Debt Repayment Data
Debt repayments are transactions that are used to pay off debt. For example, a payer can perform a card payment to pay off the balance of their credit card. You can submit debt repayment transactions to ANZ Worldline Payment Solutions if ANZ Worldline Payment Solutions has enabled you for debt repayment transaction for at least one funding method such as CREDIT, DEBIT, or CHARGE. If the gateway is unable determine the funding method for a debt repayment transaction, the transaction is rejected.
Supported for following methods:
| Integration methods | Payment methods | Transactions |
|---|---|---|
| All | Credit cards (Mastercard and Visa) |
|
To view an example of an API request with debt repayment data, download the Postman collection.
- 6012 (Financial Institutions: Merchandise and Services)
- 6051 (Non-Financial Institutions: Foreign Currency, Non-Fiat Currency)
When submitting a debt repayment transaction to the gateway, you must provide a debt indicator and may have to provide additional information about the payment recipient. Payment recipient data includes additional information about the person receiving the funds. This data can be submitted to the acquirer and is used to assess payment risk, thereby reducing fraudulent transactions.
Mastercard card-specific fields
To initiate a debt repayment transaction, provide the following debt repayment data fields in the debtRepayment objects in addition to the standard fields:
debtRepayment.recipient.accountIdentifierAccount identifier for the payment recipient's account.
debtRepayment.recipient.dateOfBirthDate of birth of the primary payment recipient in yyyy-mm-dd format.
debtRepayment.recipient.lastNameLast name of the primary payment recipient.
debtRepayment.recipient.postcodeZipPostcode of the primary payment recipient.
The submitted data is returned in the transaction response — date of birth and account identifier are masked.
- 6012 (Merchandise and Services—Customer Financial Institution and a TCC of U (Unique transaction))
- 6050 (Quasi Cash—Customer Financial Institution)
Visa card-specific fields
To initiate a debt repayment transaction, provide the following debt repayment data fields in the order and debtRepayment objects in addition to the standard fields:
order.purchaseTypePurchase of specific types of goods or services. Set this field to DEBT_REPAYMENT. This field is mandatory.
debtRepayment.recipient.accountIdentifierAccount identifier for the payment recipient's account.
debtRepayment.recipient.dateOfBirthDate of birth of the primary payment recipient in yyyy-mm-dd format.
debtRepayment.recipient.lastNameLast name of the primary payment recipient.
debtRepayment.recipient.postcodeZipPostcode of the primary payment recipient.
The submitted data is returned in the transaction response — date of birth and account identifier are masked.
Example of Debt Repayment fields
"order": {
"purchaseType": "DEBT_REPAYMENT"
},
"debtRepayment": {
"recipient": [
{
"accountIdentifier": 1234567891234567",
"dateOfBirth": "1977-01-01",
"lastName": "Smith",
"postcodeZip": "5656",
},
]
}