Hey @RamiC,
Visa+ Payname is a feature within the Visa Direct API that allows for the use of an alias (such as an email address or phone number) instead of a traditional Primary Account Number (PAN) for transactions. This alias is linked to a payment credential through the Visa Alias Directory, facilitating transactions without the need to expose sensitive account information.
When using the `Create Push Funds Transaction` endpoint, you can specify either `recipientPrimaryAccountNumber` or `recipientPaymentCredentialReference`. The `recipientPaymentCredentialReference` can include various types of payment instruments, including a Visa+ Payname.
What is Visa+ Payname?
Visa+ Payname is essentially an alias created and registered in the Visa Alias Directory. This alias is associated with a payment credential (like a PAN or network token), allowing you to use the alias for transactions. This provides an additional layer of security and convenience, as users do not need to share their actual account numbers.
Using Visa+ Payname in Create Push Funds Transaction
If you have an alias created in the Visa Alias Directory and linked to a payment credential, you will use that alias as the `recipientPaymentCredentialReference` in your API request.
Here’s an example of how you might structure your `Create Push Funds Transaction` request using a Visa+ Payname:
```json
// START
{
"systemsTraceAuditNumber": 451001,
"retrievalReferenceNumber": "330000550000",
"localTransactionDateTime": "2023-10-10T12:00:00",
"senderCardExpiryDate": "2023-12",
"senderCurrencyCode": "USD",
"amount": "100.00",
"businessApplicationId": "AA",
"transactionIdentifier": 381228649430011,
"merchantCategoryCode": 6012,
"acquirerCountryCode": "840",
"senderPrimaryAccountNumber": "4012888888881881",
"senderCardExpiryDate": "2023-12",
"recipientName": "John Doe",
"recipientPaymentCredentialReference": {
"paymentInstrumentType": "Visa+ Payname",
"paymentInstrumentReference": "john.doe@example.com" // This is the alias
},
"transactionCurrencyCode": "USD",
"senderName": "Jane Smith",
"senderCountryCode": "USA",
"sourceOfFundsCode": "05",
"recipientAddress": {
"county": "USA"
},
"recipientCity": "San Francisco",
"recipientState": "CA",
"recipientPostalCode": "94105",
"recipientCountryCode": "840",
"senderAccountNumber": "1234567890",
"senderAddress": {
"county": "USA"
},
"senderCity": "New York",
"senderState": "NY",
"senderPostalCode": "10001",
"senderCountryCode": "840"
}
// END
```
Key Points:
- recipientPaymentCredentialReference: This field is used when you want to specify an alternative payment instrument instead of the `recipientPrimaryAccountNumber`.
- paymentInstrumentType: This specifies the type of payment instrument. For Visa+ Payname, you might use a descriptive string like "Visa+ Payname".
- paymentInstrumentReference: This is the actual alias (e.g., an email address or phone number) that has been registered in the Visa Alias Directory.
Make sure that the alias you are using has been correctly registered and linked to the appropriate payment credential in the Visa Alias Directory. This will ensure that the transaction can be successfully processed using the alias.
Thanks,
Diana
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