Payment Account Attributes Inquiry

How to Use Payment Account Attributes Inquiry

Business Rules and Logic

The Funds Transfer Attributes Inquiry API provides information that clients and partners need to use to apply appropriate business rules and logic before initiating a push-payment transaction for projects that include person-to-person transfers, funds disbursements, prepaid loads, and credit card bill payments.

To use the Funds Transfer Inquiry API, you must provide a valid Visa primary account number (PAN) in the request message. In the response message, you will receive a response status for the request and the following attributes of the requested account:

• Card Type Code. This one-character code indicates whether the account is credit, debit, prepaid, deferred debit, or charge. (This is the same Card Type Code field available through the General Attributes Inquiry API.)
• Billing Currency Code and Minor Digits. This three-digit numeric ISO code is for the billing currency denomination of the account as defined within VisaNet and the number of decimal positions that should be displayed in any amounts denominated in that currency.
• Issuer Name and Country Code. This is the name and numeric ISO country code of the issuer of the account. (This is the same Issuer Name and Country Code available through the General Attributes Inquiry API.)
• Fast Funds Indicator. For use in push-payment transactions, this code indicates whether or not the issuer of the recipient account participates in the Fast Funds service for Original Credit Transactions (OCTs).
• Push Payments Indicator. For use in push-payment transactions, this code indicates if the recipient account can receive push-payments (Original Credit Transactions).
• Online Gambling Block Indicator. For use in push-payment transactions, this code indicates if the recipient account can receive push-payments for online gambling payouts.

The Funds Transfer Inquiry API can be used to query other U.S. debit networks as well. In order to use the API for this purpose, you must provide a valid Primary Account Number (PAN) in the request message. In the response message, you will receive a response status for the request and the following attributes of the requested account:

• Destination Currency Code. This three-digit numeric ISO code is for the billing currency denomination of the account.
• Number of Minor Units Used. This specifies the number of decimal positions that should be displayed in any amounts denominated in that currency.
• Issuing Country Code. This is the numeric ISO country code of the issuer of the account.
• OCT Domestic Participant. For use in push-payment transactions to non-Visa accounts, this flag indicates if the recipient account can receive domestic push-payments (Original Credit Transactions).
• OCT Cross-Border Participant. For use in push-payment transactions to non-Visa accounts, this flag indicates if the recipient account can receive cross-border push-payments (Original Credit Transactions).
• AFT Domestic Participant. For use in push-payment transactions to non-Visa accounts, this flag indicates if the recipient account can receive domestic pull-payments (Account Funding Transactions).
• AFT Cross-Border Participant. For use in push-payment transactions to non-Visa accounts, this flag indicates if the recipient account can receive cross-border pull-payments (Account Funding Transactions).

The technical details can be found on the Documentation tab. A complete listing of all of these code values and their names is in the Request and Response Code Reference.

If you will be using the Funds Transfer Attributes Inquiry API in conjunction with calls to the Funds Transfer API, please populate the following fields in the request message (Acquiring BIN and Acquirer Country Code) with the corresponding values that you plan to use in your Funds Transfer API calls. If not, you can exclude all of those fields from your request.