Source of Funds

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Doing Payment Transactions/OCTs? Domestic and/or Cross-Border?
Source of Funds is required on all Payment OCTs requests for both Domestic and international.
Effective ~~April 11, 2025~~ October 17, 2025 (Updated), transactions will be declined by Visa if the Source of Funds field is not populated in all OCTs.

Per the October 2024 Visa Mandate, Source of Funds is a required field on all OCTs - Domestic and Cross-border. TabaPay requires clients to pass this information via TabaPay's Unified Create Transaction API.

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Required on both Domestic and Cross-border OCTs
Talk to your TabaPay Account Manager should you have questions.

How Do I Send Source of Funds?

TabaPay's Unified Create Transaction API request supports clients to send in Source of Funds field.

Push transactions

In a push transaction, populate the Source of Funds field in the corresponding object in the Create Transaction API request.

OCT Request

{
    "corresponding": {
        "name": {
            "first": "Sender",
            "last": "Name"
        },
        "address": {
            "line1": "123 Street",
            "city": "San Francisco",
            "state": "CA",
            "zip": "94103",
            "country": "840"
        },
        "sourceOfFunds": "Debit Card"   <----- Source of Funds here
    },
    "accounts": {
        "sourceAccountID": "2EWKxMcvD6MuLtt8EgNSKK",
        "destinationAccount": {
            "card": {
                "accountNumber": "4111111111111111",
                "expirationDate": "202708",
            },
            "owner": {
                "name": {
                    "first": "Recipient",
                    "last": "Name"
                },
                "address": {
                    "zipcode": "94301",
                    "country": "840"
                }
            }
        }
    },
    "memo": "Payment from Sender to Recipient",
    "referenceID": "1kdevt07242024",
    "type": "push",
    "amount": "2.00"
}

Code Samples

See how source of funds is used in the following recipes.

21. A2A Push Transaction

Open Recipe

19. P2P Push Transaction

Open Recipe

22. Cross-Border OCT

Open Recipe