Push funds to a debit or prepaid card via Visa Direct's AFT/OCT pairing through a processor, and handle an OCT decline correctly

Steps

1. Use an Account Funding Transaction (AFT) to pull funds from the sender's card account when the payout is card-funded, rather than assuming the funding side is already handled by a separate rail
2. Use an Original Credit Transaction (OCT) to push funds to the eligible recipient debit or prepaid card account, treating it as an independent transaction from the AFT even though it typically follows one
3. Check recipient card eligibility for OCT (fast-funds vs. standard eligibility) before initiating the push, since not all card accounts support real-time credit
4. If the OCT is declined, reverse the corresponding AFT using an Account Funding Transaction Reversal (AFTR) rather than leaving the sender's funds pulled with no corresponding payout
5. Reconcile AFT and OCT pairs by your own internal reference, since Visa treats them as independent transactions rather than automatically linking them