Visa Developer Community


Regarding Person to Person Money Transfer Query

We are trying to implement the functionality of person to person money transfer using Visa Direct API.
For this, we are using PushFundsTransactions Post. Is this the correct API?
Below is the sample request / response.
"acquirerCountryCode": "840",
"acquiringBin": "408999",
"amount": "124.05",
"businessApplicationId": "AA",
"cardAcceptor": {
"address": {
"country": "USA",
"county": "San Mateo",
"state": "CA",
"zipCode": "94404"
"idCode": "CA-IDCode-77765",
"name": "Visa Inc. USA-Foster City",
"terminalId": "TID-9999"
"localTransactionDateTime": "2018-09-12T09:44:02",
"merchantCategoryCode": "6012",
"pointOfServiceData": {
"motoECIIndicator": "0",
"panEntryMode": "90",
"posConditionCode": "00"
"recipientName": "rohan",
"recipientPrimaryAccountNumber": "4957030420210496",
"retrievalReferenceNumber": "412770451018",
"senderAccountNumber": "4653459515756154",
"senderAddress": "901 Metro Center Blvd",
"senderCity": "Foster City",
"senderCountryCode": "124",
"senderName": "Mohammed Qasim",
"senderReference": "",
"senderStateCode": "CA",
"sourceOfFundsCode": "05",
"systemsTraceAuditNumber": "451018",
"transactionCurrencyCode": "USD",
"transactionIdentifier": "381228649430015"
And got below response from server:
       "transactionIdentifier": 993044911832638,
       "actionCode": "65",
       "responseCode": "5",
       "transmissionDateTime": "2018-09-12T09:44:13.000Z"
actionCode (65) message refers to "Exceeds withdrawal frequency limit ".
Is this correct for a person to person payment or am I doing anything wrong?
Yogesh Chander
Visa Dev Moderator

Re: Regarding Person to Person Money Transfer Query

Hi @Yash,


Visa Direct offers person-to-person payments. Visa Direct’s real-time payment capabilities open up new, more convenient payment experiences for many different use cases, including:

  • Paying friends and family
  • Splitting bills
  • Sending remittances
  • Account transfer


Please review the Visa Direct documentation using this link.


In particular, see the top few paragraphs that are shaded in yellow that discuss the requirements to use Visa Direct.


After having read the documentation, if you meet those requirements, then please click through the link in those paragraphs to the Visa Direct Program Implementation Questionnaire, fill it out, and submit to the email address listed on that form. 



Was your question answered? Don't forget to click on "Accept as Solution" to help other devs find the answer to the same question.