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Original Credit Transactions (OCTs)

An OCT deposits funds into a recipient’s account.

Endpoint

Production:
POST
https://api.cybersource.com
/pts/v2/payments
Test:
POST
https://apitest.cybersource.com
/pts/v2/payments

Required Fields for an OCT

These fields are required in a request for an OCT:
Required when the merchant descriptor field is included.
Required for
Chase Paymentech Solutions
.
Required when the merchant descriptor contact field is included.
Required for
Chase Paymentech Solutions
.
Cannot exceed 50,000 USD.
Last name of sender when the sender is an individual. Required for original credit transactions (OCTs) that use the Payouts services and supported only for Mastercard card transactions. If the sender is a business or government entity, use the
senderInformation.name
 field instead.
If the sender is an individual, use the
senderInformation.firstName
 and
senderInformation.lastName
 fields instead.

REST Example: OCT Request

Request: Authorization Service for an OCT
{
    "clientReferenceInformation": {
        "code": "TC-23456$",
        "requestId": "6642672790803228323604"
    },
    "merchantInformation": {
        "merchantId": "pa_oct_sg101_ccs",
        "merchantDescriptor": {
            "street": "test",
            "state": "CA"
        }
    },
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "0.01",
            "currency": "USD"
        }
    },
    "paymentInformation": {
        "card": {
            "number": "411111111111XXXX",
            "expirationMonth": "12",
            "expirationYear": "2026",
            "type": "001"
        }
    },
    "processingInformation": {
        "businessApplicationId": "aa",
        "icsApplications": "ics_oct"
    },
    "recipientInformation": {
        "name": "RecepientNameRecepientNameName",
        "firstName": "rfirstName",
        "middleName": "rmiddlename",
        "lastName": "rlastname",
        "address": {
            "address1": "test",
            "address2": "test",
            "buildingNumber": "test",
            "city": "test",
            "country": "US",
            "postalCode": "9440",
            "streetName": "test",
            "state": "1"
        }
    },
    "senderInformation": {
        "account": {
            "number": "1234",
            "fundsSource": "03"
        },
        "address": "abc",
        "city": "SenderCitySenderCitySende",
        "country": "Zim",
        "id": "ms_user",
        "referenceNumber": "1",
        "state": "AZ"
    }
}
Response: Authorization Service for an OCT
{
    "clientReferenceInformation": {
        "code": "TC-23456$"
    },
    "id": "7465072232626783103812",
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "0.01",
            "currency": "USD"
        }
    },
    "processorInformation": {
        "approvalCode": "888888",
        "responseCode": "100"
    },
    "reconciliationId": "610954017ABE1KUI",
    "status": "ACCEPTED",
    "submitTimeUtc": "2025-05-06T045343Z"
}