Push-to-card P2P enables approved partners to send funds from consumers’ payment accounts to a Visa or Mastercard card. The primary difference between P2P and A2A is that P2P is used when a customer sends funds to another cardholder, whereas A2A is used when a customer sends funds to their own card.
These features require special approval by Paynetics and by both card schemes. When sending OCT, you will use a dedicated set of credentials provided by Paynetics for authenticating to the acquiring API.
To execute a push-to-card payment, you must use the /v1/oct endpoint of the Acquiring API.
Example request:
{
"balance": "21321342",
"first_name": "John",
"last_name": "Dough",
"aml_check": "no-match",
"industry_specific_transaction": "P",
"card": "21321313",
"card_number": "4242424242424242",
}Fields | |
|---|---|
balance | mandatory, the balance token of the account of the customer the money are sent from |
first_name | mandatory, the first name of the recepient |
last_name | mandatory, the last name of the recepient |
aml_check | flag that there is no match in peps and sanctions list of the recepient name |
industry_specific_transaction | mandatory, P for P2P and A for A2A |
card | conditional mandatory if card_number not provided, the token of the saved recipient card POST v1/cards |
card_number | conditional mandatory if card not provided, the PAN of the recepient card |