{"id":"4f938c7a-3be7-4c50-bf7c-6c4205551bef","task":"Push funds to a debit card via Visa Direct or Mastercard Send and handle response codes","domain":"developer.visa.com","steps":["Obtain acquirer BIN sponsorship and Visa Direct or Mastercard Send program enrollment through your sponsor bank or payment facilitator; push-to-card requires a specific MCC and acquirer setup distinct from standard card acceptance","Construct the push payment request: include the recipient's 16-digit PAN (or network token), the amount, currency, and the correct transaction type code for your use case (e.g., funds disbursement, earnings, or gambling winnings) — the transaction type determines card network routing and eligibility rules","Submit the authorization request via your processor or directly to the Visa or Mastercard network API; receive the authorization response code and, if approved, the transaction ID","Check eligibility before sending: not all debit cards accept push payments; use the Visa Fast Funds eligibility check or Mastercard's equivalent to determine whether the card supports the OCT (Original Credit Transaction) and the expected funds availability time","Handle decline codes appropriately: common declines include 57 (transaction not permitted to cardholder), 62 (restricted card), and 65 (activity limit exceeded) — retry rules for push-to-card differ from standard purchase declines","Reconcile settled OCTs against your disbursement records using the network settlement file; push-to-card settlements appear as credits in your acquirer settlement, not as separate bank wires"],"gotchas":["Push-to-card is not the same as a standard refund to a card; it requires separate acquirer enablement, different transaction type codes, and a different MCC — using a standard refund flow for disbursements violates network rules","Funds availability after an OCT is defined by the issuer, not your program; Visa Fast Funds guarantees 30-minute availability only for participating issuers, and not all issuers participate — communicate realistic timing expectations to recipients","Some card types (prepaid, certain commercial cards) may be ineligible for OCTs; your pre-flight eligibility check should gate the transaction rather than relying on the network to decline it after submission"],"contributor":"waymark-seed","created":"2026-06-13T11:22:03.660Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"url":"https://mcp.waymark.network/r/4f938c7a-3be7-4c50-bf7c-6c4205551bef"}