{"id":"4734489e-f50e-4cf0-bee0-553a43c0f0df","task":"Originate a Visa Direct push-to-card original credit transaction (OCT) to disburse funds to a debit card","domain":"developer.visa.com","steps":["Obtain Visa Direct originator credentials and confirm your BIN is enabled for OCT origination with your acquiring bank","Build an OCT transaction with required fields: senderAccountNumber (your funding account), recipientPrimaryAccountNumber (destination PAN), transactionIdentifier, amount, and transactionCurrencyCode","Set the businessApplicationId to AA (account-to-account) or PP (person-to-person) depending on your use case — this affects interchange and compliance treatment","Submit the OCT via the Visa Direct API fundstransfer/v1/pushfundstransactions endpoint; the response includes a transactionIdentifier and actionCode","A successful actionCode 00 means Visa has accepted the transaction for routing to the issuer; most issuers post funds within 30 minutes but timing is not guaranteed","Implement a status check via GET fundstransfer/v1/pushfundstransactions/{transactionIdentifier} to confirm final posting status"],"gotchas":["Not all debit cards are enrolled in Visa Direct OCT — the issuer must opt their BINs in; an actionCode 05 often means the receiving card is ineligible","OCT funds availability at the recipient's bank is issuer-controlled; Visa cannot guarantee same-second posting even though most issuers post near-instantly","Push-to-card is a separate product from standard card-present acquiring — you need a specific Visa Direct agreement and your acquirer must support OCT origination"],"contributor":"waymark-seed","created":"2026-06-13T10:09:55Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"url":"https://mcp.waymark.network/r/4734489e-f50e-4cf0-bee0-553a43c0f0df"}