Introduction

VISA Direct to Account is a cross-border payment solution that enables businesses to send payouts directly to bank accounts using a global network. It partners banking infrastructure to deliver funds to recipients through local transfer schemes.

Supported Countries

Canada
India
Japan
Philippines
Poland
Romania
Singapore
South Africa
USA

Supported Currencies

Payout (Withdrawal) Flow

Press tab to open…

REST API
Web SDK

A payout can only be performed after userTokenId and userPaymentOptionId were generated from a previous payment transaction.

Send a /payout request and include the userPaymentOptionId, which contains the user’s previously stored APM account details. Press here for an example.

After the transaction is processed, Nuvei sends a DMN that includes the result of the transaction to the URL provided in urlDetails.notificationUrl, which Nuvei recommends including in the /payout request.

For information about the Withdrawal flow for WebSDK, see Withdrawal.

REST API: A payout can only be performed after userTokenId and userPaymentOptionId were generated from a previous payment transaction.

Send a /payout request and include the userPaymentOptionId, which contains the user’s previously stored APM account details. Press here for an example.

After the transaction is processed, Nuvei sends a DMN that includes the result of the transaction to the URL provided in urlDetails.notificationUrl, which Nuvei recommends including in the /payout request.
Web SDK: For information about the Withdrawal flow for WebSDK, see Withdrawal.

User Experience

The customer selects withdrawal on cashier page.
The customer is redirected to the Account Capture page for collection of necessary details in ‘Transfer Details’.

The required fields on the Account Capture page are retrieved and displayed dynamically from Visa, so it is possible that some new fields appear on that page. The common fields for countries are saved in the UPO and if the UPO is used the fields are prefilled on the Account Capture page.
If the operation is successful, the customer receives a message that the request is accepted.

Testing

For the Account Capture page, any data that is valid can be used; however, no final status of the Payout is provided.

Example Request – Test Case for No UPO

{
    "merchantId": "{{merchantId}}",
    "merchantSiteId": "{{merchantSiteId}}",
    "userTokenId": "DanielREST_6644737722235_Visa",
    "clientUniqueId": "{{clientRequestId}}",
    "clientRequestId": "{{clientRequestId}}",
    "currency": "USD",
    "amount": "10",
    "userPaymentOption": {
        "userPaymentOptionId": "2308589111"
    },
    "userDetails": {
        "email": "[email protected]",
        "country": "US"
    },
    "timeStamp": "{{timestamp}}",
    "checksum": "{{checksum}}"
}

Example Response – Test Case for No UPO

{
    "internalRequestId": 1752675940496,
    "status": "SUCCESS",
    "errCode": 0,
    "reason": "",
    "merchantId": "5634436935940029474",
    "merchantSiteId": "554117",
    "version": "1.0",
    "clientRequestId": "20250716172541",
    "userTokenId": "DanielREST_6644737722235_Visa",
    "clientUniqueId": "20250716172541",
    "transactionStatus": "PENDING",
    "paymentMethodErrorCode": "0",
    "userPaymentOptionId": "2308589111",
    "externalTransactionId": "2610000000535155",
    "transactionId": "2610000000000315759",
    "orderId": "137782111"
}