Online Payments

Direct Pay

Direct Pay is a fast and secure payment service that allows your consumers access to real-time person-to-person (P2P) payments, business-to-consumer (B2C) payments, funds disbursements, insurance claim payouts, and other funds transfer solutions using the existing Visa and Mastercard transaction processing infrastructure.

Rather than using traditional methods such as a check or money order, with Direct Pay, you provide a service to your consumers to “Pull” and “Push” money from and to another consumer or business. No goods or services are involved.

Before you begin

Direct Pay is an enhancement to Visa and Mastercard card transactions and requires additional setup by J.P. Morgan to activate this feature.

This card-based funds transfer service is only available for use by specific types of merchants (that is, merchant category codes (MCC)) for specific purposes (defined by the funds transfer type) which differ by payment brand.

There are two types of Direct Pay transactions:

Pull funds — Debit or take funds from a funding source.
Push funds — Credit or give funds to a receiving target account.

Tip

Implement pull and push funds transfers independently or in combination, depending on your use case. For example, possible scenarios include: push funds for a payroll disbursement, pull funds for a prepaid card top-up, or pull and push funds for a person-to-person transfer.

MCC and funds transfer type requirements

The following table lists the supported MCC per funds transfer type for Visa:

Visa supported MCC per funds transfer type
directPaymentType	fundsTransferType	Supported MCC
PULL_FUNDS	ACCOUNT_TO_ACCOUNT	4829, 6012, 6211, 8220
PULL_FUNDS	FUNDS_TRANSFER	4829, 6012, 6051, 6540, 7995, 8220
PULL_FUNDS	PAYROLL_DISBURSEMENT	4829, 6540, 8931
PULL_FUNDS	PERSON_TO_PERSON	4829, 6012
PULL_FUNDS	PREPAID_CARD	4829, 6012, 6051, 6540
PULL_FUNDS	WALLET_TRANSFER	4829, 6012, 6051,6540, 7995
PUSH_FUNDS	ACCOUNT_TO_ACCOUNT	4829, 6012, 6211, 8220
PUSH_FUNDS	FUNDS_DISBURSEMENT Note: Requires `DEBIT_DEPOSIT_ACCOUNT` as the `fundingSource`	All
PUSH_FUNDS	FUNDS_TRANSFER	4829, 6012, 6051, 6540, 8220
PUSH_FUNDS	GAMBLING_PAY Note: Requires `DEBIT_DEPOSIT_ACCOUNT` as the `fundingSource`	7800, 7801, 7802, 7995, 9406
PUSH_FUNDS	GOVERNMENT_DISBURSEMENT Note: Requires `DEBIT_DEPOSIT_ACCOUNT` as the `fundingSource`	9211, 9222, 9311, 9399, 9402, 9405
PUSH_FUNDS	LOYALTY_PAY Note: Requires `DEBIT_DEPOSIT_ACCOUNT` as the `fundingSource`	All
PUSH_FUNDS	MERCHANT_DISBURSEMENT Note: Requires `DEBIT_DEPOSIT_ACCOUNT` as the `fundingSource`	4829, 6012
PUSH_FUNDS	ONLINE_GAMBLING_PAY Note: Requires `DEBIT_DEPOSIT_ACCOUNT` as the `fundingSource`	7800, 7801, 7802, 7995, 9406
PUSH_FUNDS	PAYROLL_DISBURSEMENT Note: Requires `DEBIT_DEPOSIT_ACCOUNT` as the `fundingSource`	8931
PUSH_FUNDS	PERSON_TO_PERSON	4829, 6012
PUSH_FUNDS	PREPAID_CARD	6012, 6051, 6540
PUSH_FUNDS	WALLET_TRANSFER	4829, 6012, 6051

The following table lists supported merchant and funds transfer types for Mastercard:

Mastercard supported merchant and funds transfer types
directPaymentType	fundsTransferType	Supported MCCs
PULL_FUNDS	ACCOUNT_TO_ACCOUNT	4829
PULL_FUNDS	FUNDS_TRANSFER	4829
PULL_FUNDS	PAYROLL_DISBURSEMENT	4829
PULL_FUNDS	PERSON_TO_PERSON	4829
PULL_FUNDS	PREPAID_CARD	4829
PULL_FUNDS	WALLET_TRANSFER	4829, 6540
PUSH_FUNDS	ACCOUNT_TO_ACCOUNT	4829, 6211, 8220
PUSH_FUNDS	FUNDS_DISBURSEMENT Note: Requires `DEBIT_DEPOSIT_ACCOUNT` as the `fundingSource`	All
PUSH_FUNDS	FUNDS_TRANSFER	4829, 6012, 6051, 6540, 8220
PUSH_FUNDS	GAMBLING_PAY Note: Requires `DEBIT_DEPOSIT_ACCOUNT` as the `fundingSource`	7800, 7801, 7802, 7995, 9406
PUSH_FUNDS	GOVERNMENT_DISBURSEMENT Note: Requires `DEBIT_DEPOSIT_ACCOUNT` as the `fundingSource`	9211, 9222, 9311, 9399, 9402, 9405
PUSH_FUNDS	LOYALTY_PAY Note: Requires `DEBIT_DEPOSIT_ACCOUNT` as the `fundingSource`	All
PUSH_FUNDS	MERCHANT_DISBURSEMENT Note: Requires `DEBIT_DEPOSIT_ACCOUNT` as the `fundingSource`	4829, 6012
PUSH_FUNDS	ONLINE_GAMBLING_PAY Note: Requires `DEBIT_DEPOSIT_ACCOUNT` as the `fundingSource`	7800, 7801, 7802, 7995, 9406
PUSH_FUNDS	PAYROLL_DISBURSEMENT Note: Requires `DEBIT_DEPOSIT_ACCOUNT` as the `fundingSource`	8931
PUSH_FUNDS	PERSON_TO_PERSON	4829
PUSH_FUNDS	PREPAID_CARD	6012, 6051, 6540
PUSH_FUNDS	WALLET_TRANSFER	4829, 6012, 6051

Required fields

Pull funds

The following are the required fields and valid values for pull funds:

Pull funds required fields
Field name	Description
`fundsTransferType`	The intended use of a payment using Direct Pay by the merchant. Determines the data carried in the message, the limits and economics that may apply to the transaction, and may be used by the sending and/or receiving issuer to make an authorization decision. Valid values: ACCOUNT_TO_ACCOUNT FUNDS_TRANSFER PAYROLL_DISBURSEMENT PERSON_TO_PERSON PREPAID_CARD WALLET_TRANSFER
`directPaymentType`	Specifies whether you want to pull funds from a funding source or push funds to a receiving target. Valid value: PULL_FUNDS

Push funds

The following are the required fields and valid values for push funds:

Push funds required fields
Field name	Description
`fundsTransferType`	The intended use of a payment using Direct Pay by the merchant. Determines the data carried in the message, the limits and economics that may apply to the transaction, and may be used by the sending and/or receiving issuer to make an authorization decision. Valid values: ACCOUNT_TO_ACCOUNT FUNDS_DISBURSEMENT FUNDS_TRANSFER GAMBLING_PAY GOVERNMENT_DISBURSEMENT LOYALTY_PAY MERCHANT_DISBURSEMENT ONLINE_GAMBLING_PAY PAYROLL_DISBURSEMENT PERSON_TO_PERSON PREPAID_CARD WALLET_TRANSFER
`directPaymentType`	Specifies whether you want to pull funds from a funding source or push funds to a receiving target. Valid value: PUSH_FUNDS
`transactionReferenceNumber`	Your assigned transaction identifier.
`accountNumber`	The funding source account identifier (for example, a device primary account number (DPAN), a token, or the actual account number). Required when the payment method is Mastercard.
`fundingSource`	The source of the funds that are used in the transaction by the consumer. Valid values: CASH CREDIT_ACCOUNT CREDIT_CARD DEBIT_CARD DEBIT_DEPOSIT_ACCOUNT MOBILE_MONEY PREPAID_CARD

The following table lists fields available for use with Direct Pay transactions:

Fields applicable to Direct Pay transactions
Attribute	Direct Pay type	Required (Y/N)	Definition
`fundsTransferType`	Both	Y	The intended use of a payment using Direct Pay by the merchant. It determines the data carried in the message, the limits and economics that may apply to the transaction and may be used by the sending and/or receiving issuer to make an authorization decision.
`fundsTransferType`	Both	Y	Pull funds valid values: ACCOUNT_TO_ACCOUNT FUNDS_TRANSFER PAYROLL_DISBURSEMENT PERSON_TO_PERSON PREPAID_CARD WALLET_TRANSFER		Push funds valid values: ACCOUNT_TO_ACCOUNT FUNDS_DISBURSEMENT FUNDS_TRANSFER GAMBLING_PAY GOVERNMENT_DISBURSEMENT LOYALTY_PAY MERCHANT_DISBURSEMENT ONLINE_GAMBLING_PAY PAYROLL_DISBURSEMENT PERSON_TO_PERSON PREPAID_CARD WALLET_TRANSFER
`transactionReason`	Both	N	The purpose of the payment based on the standard values defined for the respective market. Valid values are:
`transactionReason`	Both	N	ACCOUNT_MANAGEMENT BONUS_PAYMENT BUS_TRANSPORT BUSINESS_EXPENSE CAR_INSURANCE CASH_MANAGEMENT_TRANSFER CC_REIMBURSEMENT CHARITY COLLECTION COMMISSION COMPENSATION COPYRIGHT CREDIT_CARD_PAYMENT DEBIT_CARD DEBIT_REIMBURSEMENT DEPOSIT DIVIDEND ELECTRICITY_BILL ENERGIES FERRY FOREIGN_EXCHANGE GAS_BILL GENERAL_FEE GOVERNMENT_CASH_COMP	GOVERNMENT_PAYMENT HEALTH_INSURANCE INSOLVENCY INSTALLMENT INSURANCE_CLAIM INSURANCE_PREMIUM INTEREST INTRA_COMPANYINVESTMENT LABOR_INSURANCE LICENCE_FEE LIFE_INSURANCE LOAN MEDICAL_SERVICE MOBILE_P2B MOBILE_P2P MOBILE_TOPUP MUTUAL_FUND_INVESTMENT NOT_OTHERWISE OTHER_TEL_BILL OTHERS PAYMENT_ALLOWANCE PAYROLL	PENSION_FUND PENSION_PAYMENT PROPERTY_INSURANCE RAIL_TRANSPORT REFUND_TAX RENT RENTAL_LEASE ROYALTY SALARY SAVING_RETIREMENT SECURITIES SETTLEMENT_ANNUITY SOCIAL_SECURITY STUDY STUDY_TUITION SUBSCRIPTION SUPPLIER TAX TAX_INCOME TEL_BILL TELEPHONE_BILL TRADE_SERVICE TRAVEL TREASURY UNEMPLOYMENT_DISABILITY_BENEFIT UTILITY_BILL VAT WATER_BILL WITH_HOLD
`directPaymentType`	Both	Y	Indicator that specifies whether you want to pull funds from a funding source or push funds to a receiving target. Pull funds value: PULL_FUNDS Push funds value: PUSH_FUNDS
`serviceFeeAmount`	Pull funds only	N	Optional service fee charged by merchant for use of service.
`currencyConversionFeeAmount`	Pull funds only	N	Optional currency conversion fee amount charged by merchant.
s`ender.transactionReferenceNumber`	Both	Pull — N Push — Y	Identifies a transaction as assigned by a third-party such as the payment gateway, partner bank, facilitator, aggregator, etc.
`sender.accountNumber`	Push funds only	Y (When payment method is Mastercard)	The number assigned to a monetary instrument (such as a card, direct debit account (DDA) or other payment account identifier provided for an alternative method of payment or local payment solution) sent to the merchant acquirer to facilitate payment for the exchange of goods and services in a financial transaction. These payment account identifiers can be a secure placeholder, such as a device primary account number (DPAN), a token, or the actual account identifier.
`sender.taxId`	Both	N	An identifier assigned by a government agency that is used by a Tax Authority to administer tax laws or by another government body to administer social and government programs.
`sender.taxIdType`	Both	N	A code that classifies the type of Tax Government Identifier (SSN, ITIN, EIN).
`sender.firstName`	Both	N	The part of an individual's full name considered a personal name or given name and generally positioned before the last name or family name. Name must not contain any of the following: Special characters: ? # = $ ! & : ~ \| _ + \ / All numeric characters, including all zeros (for example, 123456) All spaces Less than 3 characters (minimum character limit is 3 characters)
`sender.middleName`	Both	N	Given name between first name and last name/surname. Name must not contain any of the following: Special characters: ? # = $ ! & : ~ \| _ + \ / All numeric characters, including all zeros (for example, 123456) All spaces Less than 3 characters (minimum character limit is 3 characters)
`sender.lastName`	Both	N	Last name or surname. Name must not contain any of the following: Special characters: ? # = $ ! & : ~ \| _ + \ / All numeric characters, including all zeros (for example, 123456) All spaces Less than 3 characters (minimum character limit is 3 characters)
`sender.city`	Both	N	A portion of a party's address which is the geographic area that is a municipality with legal power granted by a state/province charter. Must not contain any of the following: Special characters: ? # = $ ! & : ~ \| _ + \ / All numeric characters, including all zeros (for example, 123456) All spaces Less than 3 characters (minimum character limit is 3 characters)
`sender.state`	Both	N	Classifies a geographic area that represents a first level, legal and political subdivision of a country as defined in ISO 3166-2 specification (for example, CA, TX, FL).
`sender.postalCode`	Both	N	The postal code of the address.
`sender.countryCode`	Both	N	The country code of the address based on Alpha-3 ISO standards.
`sender.addressTypeCode`	Both	N	The classification given to the various addresses captured for a sender, such as Doing Business As Address, Legal Entity Address, and Tax Address.
`sender.fundingSource`	Both	Pull — N Push — Y	Identifies the source of funds. Valid values are: CASH CREDIT_ACCOUNT CREDIT_CARD DEBIT_CARD DEBIT_DEPOSIT_ACCOUNT MOBILE_MONEY PREPAID_CARD
`sender.birthDate`	Both	N	The year, month and day on which the individual was born. Format: mmddyyyy
`sender.accountIdType`	Push funds only	Y (When payment method is Mastercard)	An identifier used to categorize or classify different types of accounts, such as bank accounts, customer accounts, or other financial accounts. Valid value is BAN.
`sender.accountId`	Push funds only	Y (When payment method is Mastercard)	The account number or unique identifier that was used to fund the money transfer (for example, it will hold the values for BAN, Email, RTN + Bank Account, Phone Number, IBAN, Wallet ID, Social Network ID that was used to fund the transfer).
`sender.bankIdentificationCode`	Push funds only	Y (When payment method is Mastercard)	The bank identification code.
`directPayProviderName`	Push funds only	Y (When payment method is Mastercard)	The Third Party Payment Provider (TP3) name which is an entity on whose behalf clients conduct financial transactions, essentially acting as the ultimate debtor.
`paymentGatewayIdentifier`	Push funds only	Y (When payment method is Mastercard)	The identifier assigned by the acceptor or the acquirer to the terminal, payment gateway, or other acceptance device used to capture account data to affect a transaction at the acceptor location. For electronic commerce, phone/mail order, or other card-not-present environments, the value must uniquely identify each payment gateway or other device used to capture account data to effect a transaction at the acceptor location.

The following is an example of a Direct Pay pull funds transaction:

HTTP method: POST
Endpoint: /payments
Scenario: Direct Pay pull funds request

Json

{
    "directPay": {
        "fundsTransferType": "ACCOUNT_TO_ACCOUNT",
        "transactionReason": "CREDIT_CARD_PAYMENT",
        "directPaymentType": "PULL_FUNDS",
        "serviceFeeAmount": 123,
        "sender": {
            "transactionReferenceNumber": "1234567890123456",
            "accountNumber": "5214XXXXXX94",
            "fundingSource": "CREDIT_CARD",
            "taxId": "123456789",
            "taxIdType": "SSN",
            "firstName": "John",
            "middleName": "D",
            "lastName": "Doe",
            "address": {
                "line1": "1234 Main Street",
                "line2": "",
                "city": "BEDFORD",
                "state": "NH",
                "countryCode": "USA",
                "postalCode": "03109"
            }
        },
        "birthDate": "1975-06-15"
    }
}

The following is an example of a Direct Pay push funds transaction:

HTTP method: POST
Endpoint: /payments
Scenario: Direct Pay push funds request

Json

{
    "directPay": {
        "fundsTransferType": "ACCOUNT_TO_ACCOUNT",
        "transactionReason": "CREDIT_CARD_PAYMENT",
        "directPaymentType": "PUSH_FUNDS",
        "sender": {
            "transactionReferenceNumber": "1234567890123456",
            "accountNumber": "5214XXXXXX94",
            "fundingSource": "DEBIT_CARD",
            "taxId": "123456789",
            "taxIdType": "SSN",
            "firstName": "John",
            "middleName": "D",
            "lastName": "Doe",
            "address": {
                "line1": "1234 Main Street",
                "line2": "",
                "city": "BEDFORD",
                "state": "NH",
                "countryCode": "USA",
                "postalCode": "03109"
            },
            "birthDate": "1975-06-15"
        }
    }
}

Transaction limits

Pull funds

The following table lists transaction limits on a Direct Pay pull funds transaction:

Pull funds transaction limits for Visa and Mastercard
fundsTransferType	Visa (US and Canada)	Mastercard (US and Canada)
ACCOUNT_TO_ACCOUNT	$50,000	US: $50,000 Canada: $25,000
FUNDS_TRANSFER	$50,000	US: $50,000 Canada: $25,000
PAYROLL_DISBURSEMENT	$125,000	$125,000
PERSON_TO_PERSON	$50,000	$10,000
PREPAID_CARD	$50,000	$25,000
WALLET_TRANSFER	$50,000	$25,000

Push funds

The following table lists transaction limits on a Direct Pay push funds transaction:

Push funds transaction limits for Visa and Mastercard
fundsTransferType	Visa (US and Canada)	Mastercard (US and Canada)
ACCOUNT_TO_ACCOUNT	$50,000	US: $50,000 Canada: $25,000
FUNDS_DISBURSEMENT	$125,000	$125,000
FUNDS_TRANSFER	$50,000	US: $50,000 Canada: $25,000
GAMBLING_PAY	$125,000	US: $50,000 Canada: $10,000
GOVERNMENT_DISBURSEMENT	$125,000	$125,000
LOYALTY_PAY	$125,000	$125,000
MERCHANT_DISBURSEMENT	$125,000	$125,000
ONLINE_GAMBLING_PAY	$125,000	US: $50,000 Canada: $10,000
PAYROLL_DISBURSEMENT	$125,000	$125,000
PERSON_TO_PERSON	$50,000	$10,000
PREPAID_CARD	$50,000	$50,000
WALLET_TRANSFER	$50,000	US: $50,000 Canada: $25,000