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Original Credit Transaction (OCT)

Original Credit Transaction (OCT) is a transaction often used to push funds to the receiver to finalize P2P (person-to-person) fund transfers.

Overpay considers and processes an OCT as a payout transaction. Thus, an OCT request and a returned response are similar to those of a payout transaction. The following parameters are required additionally to mandatory parameters of a payout request:

  • recipient_credit_card.number or recipient_credit_card.token
  • recipient_billing_address.first_name
  • recipient_billing_address.last_name

An OCT can not be reversed.


Please note that an OCT is not supported by the widget or the payment page. A specific gateway and merchant account setup might also be required. Contact your Account Manager.