Send and receive
When you send funds directly to a debit card, we call this a push payment, or a push-to-card (P2C) transaction using the send funds to a payee API. The issuing bank (of the registered debit card) receives the transaction. The issuing bank either authorizes or declines the transaction. If the bank authorizes the transaction, your payee will receive the funds. A push payment is also known as Original Credit Transaction (OCT).
Original credit transactions (OCTs) reversals can occur only under specific circumstances, and at the discretion of the card issuer. Once the funds have been delivered to the cardholder, OCTs cannot be reversed through the Card Payments API. For assistance in requesting a reversal on a specific transaction, please contact your Cross River relationship manager.
Download Cross River's OCT fraud submission protocol:
Are also known as an Account Funding Transaction (AFT). It lets you pull funds from a debit card for specific purposes. You can use an AFT to fund a wallet or a prepaid card through the request funds for a payer API . Or, you can use it to initiate a person to person (P2P) transfer through the card network rails. AFTs are not allowed for buying goods and services.