Card payouts

A card payout credits (pushes) funds to a card - it isn't a reversal of a previous authorised transaction.

It works in the same way as a standard transaction, except that the <paymentDetails> element includes the action="REFUND" attribute. Card payouts to specific merchant category codes (MCC), like 7995 - Gambling, must comply with specific scheme requirements. For more information, seeMCC-specific card payouts.

If you use Tokenisation, you can submit payouts to a tokenised card. SeeUse tokens for payouts.

Card payouts

Prerequisite: You have had your account enabled to submit card payouts by Corporate Support.

Copied!
<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN"
"http://dtd.worldpay.com/paymentService_v1.dtd">
<paymentService version="1.4" merchantCode="YOUR_MERCHANT_CODE">
  <submit>
    <order orderCode="ExampleOrderCode">
      <description>description</description>
      <amount value="1100" currencyCode="GBP" exponent="2"/>
      <orderContent>Order Content</orderContent>
      <paymentDetails action="REFUND"> <!--This instructs Worldpay to push funds to the shopper-->
        <VISA-SSL>
          <cardNumber>4444333322221111</cardNumber>
          <expiryDate>
            <date month="12" year="2020"/>
          </expiryDate>
          <cardHolderName>John Doge</cardHolderName>
        </VISA-SSL>
      </paymentDetails>
    </order>
  </submit>
</paymentService>

MCC-specific card payouts

Prerequisite: You have had your account enabled to process card payouts by Corporate Support. To make card payouts on a Merchant ID set up for Gambling (MCC 7995) payments, you have:

  • a Merchant ID enabled to use the Credit Fund Transfer (CFT) functionality
  • a dedicated merchant code to use in payout submissions

In the case of Gambling (MCC 7995), card payouts are used for the payment of winnings. Visa refer to these types of transactions as Original Credit Transactions (OCT); Mastercard refer to them as Mastercard Payment Transactions (PT). Mastercard PTs need to be authorised online, which results in an <AuthorisationID> element beingreturned in the response.

The submissions are the same as non-Gamblingcard payouts, except that you'll use your MCC-specific merchant code.

Although Gambling (MCC 7995) payouts are the most common use case for MCC-specific card payouts, you're able to use this functionality with other MCCs. For more information, please speak to your Relationship Manager.

Warning: Card payouts (OCTs and PTs) are only supported through certain acquirers. Please speak to your Relationship Manager to identify which acquirers are supported.

Visa Original Credit Transfer

Copied!
<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN"
"http://dtd.worldpay.com/paymentService_v1.dtd">
<paymentService version="1.4" merchantCode="YOUR_MERCHANT_CODE">
  <submit>
    <order orderCode="ORDER_CODE">
      <description>description</description>
      <amount value="1230" currencyCode="GBP" exponent="2"/>
      <orderContent>Order Content</orderContent>
      <paymentDetails action="REFUND">
        <VISA-SSL>
          <cardNumber>4444333322221111</cardNumber>
          <expiryDate>
            <date month="12" year="2020"/>
          </expiryDate>
          <cardHolderName>John Doge</cardHolderName>
        </VISA-SSL>
      </paymentDetails>
    </order>
  </submit>
</paymentService>

Mastercard Payment Transaction

Copied!
<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN"
"http://dtd.worldpay.com/paymentService_v1.dtd">
<paymentService version="1.4" merchantCode="YOUR_MERCHANT_CODE">
  <submit>
    <order orderCode="ORDER_CODE">
      <description>description</description>
      <amount value="1110" currencyCode="GBP" exponent="2"/>
      <orderContent>Order Content</orderContent>
      <paymentDetails action="REFUND">
        <ECMC-SSL>
          <cardNumber>5108382441923366</cardNumber>
            <expiryDate>
              <date month="12" year="2020"/>
            </expiryDate>
          <cardHolderName>John Doge</cardHolderName>
        </ECMC-SSL>
      </paymentDetails>
    </order>
  </submit>
</paymentService>

Cancel a Visa card payout

Warning: You must process all authorised Mastercard payouts, as cancelling the authorisation of a payout may result in a chargeback from the card issuer.

You're able to cancel a Visa card payout request as long as it has not been batched for settlement. You cancel the request by submitting an order modification that includes the <cancelRefund/> element. Cancelling a payout works for all card payouts, regardless of MCC. For more information, see the Cancel or Refund part ofModification Requests.

Best practice: So that you have the maximum amount of time to cancel a card payout, we advise that you request your card payout-specific merchant code is set up for end-of-day capture. This will give you until midnight to cancel card payouts. You can arrange this with our Corporate Support team. Changing to end-of-day capture does not affect you or your customer.

Warning: Be aware that order modifications are processed offline and can take up to fifteen minutes to be actioned.

Copied!
<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN"
"http://dtd.worldpay.com/paymentService_v1.dtd">
<paymentService version="1.4" merchantCode="YOUR_MERCHANT_CODE">
  <modify>
    <orderModification orderCode="ExampleOrderCode">
      <cancelRefund/>
    </orderModification>
  </modify>
</paymentService>

What happens next

Once the cancel request is successfully processed, Worldpay will send you a CANCELLED order notification. For more information, seeOther notification examples.

Payouts to mobile wallets

Prerequisite: You're able to access the Device Payment Account Number (DPAN) for Apple Pay, Samsung Pay and Google Pay.

You can make payout transactions to cards stored in the Apple Pay, Samsung Pay and Google Pay mobile wallet. To do this, you need to access the Device Payment Account Number (DPAN) by decrypting the payload that comes from Apple, Samsung or Google.

Payouts to a mobile wallet work in exactly the same way as a standard card payout, with the exception that you need to provide the DPAN within the <cardNumber> parameter in your request. For more information, seeApple Pay,Samsung PayandGoogle Pay.

Testing

Card payouts are fully supported within our test environment. Because Mastercard PTs are authorised online, you may have a specific requirement to test your implementation. These are the magic values for Mastercard PT. For more information, seeCard payouts test values.

Result descriptionMagic value (Amount)Card type (see Test card numbers section above)Currency
AUTHORISED1000Mastercard, Mastercard Debit, MaestroMID settlement currency
REFUSED310Mastercard, Mastercard Debit, MaestroMID settlement currency
ERROR320Mastercard, Mastercard Debit, MaestroMID settlement currency