Push-to-Card OCT Disbursement

Eligibility, funding, the OCT push, issuer credit, and the reversal branch

Push-to-Card OCT Disbursement Eligibility, funding, the OCT push, issuer credit, and the reversal branch check limits verify PAN eligible OCT ready fund OCT OCT push credit funds approved confirmed reversal return OCT returned Eligibility Fund + OCT push Reversal Payer · platform + funding · Sequence participant Payer platform + funding Network · Visa Direct / Send · Sequence participant Network Visa Direct / Send Issuer · recipient bank · Sequence participant Issuer recipient bank Recipient · cardholder · Sequence participant Recipient cardholder Legend request return security async trace

Push, not pull

  • • An OCT credits the card instead of debiting it
  • • The recipient shares only a card number, no bank details
  • • Funds usually post in seconds to minutes

Gates before money moves

  • • Limit checks bound velocity and per-transfer ceilings
  • • PAN eligibility confirms the card can receive a push
  • • Funding is authorized before the OCT is submitted

Reversals and returns

  • • A reversal unwinds a push the network still owns
  • • An issuer return sends funds back after the credit posts
  • • Both restore the payer funding source

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