Getting started with Visa Receiver Directed Payouts

Let recipients select their preferred payout destination using Visa Receiver Directed Payouts.

Available for use by:

Issuer banks Acquirer banks Merchants Independent developers Issuer banks for small businesses

About Receiver Directed Payouts

A front-end Java Script SDK that is embedded within the client's User Experience, Receiver Directed Payouts is a feature of the Visa Alias Directory and provides an opportunity for individual capture of a receiver's payment credentials.

As an originator or enabler you can securely capture, verify, validate and store payment credentials with an alias (e.g. telephone number) in the Visa Alias Directory

Key Stakeholder:

Entity	Description
Originator/Enabler	The corporate entity sending the payment to the Recipient
Visa	Credential Capture Widget that is invoked by Visa’s SDK
Recipient	Recipient who is receiving the money from the Originator

How Does It Work?

The credential capure flow:

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Education and OTP verification

Client displays payout screen where the user can navigate to RDP flow by requesting to add new payment account
User selects Add Payment Method, which invokes the SDK widget which is hosted in the client’s UX (webpage, app, etc.)
User is prompted to enter OTP sent to their phone number on file with client for identity verification purposes
Once OTP is entered, user can tap Verify and proceed with enrolment
After successful verification, card credential capture follow

Credential Capture and 3DS authentication

User adds a card through the card credential capture form
After card information is submitted, user is directed to authenticate card credentials with 3DS and its OTP method
To complete enrolment, user confirms by linking their payment credentials to their mobile phone number

Payout Confirmation

Originator / Enabler is now able to make payment to receiver and confirm funds have been sent.

Consumer Information required

The consumer information that RDP will require

Field Name	Type	Mandatory (M) / Optional (O)	Length	Validation	Description
First Name	String	M	Min Length: 2 Max Length: 22	Length validation	Card holder’s first name
Last Name	String	M	Min Length: 1 Max Length: 1	Length validation	First letter only of card holder’s last name
Address Line 1	String	O	Min Length: 1 Max Length: 50	Length validation	First line of the card holder’s address
Address Line 2	String	O	Min Length: 0 Max Length: 50	Length validation
City	String	O	Min Length: 1 Max Length: 50	Length Validation
Zip Code	String	O	Min Length: 1 Max Length: 16	Length Validation
Card Number	Numeric	M		Modulus 10 Check Supported card Validation (VISA)
Expiration Date	Numeric	M		Date is greater than current month/year. Numeric only	First 2 digits = Month Second 2 digits = Year