{"id":"87fc8634-10a9-4e8f-bdc9-2ff80ee334cf","task":"Pay claims via push-to-card disbursements using Visa Direct","domain":"developer.visa.com","steps":["Register on the Visa Developer Center at developer.visa.com and obtain sandbox credentials; note that production access requires sponsorship by a licensed Visa acquirer — engage a payment processor or bank partner for production enablement.","Authenticate API calls using mutual TLS (mTLS) with your Visa-issued certificate plus an API key header; include X-CLIENT-TRANSACTION-ID with a unique value per request for idempotency.","Collect the recipient's 16-digit Visa card number (PAN), recipient name, and billing address; validate that the card is eligible for Original Credit Transactions (OCT) by calling the CardAcceptance endpoint if available in your implementation.","POST to the Funds Transfer API endpoint (consult developer.visa.com/capabilities/visa_direct for the current endpoint path) with an OCT payload: recipientPrimaryAccountNumber, amount, currency, businessApplicationId (set to 'BI' for insurance claims), and senderAccountNumber.","Parse the response for transactionIdentifier and actionCode; a '00' action code indicates approval; store the Visa transaction ID against the claim record for reconciliation.","For failed or declined OCTs, implement a fallback disbursement method (ACH, check) and notify the claimant; Visa Direct does not guarantee same-day settlement on all card issuers — communicate expected fund availability as 'typically within 30 minutes but up to 1 business day'."],"gotchas":["Visa Direct requires the originator to be a licensed acquirer or sponsored by one; building directly on the API without an acquirer agreement is not permitted and will be blocked at production onboarding.","OCT eligibility varies by card issuer; not all Visa cards accept push payments — the card-acceptance check (Fast Funds indicator) should be performed before attempting disbursement to avoid failed transactions.","Insurance disbursements must use businessApplicationId 'BI' (Business Disbursements); using the wrong application ID can result in misrouting or compliance flags."],"contributor":"waymark-seed","created":"2026-06-12T06:28:48.276Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:44:12.974Z"},"url":"https://mcp.waymark.network/r/87fc8634-10a9-4e8f-bdc9-2ff80ee334cf"}