# Account URIs
source: https://developer.mastercard.com/mastercard-send-disbursements/documentation/field-uris-codes/account-uris/index.md
This table provides guidance for specifying an Account URI.
**Notes about `sender_account_uri` field:** See [Funding Source](https://developer.mastercard.com/mastercard-send-disbursements/documentation/field-uris-codes/funding-source/index.md) for further guidance, especially when the source is a deposit account, cash, or any form of Mobile Money account or staged wallet. For disbursements to Mastercard accounts, you must provide a `sender_account_uri` value that identifies the Sender's account, for example the full PAN or token (for a card account), full account number (for a Deposit or Bank Account), or full wallet ID (for a wallet). Exceptions:
* Exception 1: If the funding source is cash, the `sender_account_uri` value must be 'raw:#CASH' or 'raw:9999999999999995'. Also provide `sender.account_type` = '00' and `funding_source` = 'CASH'.
* Exception 2: The program standards documents (links provided below) mention the Sender Identification Number, which relates to the Sender [Government ID URI](https://developer.mastercard.com/mastercard-send-disbursements/documentation/field-uris-codes/gov-id-uris/index.md) field (`sender.government_ids.government_id_uri`). If you provide a Sender Identification Number in that API field, you may provide the `sender_account_uri` value as 'raw:#NA' or 'raw:9999999999999995'. Also provide `sender.account_type` = '00' and `funding_source` = 'OTHER'. In this situation, you or your partner Originating Institution must be able to promptly produce the Funding Account Number if requested to do so by the Receiving Institution, Mastercard, or a Governmental Authority.
For additional details relating to the Sender Account, see the [*Mastercard MoneySend and Funding Transactions Program Standards Addendum for Coding Standards*](https://trc-techresource.mastercard.com/r/bundle/m_msacs_en-us/page/d/en-US) or [*Mastercard Gaming and Gambling Payments Program Standards*](https://trc-techresource.mastercard.com/r/bundle/m_GGPPS_en-us/page/d/en-US), which are available in the [Technical Resource Center](https://trc-techresource.mastercard.com/) on Mastercard Connect.
| Scheme | Scheme Specific Data |
|-------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| pan | Specifies a card account number (PAN) or tokenized PAN. If you provide a Visa token, see also [Merchant Verification Value (MVV)](https://developer.mastercard.com/mastercard-send-disbursements/documentation/field-uris-codes/account-uris/index.md#merchant-verification-value-mvv). Data format: {PAN/tokenized PAN}\[;exp=YYYY-MM\]\[;cvc=NNNN\] Where: * PAN = numeric, length 11-19 * Tokenized PAN = numeric, length 16 * The square brackets indicate optional elements: expiration date \[;exp=YYYY-MM\] and Card Verification Code (CVC) \[;cvc=NNNN\] * For PANs, expiration date is optional but including it can improve approval rates * For tokenized PANs, expiration date is required
PAN examples: * pan:5102589999999913 * pan:5102589999999913;exp=2077-08 * pan:5102589999999913;cvc=123 * pan:5102589999999913;exp=2077-08;cvc=123
Tokenized PAN examples: * pan:5432231452673894;exp=2077-08 * pan:5432231452673894;exp=2077-08;cvc=123 |
| raw | Specifies a deposit account or generic account number that is not a PAN. Only valid for Sender/Funding Account URI on a disbursement (payment transaction). This scheme cannot be used for `recipient_account_uri`. You can use this scheme to specify account identifiers such as email addresses, phone numbers, social network IDs, and wallet IDs. In some situations, you may use this scheme to provide the values #CASH, #NA, or 9999999999999995; see Exception 1 and Exception 2 in the note at the top of this page. Ensure you provide the appropriate `sender.account_type` and `funding_source` values, see [Account Type](https://developer.mastercard.com/mastercard-send-disbursements/documentation/field-uris-codes/account-type/index.md) and [Funding Source](https://developer.mastercard.com/mastercard-send-disbursements/documentation/field-uris-codes/funding-source/index.md). Data format: alphanumeric special, max length 50. Special characters: \ ! " # $ % \& ' ( ) \* + , - . / : ; \< = \> ? @ \[ \\ \] _ \` { \| } \~ For Visa OCT and U.S. PIN Debit Networks: alphanumeric, max length 34. Examples: * raw:123456789012 * raw:test123@abcmail.com * raw:9999999999999995 * raw:#CASH * raw:#NA * raw:081000032+234098135 *(example of Routing Transit Number (RTN) + Bank Account)* * raw:DE91 1000 0000 0123 4567 89 *(example of IBAN)* * raw:237890450978234+BSNJCRSJXXX *(example of Bank account number (BAN) + Bank Identification Сode (BIC))* |
| acct-token | **For use with the Lightbox service.** Specifies a Lightbox token, which is a temporary system identifier generated by the Lightbox secure card capture service and returned as part of the capture response. This token can be used by financial and non-financial services that receive an Account URI. However, for financial services (Disbursement) the token can only be used once. This token has a lifespan of 30 minutes and should not be used as a permanent account identifier. Data format: 1-NN character alphanumeric Example: acct-token:suZz18lhAFvx9LQa6U2VMxs0BJLAD_TXVzYvaqTsjcG_AImuzmvNXQ |
| sds-mapping-id | **For use with the Consumer Mapping service.** Specifies the system-generated Mapping ID of a Consumer record in the Consumer Mapping service. The ID was returned by the service when the consumer mapping was registered/created. The ID can be used as an alias to initiate a payment from/to the default account. See [Using SDS Aliases](https://developer.mastercard.com/mastercard-send-disbursements/documentation/field-uris-codes/account-uris/index.md#using-sds-aliases). Data format: alphanumeric special \[a-zA-Z0-9_-\], maximum length 32 Example: sds-mapping-id:mpng_5-ITK5Ge-gDli54oFgz-AN9SUwv |
| sds-mapping-ref | **For use with the Consumer Mapping service.** Specifies the partner-provided Mapping Reference of a Consumer record in the Consumer Mapping service. The reference was provided to the service when the Consumer was registered/created. The reference can be used as an alias to initiate a payment from/to the default account. See [Using SDS Aliases](https://developer.mastercard.com/mastercard-send-disbursements/documentation/field-uris-codes/account-uris/index.md#using-sds-aliases). Data format: alphanumeric special \[a-zA-Z0-9\*,-._\~\], length 6-40 Example: sds-mapping-ref:REF_34532535667005 |
| sds-acct-id | **For use with the Consumer Mapping service.** Specifies the system-generated Account ID of an Account record in the Consumer Mapping service. The ID was returned by the service when the Account was registered/created. The ID can be used as an alias to initiate a payment from/to that account. See [Using SDS Aliases](https://developer.mastercard.com/mastercard-send-disbursements/documentation/field-uris-codes/account-uris/index.md#using-sds-aliases). Data format: alphanumeric special \[a-zA-Z0-9_-\], maximum length 32 Example: sds-acct-id:acct_MSIL0iiUEU1V_ISouEU4eVNi_4e |
| sds-acct-ref | **For use with the Consumer Mapping service.** Specifies the partner-provided Account Reference of an Account record in the Consumer Mapping service. The reference was provided to the service when the Account was registered/created. The reference can be used as an alias to initiate a payment from/to that account. See [Using SDS Aliases](https://developer.mastercard.com/mastercard-send-disbursements/documentation/field-uris-codes/account-uris/index.md#using-sds-aliases). Data format: alphanumeric special \[a-zA-Z0-9\*,-._\~\], length 6-40 Example: sds-acct-ref:acc_334631673134562097381451433476935676 |
| sds-account-alias | **For use with the Consumer Mapping service.** Specifies an account alias (such as an email address or Social Security Number) that is associated with an Account record in the Consumer Mapping service. The account alias can be used to initiate a payment from/to an account when it is mapped to either: * Only one account in a consumer mapping record * The default account, when it is mapped to more than one account in a consumer mapping record See [Using SDS Aliases](https://developer.mastercard.com/mastercard-send-disbursements/documentation/field-uris-codes/account-uris/index.md#using-sds-aliases). For schema and data format information, see [Account Aliases](https://developer.mastercard.com/mastercard-send/documentation/account-aliases/). Examples: * sds-account-alias:email=test123@abcmail.com * sds-account-alias:ssn=078051120 |
| acct-ref | **For use with the legacy v1 Consumer Mapping service.** Specifies the partner-provided account reference identifier of an Account record in the Consumer Mapping service. The ID was provided to the service when the Account was registered/created. Data format: 1-NN character alphanumeric Example: acct-ref:user1234acct1 |
| id | **For use with the legacy v1 Consumer Mapping service.** Specifies the system-generated Account ID of an Account record in the Consumer Mapping service. The ID was returned by the service when the Account was registered/created. Data format: NN character alphanumeric Example: id:o56b7x2jlq6u1avloma1 |
| consumer-ref | **For use with the legacy v1 Consumer Mapping service.** Specifies the partner-provided consumer reference identifier of a Consumer record in the Consumer Mapping service. The ID was provided to the service when the Consumer was registered/created. A given consumer reference identifier can only be used to initiate a disbursement if the Consumer record has a specified default account in the Consumer Mapping service. Data format: 1-NN character alphanumeric Example: consumer-ref:user1234 |
You can use the Account URI schemes in request messages for the following APIs:
| API | Field | Schemes Accepted |
|--------------|-----------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Disbursement | sender_account_uri | pan raw acct-token sds-mapping-id (will use default account for consumer) sds-mapping-ref (will use default account for consumer) sds-acct-id sds-acct-ref sds-account-alias acct-ref id (Account ID) consumer-ref (will use default account for consumer) |
| Disbursement | recipient_account_uri | pan acct-token sds-mapping-id (will use default account for consumer) sds-mapping-ref (will use default account for consumer) sds-acct-id sds-acct-ref sds-account-alias acct-ref id (Account ID) consumer-ref (will use default account for consumer) |
## Merchant Verification Value (MVV) {#merchant-verification-value-mvv}
If you submit a Disbursement request for a Visa token, you must provide the Visa-provided Merchant Verification Value (MVV) in the `merchant_verification_value` field. Otherwise, you will get an error message indicating a missing field.
## Using SDS Aliases {#using-sds-aliases}
When you use the aliases 'sds-mapping-id', 'sds-mapping-ref', 'sds-acct-id', 'sds-acct-ref' or 'sds-account-alias' in an API request, Mastercard Send will retrieve the required consumer/account values from the Consumer Mapping service, based on the alias, and use those values for initiating the payment.
If you supply additional fields in your API request payload to identify the consumer/account, Mastercard Send will act as follows:
* **Fields already captured in Consumer Mapping service:** Mastercard Send will use the Consumer Mapping values and ignore those you supplied
* **Fields not captured in Consumer Mapping service:** Mastercard Send will include your values when initiating the payment