> Nationality
   <field17></field17> Country of Birth
   <field18></field18> Account Number Type
   </item>
   </supplementarydata>

<supplementarydata>
        <item type="MC-MoneySend-TTI">
            <field01>04</field01>
        </item>
   <item type="MoneySendRecipient"> Recipient Data
   <field01></field01> First Name
   <field02></field02> Middle Name
   <field03></field03> Last Name
   <field04></field04> Address
   <field05></field05> City
   <field06></field06> Province Code
   <field07></field07> Country
   <field08></field08> Postal Code
   <field09></field09> Phone Number
   <field10></field10> Date of Birth
   <field11></field11> Account Number
   <field12></field12> Identification Type
   <field13></field13> Identification Number
   <field14></field14> Identification Country Code
   <field15></field15> Identification Expiration Date
   <field16></field16> Nationality
   <field17></field17> Country of Birth
   <field18></field18> Account Number Type
   </item>
<item type="MoneySendSender"> Sender Data
   <field01></field01> First Name
   <field02></field02> Middle Name
   <field03></field03> Last Name
   <field04></field04> Address
   <field05></field05> City
   <field06></field06> Province Code
   <field07></field07> Country
   <field08></field08> Postal Code
   <field09></field09> Phone Number
   <field10></field10> Date of Birth
   <field11></field11> Account Number
   <field12></field12> Identification Type
   <field13></field13> Identification Number
   <field14></field14> Identification Country Code
   <field15></field15> Identification Expiration Date
   <field16></field16> Nationality
   <field17></field17> Country of Birth
   <field18></field18> Account Number Type
   </item>
   </supplementarydata>

Request syntax

Type indicates whether the element is Mandatory (M), Optional (O), or Conditional (C) – dependent on another field.

Transaction Type Identifier

Element/Field	Format	Type	Length	Description
Transaction Type Identifier	Alphanumeric	M	3	Allowed values: C04 - Gaming Re-pay C07 - General Person-to-Person C55 - Business Disbursement C56 - Government/Non-Profit Disbursement C65 - General Business to Business Transfer

Recipient Data

Two additional fields are now required to maintain compliance with Mastercard Send:

Recipient First Name
Recipient Last Name

These fields include the data of the receiver of the transaction.

If you don’t send the above fields, you might experience an increase in decline rates.

Sample request

<supplementarydata>
   <item type="MoneySendRecipient"> 
   <field01>Jane</field01> First Name
   <field03>Doe</field03> Last Name
   </item>
   <item type="MoneySendSender"> 
   </item>
   </supplementarydata>

Request syntax

Type indicates whether the element is Mandatory (M), Optional (O), or Conditional (C) – dependent on another field.

Element/Field	Format	Type	Length	Description
Receiver/Recipient Data	Alphanumeric	M		Static value to indicate what values are related to the recipient data. Allowed values: <item type="MoneySendRecipient">
Receiver/Recipient First Name	Alphanumeric	M	1-30	First name of the receiver. Required for cross-border payment transactions.
Receiver/Recipient Middle Name	Alphanumeric	M	1	Middle name initial of the receiver.
Receiver/Recipient Last Name	Alphanumeric	M	1-30	Last name of the receiver. Required for cross-border payment transactions.
Receiver/Recipient Street Address	Alphanumeric	M	1-50	Street address of the receiver.
Receiver/Recipient City	Alphanumeric	M	1-25	City of the receiver.
Receiver/Recipient State / Province Code	Alphanumeric	M	3	State / province code of the receiver. When the country is the U.S. or Canada, no spaces or invalid code are allowed.
Receiver/Recipient Country	Alphanumeric	M	3	Alpha-country code of the receiver.
Receiver/Recipient Postal Code	Alphanumeric	M	1-10	Postal code of the receiver.
Receiver/Recipient Phone Number	Alphanumeric	M	1-20	Phone number of the receiver.
Receiver/Recipient Date of Birth	Numeric	M	8	Date of birth of the receiver in MMDDYYYY format.
Receiver/Recipient Account Number	Alphanumeric	M	1-50	Account number to which the funds will be posted. When this Subfield ID contains a combination of information as specified in Subfield ID 18, the data must be separated by a plus sign (+) and in the order specified. For example: Bank account number (BAN) + Bank Identification Code (BIC)
Receiver/Recipient Identification Type	Numeric	M	2	Allowed values: 00 - Passport 01 - National Identification Card 02 - Driver’s License 03 - Government Issued 04 - Other
Receiver/Recipient Identification Number	Alphanumeric	M	1-35	Identification number of the receiver.
Receiver/Recipient Identification Country Code	Alphanumeric	M	3	Alpha-country code where the receiver’s identification number was issued.
Receiver/Recipient Identification Expiration Date	Numeric	M	8	Expiration date of the receiver’s identification number in MMDDYYYY format.
Receiver/Recipient Nationality	Alphabetic	M	3	Alpha-country code of the receiver’s country of citizenship.
Receiver/Recipient Country of Birth	Alphabetic	M	3	Alpha-country code of the receiver’s country of birth.
Receiver/Recipient Account Number Type	Numeric	M	2	Receiver’s account number type. Allowed values: 00 - Other 01 - RTN + Bank Account 02 - IBAN 03 - Card Account 04 - Email 05 - Phone Number 06 - Bank account number (BAN) + Bank Identification Code (BIC) 07 - Wallet ID 08 - Social Network ID

Sender Data

Type indicates whether the element is Mandatory (M), Optional (O), or Conditional (C) – dependent on another field.

Element/Field	Format	Type	Length	Description
Sender Data	Alphanumeric	M		Static value to indicate what values are related to recipient data. Allowed values: <item type="MoneySendSender">
Sender First Name	Alphanumeric	M	1-35	First name of the sender.
Sender Middle Name	Alphanumeric	M	1	Middle name initial of the sender.
Sender Last Name	Alphanumeric	M	1-35	Last name of the sender.
Sender Street Address	Alphanumeric	M	1-50	Street address of the sender.
Sender City	Alphanumeric	M	1-25	City of the sender.
Sender State / Province Code	Alphanumeric	M	3	State / province code of the sender. When the country is the U.S. or Canada, no spaces or invalid code are allowed.
Sender Country	Alphanumeric	M	3	Alpha-country code of the sender.
Sender Postal Code	Alphanumeric	M	1-10	Postal code of the sender.
Sender Phone Number	Alphanumeric	M	1-20	Phone number of the sender.
Sender Date of Birth	Numeric	M	8	Date of birth of the sender in MMDDYYYY format.
Sender Account Number	Alphanumeric	M	1-50	Account number to which the funds will be posted. When this Subfield ID contains a combination of information as specified in Subfield ID 18, the data must be separated by a plus sign (+) and in the order specified. For example: Bank account number (BAN) + Bank Identification Code (BIC)
Sender Identification Type	Numeric	M	2	Identification type of the sender. If present, must contain a valid value. Allowed values: 00 - Passport 01 - National Identification Card 02 - Driver’s License 03 - Government Issued 04 - Other
Sender Identification Number	Alphanumeric	M	1-35	Identification number of the sender.
Sender Identification Country Code	Alphabetic	M	3	Alpha-country code where the sender’s identification number was issued.
Sender Identification Expiration Date	Numeric	M	8	Expiration date of the sender’s identification number in MMDDYYYY format.
Sender Nationality	Alphabetic	M	3	Alpha-country code of sender’s country of citizenship.
Sender Country of Birth	Alphabetic	M	3	Alpha-country code of the sender’s country of birth.
Sender Account Number Type	Numeric	M	2	Contains the sender’s account number type specified in Subfield ID 11. Allowed values: 00 - Other 01 - RTN + Bank Account 02 - IBAN 03 - Card Account 04 - Email 05 - Phone Number 06 - Bank account number (BAN) + Bank Identification Code (BIC) 07 - Wallet ID 08 - Social Network ID

Enabling MoneySend

The following data should be provided when you enable Mastercard MoneySend on your account with us.

Element/Field	Format	Length	Description
Merchant Country	Alpha	3	Contains the alpha-country code of the merchant (sender).
Merchant Address	Alphanumeric	1-30	Contains the street address of the merchant (sender).
Merchant City	Alphanumeric	1-25	Contains the city of the merchant (sender).
Merchant State	Alphanumeric	2	Contains the state/province code of the merchant (sender). Cannot contain spaces or an invalid code when the country is U.S. or Canada.
Merchant Postal Code / ZIP	Alphanumeric	6	Contains the postal code of the merchant (sender).

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Barclay POW

Mastercard Payment of Winnings (POW) on the Barclay’s platform facilitates the transmission of funds for gaming merchants to pay winnings to customers in near real-time across multiple payment networks.

Required fields

This section contains the information you need to remain compliant with Mastercard requirements as new ones emerge. This includes sending additional information in the request when processing gaming transactions on Mastercard credits via Barclays.

Mastercard POW transactions require a separate MC POW merchant ID (MID) for authorization as well as certain recipient data and sender data elements.

Recipient Data
- These fields include data of the receiver of the transaction.
Sender Data
- These fields include data of the sender (merchant) of the transaction.
- On behalf of gaming merchants, we add the sender data-field items.
  Note: While onboarding with us, be sure to give these details correctly to your account manager.

If you don’t send the above fields, you might experience an increase in decline rates.

<supplementarydata>
    <item type="MoneySendRecipient"> --Recipient Data--
        <field01></field01> First Name
        <field03></field03> Last Name
    </item>




<item type="MoneySendSender">Sender Data//Populated by us
<field01></field01> First Name
<field03></field03> Last Name
<field04></field04> Address
<field05></field05> City
<field07></field07> Country
<field11></field11> Account Number
<field18></field18> Account Number Type
</item>
</supplementarydata>

Request syntax

Type indicates whether the element is Mandatory (M), Optional (O), or Conditional (C) – dependent on another field.

Element/Field	Format	Type	Length	Description
Sender & Recipient First Name and Surname	Alpha	M	1-35	ANS tags 001 and 003.
Sender Street address	Alphanumeric	M	1-50	Must contain the sender’s street address. ANS tag 004.
Sender City	Alphanumeric	M	1-25	Must contain the sender’s city. ANS tag 005.
Sender Country Code	Alpha	M	3	Must contain the sender’s country code, e.g., GBR. Must not contain countries that prohibit gaming. ISO tag 008, ISO 3166.
Sender Account Number	Numeric	M	1-50	Must contain a valid account number of the sender (merchant) used to fund the POW. Type-06 - Bank account number (BAN) 8 digit + Bank Identification Сode (BIC) / Swift code 6 digit. ANS tag 010.

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Visa Direct

Visa Direct on the Original Credit Transaction (OCT) platform facilitates the transmission of funds between financial institutions in near real-time across multiple payment networks.

For more information, see the Visa Developer Center.

Required fields

This section contains the information you need to remain compliant with Visa Direct requirements as new ones emerge.

Visa Direct transactions require certain recipient data and sender data elements.

Recipient Data
- Recipient City – Required for all OCT transactions.
- Recipient Address – Required for all OCT transactions.
Sender Data
- Sender Reference Number – Required for all transactions.
Other Data
- Purpose of Payment – Required for cross-border transactions into Canada, Australia, Chile, Columbia, Mexico, Argentina, Bangladesh, Egypt, and India.

If you don’t send the above fields, you might experience an increase in decline rates.

<supplementarydata>
   <item type="visaDirect"> 
   <field01>123456789123456b</field01> Sender Reference Number
   <field11>71 Cherry Court</field11> Recipient Address
   <field12>London</field12> Recipient City
   <field16>ISCOMC</field15> Purpose of Payment
   </item>
   </supplementarydata>

Request syntax

Type indicates whether the element is Mandatory (M), Optional (O), or Conditional (C) - dependent on another field.

Element/Field	Format	Type	Length	Description
Sender Data	Alphanumeric	M		Static value used to indicate the following values are related to sender (merchant) data. Allowed values: <item type="visaDirect">
Sender Reference Number	Alphanumeric	M	1-16	Contains a transaction reference number that is provided by the merchant and can be used to uniquely identify the entity funding the transaction.
Recipient Address	Alphanumeric	M	1-50	Contains the address of the entity receiving the funds. Required for all OCT transactions. Allowed values: [a-zA-Z0-9 ,\.\-/\\|]{0,50}
Recipient City	Alphanumeric	M	1-25	Contains the city of the entity receiving the funds. Required for all OCT transactions. Allowed values: [a-zA-Z0-9 ,\.\-/\\|]{0,25}
Purpose of Payment	Alphanumeric	C	1-12	Contains the Purpose of Payment code valid for the recipient country. Required for cross-border transactions into Canada, Australia, Chile, Columbia, Mexico, Argentina, Bangladesh, Egypt, and India. For a list of codes, see the Purpose of Payment codes section.

Enabling Visa Direct

The following data should be provided when you enable Visa Direct on your account with us.

Field	Format	Length	Description
Merchant Country	Alpha	3	Contains the alpha-country code of the merchant (sender).
Merchant Address	Alphanumeric	1-30	Contains the street address of the merchant (sender).
Merchant City	Alphanumeric	1-25	Contains the city of the merchant (sender).
Merchant State	Alphanumeric	2	Contains the state / province code of the merchant (sender). Cannot contain spaces or an invalid code when the country is the U.S. or Canada.
Merchant Postal Code / ZIP	Alphanumeric	6	Contains the postal code of the merchant (sender).

Purpose of Payment codes

The following table lists the Visa Purpose of Payment standardized codes.

Code Description	Code To Be Used
Account management	ISACCT
Air transport related business	ISAIRB
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, 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
Instalment	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
Not otherwise specified	ISNOWS
Other	ISOTHR
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

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