Definition

Original Credit Transfer (OCT) is a type of fund transfer that allows a sender (merchant, or platform) to credit funds directly to a cardholder’s account, through the card network rails.

Implementing OCT processing is a VISA network mandate. Xpollens is now processing them correctly.

An Original Credit Transfer is characterized by:

• cardOperationType= CreditCard
• context = FundTransfer

sequenceDiagram
title: OCT
autonumber
Actor User
participant Merchant
participant BPCE
participant Xpollens SAE
participant Partner

Note over User, Partner: real time reimbursement
	User ->> Merchant: reimbursement requested
  Merchant ->> BPCE: credit transfer
  BPCE ->> Xpollens SAE: Credit transfer
  Xpollens SAE ->> BPCE: Credit transfer validated

Par User notification in the mobile app
	Xpollens SAE -->> Partner:  Callback <br/>  CardOperationCreatedOrUpdated
  Partner ->> User: notification
and Author validation
		BPCE ->> Merchant: Credit transfer validated
    Merchant ->> User: Credit transfer succeeded
end

Note over User, Partner: Clearing
	Merchant ->> BPCE: credit transfer clearing
  BPCE ->> Xpollens SAE: Credit transfer clearing
  Xpollens SAE -->> Partner:  Callback <br/>  CardOperationCreatedOrUpdated

Rules

When an OCT is received, both the authorization balance and the accounting balance are credited.

In the API, both the cardAuthorizationDetail and cardClearingDetail sections are populated.

Note: Since the credit confirmation is also received in the clearing file, you will receive an additional webhook containing the same information, with improved reliability due to the more detailed data it includes.

How to test