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	GOVERMENT_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	GOVERMENT_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 for Direct Pay

Pull funds

fundsTransferType — Valid values:
- ACCOUNT_TO_ACCOUNT
- FUNDS_TRANSFER
- PAYROLL_DISBURSEMENT
- PERSON_TO_PERSON
- PREPAID_CARD
- WALLET_TRANSFER
directPaymentType — Valid value: PULL_FUNDS

Push funds

fundsTransferType — 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 — Valid value: PUSH_FUNDS
transactionReferenceNumber — Your assigned transaction identifier.
accountNumber (required when payment method is Mastercard) — The funding source account identifier (for example, a device primary account number (DPAN), a token, or the actual account number).
fundingSource — 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	Codifies 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. Pull funds values: ["ACCOUNT_TO_ACCOUNT", “FUNDS_TRANSFER", "PAYROLL_DISBURSEMENT", "PERSON_TO_PERSON", "PREPAID_CARD", "WALLET_TRANSFER"] Push funds 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	Codifies the purpose of the payment based on the standard values defined for the respective market. ["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_COMPANY", "INVESTMENT", "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.

Fields applicable to Direct Pay transactions — sender information
Attribute	Direct Pay type	Required (Y/N)	Definition
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.
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 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] or a token or the actual account identifier.
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.
taxIdType	Both	N	A code that classifies the type of Tax Government Identifier ["SSN", "ITIN", "EIN"].
line1	Both	N	First line of street address
line2	Both	N	Second line of street address
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.
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).
postalCode	Both	N	The postal code of the address
countryCode	Both	N	The country code of the address based on Alpha-3 ISO standards
addressTypeCode	Both	N	Codifies the classification given to the various addresses captured for a sender, such as Doing Business As Address, Legal Entity Address, and Tax Address.
fundingSource	Both	Pull — N Push — Y	Identifies the source of funds. ["CASH", "CREDIT_ACCOUNT", "CREDIT_CARD", "DEBIT_CARD", "DEBIT_DEPOSIT_ACCOUNT", "MOBILE_MONEY", "PREPAID_CARD"]

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

Refer to the following table for 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

Refer to the following table for 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