Visa Direct to Account

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On this page:
Attributes
  • METHOD TYPEBank Transfer
  • PAYMENTS
  • PAYOUTS
  • REFUNDS
  • RECURRING

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
  • Hong Kong
  • India
  • Japan
  • Philippines
  • Poland
  • Romania
  • Singapore
  • South Africa
  • USA

Supported Currencies

  • CAD
  • HKD
  • INR
  • JPY
  • PHP
  • PLN
  • RON
  • SGD
  • ZAR
  • USD

Payout (Withdrawal) Flow

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To perform a payout with Visa Direct to Account Payouts, you must use the /accountCapture method before sending the /payout request.

  1. Generate a sessionToken. Press here for details.
  2. Send an /accountCapture request that includes the following mandatory fields as shown in the example request.
    • userTokenId – Unique customer identifier in merchant system.
    • paymentMethod – “apmgw_International_Transfers“
    • currencyCode – Three-letter ISO currency code for a supported currency.
    • countryCode – Two-letter ISO country code for a supported country. The country must be where the currency is used.
    • languageCode – Two-letter code.
Example /accountCapture Request
{
    "sessionToken": "",
    "merchantId": "{{merchantId}}",
    "merchantSiteId": "{{merchantSiteId}}",
    "userTokenId": "DanielREST_6644777722235_Visa",
    "paymentMethod": "apmgw_International_Transfers",
    "currencyCode": "USD",
    "countryCode": "US",
    "languageCode": "EN"
}
Example /accountCapture Response
{
    "internalRequestId": 1766049986428,
    "status": "SUCCESS",
    "errCode": 0,
    "reason": "",
    "merchantId": "5634436935940029474",
    "merchantSiteId": "242181",
    "version": "1.0",
    "sessionToken": "2357e32599d240b4a0778c154838b1fc0111",
    "redirectUrl": "https://apmtest.gate2shop.com/ppp/resources/cdn/v1/payment-details-899217.html?payloadUrl=https%3A%2f%2fjumpbox.safecharge.com%2fapm%2fvisaearthport%2fv1%2fpayload%3FSignature%3D3GDqr1Mnz3yi3bzNF885weGA3ptoLDNl93VQb6iYKP4%253D%26EncryptedId%3DEDD5DCEC946B5B14543FADDB6FF09788&returnUrl=https%3A%2f%2fjumpbox.safecharge.com%2fdmz%2fSmartConnector%2fBankCapture%2fEDD5DCEC946B5B14543FADDB6FF09788",
    "userTokenId": "DanielREST_6644777722235_Visa"
}
  1. Use the redirectUrl to redirect the customer to an account details capture interface for them to enter account details.
  2. Once the information is captured, Nuvei stores the data in a userPaymentOptionId (UPO) identifier, and sends a DMN with the newly created userPaymentOptionId.
  3. Send a /payout request and include the userPaymentOptionId. Press here for an example.
    After the transaction is processed, Nuvei sends a DMN that includes the result of the transaction to urlDetails.notificationUrl, which Nuvei recommends including in the /payout request.
Example Payout DMN with Status=APPROVED
...wdOrderId=97733680121&wdRequestId=110593870121&gwTrxId=1620000000544219339&notificationType=WITHDRAW_ORDER_NOTIFICATION&merchantSiteId=305718&merchantGwId=3173458726623426926&merchantLocale=en_US&wdRequestState=Closed&wdRequestStatus=Approved&wdOrderStatus=Settled&settlementType=WITHDRAWAL&gwErrCode=0&gwExtendedErrorCode=0&apmTrxId=1620000578317484&externalTransactionId=281475417188817&apmReferenceId=45C5C92E7489151FD0EDBA8A5259B543&apmErrorCode=0&firstName=Test&lastName=Test&userTokenId=TestWD2025092204&zip=AB1234&city=Test&country=JP&email=test%40test.com&address=Test&amount=20.00&approvedAmount=20.00&currency=JPY&userId=JPN-Negative-Apptest&userPMId=151496206121&paymentMethod=apmgw_International_Transfers&version=1.0&pmDisplayName=2302854&operatorName=Amir.BenChetrit&client_ip=172.226.56.42&wdOrderAmount=20.00&wdOrderCurrency=JPY&responseTimeStamp=2025-10-06.06%3A13%3A01&ExternalaccountID=2302854&feeAmount=0.0&transactionAmount=20.0&upoRegistrationDate=20251004&apmPayerInfo=%5B%7B%22name%22%3A%22ExtraTransactionInfo%22%2C%22value%22%3A%22%7B%5C%22paymentRail%5C%22%3A%5C%22ACH%5C%22%7D%22%7D%5D&acquirerBank=Direct2AccountVisaMS-PI&checksum=ff0e8466e96e96e99bbe21a9721d1ceb

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

REST API

To perform a payout with Visa Direct to Account Payouts, you must use the /accountCapture method before sending the /payout request.

  1. Generate a sessionToken. Press here for details.
  2. Send an /accountCapture request that includes the following mandatory fields as shown in the example request.
    • userTokenId – Unique customer identifier in merchant system.
    • paymentMethod – “apmgw_International_Transfers“
    • currencyCode – Three-letter ISO currency code for a supported currency.
    • countryCode – Two-letter ISO country code for a supported country. The country must be where the currency is used.
    • languageCode – Two-letter code.
Example /accountCapture Request
{
    "sessionToken": "",
    "merchantId": "{{merchantId}}",
    "merchantSiteId": "{{merchantSiteId}}",
    "userTokenId": "DanielREST_6644777722235_Visa",
    "paymentMethod": "apmgw_International_Transfers",
    "currencyCode": "USD",
    "countryCode": "US",
    "languageCode": "EN"
}
Example /accountCapture Response
{
    "internalRequestId": 1766049986428,
    "status": "SUCCESS",
    "errCode": 0,
    "reason": "",
    "merchantId": "5634436935940029474",
    "merchantSiteId": "242181",
    "version": "1.0",
    "sessionToken": "2357e32599d240b4a0778c154838b1fc0111",
    "redirectUrl": "https://apmtest.gate2shop.com/ppp/resources/cdn/v1/payment-details-899217.html?payloadUrl=https%3A%2f%2fjumpbox.safecharge.com%2fapm%2fvisaearthport%2fv1%2fpayload%3FSignature%3D3GDqr1Mnz3yi3bzNF885weGA3ptoLDNl93VQb6iYKP4%253D%26EncryptedId%3DEDD5DCEC946B5B14543FADDB6FF09788&returnUrl=https%3A%2f%2fjumpbox.safecharge.com%2fdmz%2fSmartConnector%2fBankCapture%2fEDD5DCEC946B5B14543FADDB6FF09788",
    "userTokenId": "DanielREST_6644777722235_Visa"
}
  1. Use the redirectUrl to redirect the customer to an account details capture interface for them to enter account details.
  2. Once the information is captured, Nuvei stores the data in a userPaymentOptionId (UPO) identifier, and sends a DMN with the newly created userPaymentOptionId.
  3. Send a /payout request and include the userPaymentOptionId. Press here for an example.
    After the transaction is processed, Nuvei sends a DMN that includes the result of the transaction to urlDetails.notificationUrl, which Nuvei recommends including in the /payout request.
Example Payout DMN with Status=APPROVED
...wdOrderId=97733680121&wdRequestId=110593870121&gwTrxId=1620000000544219339&notificationType=WITHDRAW_ORDER_NOTIFICATION&merchantSiteId=305718&merchantGwId=3173458726623426926&merchantLocale=en_US&wdRequestState=Closed&wdRequestStatus=Approved&wdOrderStatus=Settled&settlementType=WITHDRAWAL&gwErrCode=0&gwExtendedErrorCode=0&apmTrxId=1620000578317484&externalTransactionId=281475417188817&apmReferenceId=45C5C92E7489151FD0EDBA8A5259B543&apmErrorCode=0&firstName=Test&lastName=Test&userTokenId=TestWD2025092204&zip=AB1234&city=Test&country=JP&email=test%40test.com&address=Test&amount=20.00&approvedAmount=20.00&currency=JPY&userId=JPN-Negative-Apptest&userPMId=151496206121&paymentMethod=apmgw_International_Transfers&version=1.0&pmDisplayName=2302854&operatorName=Amir.BenChetrit&client_ip=172.226.56.42&wdOrderAmount=20.00&wdOrderCurrency=JPY&responseTimeStamp=2025-10-06.06%3A13%3A01&ExternalaccountID=2302854&feeAmount=0.0&transactionAmount=20.0&upoRegistrationDate=20251004&apmPayerInfo=%5B%7B%22name%22%3A%22ExtraTransactionInfo%22%2C%22value%22%3A%22%7B%5C%22paymentRail%5C%22%3A%5C%22ACH%5C%22%7D%22%7D%5D&acquirerBank=Direct2AccountVisaMS-PI&checksum=ff0e8466e96e96e99bbe21a9721d1ceb

Web SDK

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

User Experience

  1. The customer selects withdrawal on cashier page.
  2. 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.


  3. 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.

Last update iconLast modified January 2026