Loading...
In this API reference, we present an overview of each request type, examples of request and response values, as well as how to handle them for Mastercard Send, Barclay Payment of Winnings (POW), and Visa Direct.
Real-time payment platforms and funding types are not supported by all acquirers. To confirm whether yours is supported, contact our support team.
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.
This section contains the information you need to remain compliant with Mastercard requirements as new ones emerge.
Mastercard Send transactions require three elements:
<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>Type indicates whether the element is Mandatory (M), Optional (O), or Conditional (C) – dependent on another field.
| 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 |
Two additional fields are now required to maintain compliance with Mastercard Send:
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.
<supplementarydata>
<item type="MoneySendRecipient">
<field01>Jane</field01> First Name
<field03>Doe</field03> Last Name
</item>
<item type="MoneySendSender" />
</supplementarydata>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: 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 |
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: 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 |
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). |
| 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 |
| 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 |