# Debt Repayment Data
source: https://developer.mastercard.com/mastercard-gateway/documentation/gateway-features/data-and-reporting/supp-data/debt-repay-data/index.md

Debt repayments are transactions that are used to pay off debt. For example, a payer can perform a card payment to pay off the balance of their credit card. You can submit debt repayment transactions to your payment service provider if your payment service provider has enabled you for debt repayment transaction for at least one funding method, such as CREDIT, DEBIT, or CHARGE. If the gateway is unable to determine the funding method for a debt repayment transaction, the transaction is rejected.

The following methods are supported:

| Integration methods |          Payment methods           |        Transactions        |
|---------------------|------------------------------------|----------------------------|
| All                 | Credit cards (Mastercard and Visa) | * AUTHORIZE * PAY * VERIFY |

To view an example of an API request with debt repayment data, download the [Postman collection](https://www.postman.com/mastercard/mastercard-developers/collection/4fakvrd/mastercard-gateway-api).
Warning: Visa has special messaging requirements for debt repayment transactions. The debt repayment data must be supplied to comply with Visa merchant regulations. Debt repayment data only applies to merchants who process Visa card transactions and have the following Merchant Category Codes (MCC):

* 6012 (Financial Institutions: Merchandise and Services)
* 6051 (Non-Financial Institutions: Foreign Currency, Non-Fiat Currency)

When submitting a debt repayment transaction to the gateway, you must provide a debt indicator and may have to provide additional information about the payment recipient. Payment recipient data includes additional information about the person receiving the funds. This data can be submitted to the acquirer and is used to assess payment risk, thereby reducing fraudulent transactions.

### Mastercard card-specific fields {#mastercard-card-specific-fields}

To initiate a debt repayment transaction, provide the following debt repayment data fields in the debtRepayment objects in addition to the standard fields:

* `debtRepayment.recipient.accountIdentifier`   

  Account identifier for the payment recipient's account.

* `debtRepayment.recipient.dateOfBirth`   

  Date of birth of the primary payment recipient in yyyy-mm-dd format.

* `debtRepayment.recipient.lastName`   

  Last name of the primary payment recipient.

* `debtRepayment.recipient.postcodeZip`   

  Postcode of the primary payment recipient.

The submitted data is returned in the transaction response --- date of birth and account identifier are masked.
Warning: Debit Mastercard domestic debt repayment transactions in which a U.K. debit card is used to repay another card and must have one of the following Merchant Category Codes (MCC):

* 6012 (Merchandise and Services---Customer Financial Institution and a TCC of U (Unique transaction))
* 6050 (Quasi Cash---Customer Financial Institution)

### Visa card-specific fields {#visa-card-specific-fields}

To initiate a debt repayment transaction, provide the following debt repayment data fields in the order and debtRepayment objects in addition to the standard fields:

* `order.purchaseType`   

  Purchase of specific types of goods or services. Set this field to DEBT_REPAYMENT. This field is mandatory.

* `debtRepayment.recipient.accountIdentifier`   

  Account identifier for the payment recipient's account.

* `debtRepayment.recipient.dateOfBirth`   

  Date of birth of the primary payment recipient in yyyy-mm-dd format.

* `debtRepayment.recipient.lastName`   

  Last name of the primary payment recipient.

* `debtRepayment.recipient.postcodeZip`   

  Postcode of the primary payment recipient.

The submitted data is returned in the transaction response --- date of birth and account identifier are masked.

## Example of Debt fields {#example-of-debt-fields}

```json
{
  "order": {
    "purchaseType": "DEBT_REPAYMENT"
  },
  "debtRepayment": {
    "recipient": [
      {
        "accountIdentifier": "1234567891234567",
        "dateOfBirth": "1977-01-01",
        "lastName": "Smith",
        "postcodeZip": "5656"
      }
    ]
  }
}
```

**Debt Repayment Indicator API Reference** [\[REST\]](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) [\[NVP\]](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/nvp/api-ops/index.md#transaction)