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Debt Repayment

This feature is supported for Mastercard and Visa debit cards in the United Kingdom.

The United Kingdom has a regulation that permits customers to use a debit card to pay outstanding debt for another person. This person is referred to as the payment recipient. These are the types of loans that can qualify for this program:

Loans

Credit card balances

Funding the purchase of goods or services by an entity that is not the seller of the goods or services

To help reduce the high levels of fraud that occur for these kinds of transactions, you must include information about the recipient in the authorization request. These fields are required in the United Kingdom for debit transactions that are characterized under merchant category code 6012 or 6051:

recipientInformation.accountId

recipientInformation.dateOfBirth

recipientInformation.lastName

recipientInformation.postalCode

Debt repayment transactions are subject to regulatory and compliance requirements, including Know Your Customer (KYC) and Anti-Money Laundering (AML) verifications. Collecting recipient details such as date of birth, last name, account ID, and postal code ensures that transactions can be validated and monitored for fraud prevention and legal compliance.

Handling Declines

If the debt repayment transaction is declined, you cannot resubmit the transaction in any of these situations:

You have already retried the transaction three times, and each retry was declined.

More than 14 calendar days have passed since the original decline.

The issuer returns a pick up card response. This response is final—do not attempt the transaction again.

Next Steps

After a successful authorization, you can process the capture.

After a successful capture, you can process a standard follow-on refund.

Endpoint

Production:

POST https://api.smartpayfuse.barclaycard/pts/v2/payments

Test:

POST https://api.smartpayfuse-test.barclaycard/pts/v2/payments

Required Fields for a Debt Repayment Authorization

clientReferenceInformation.code
orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
orderInformation.billTo.address1
orderInformation.billTo.country
orderInformation.billTo.email
orderInformation.billTo.firstName
orderInformation.billTo.lastName
orderInformation.billTo.locality
orderInformation.billTo.postalCode
paymentInformation.card.expirationMonth
paymentInformation.card.expirationYear
paymentInformation.card.number
recipientInformation.accountId
recipientInformation.dateOfBirth
recipientInformation.lastName
recipientInformation.postalCode

REST Example: Debt Repayment Authorization

Request

{
  "clientReferenceInformation": {
    "code": "RTS-Debt-Repayment"
  },
  "paymentInformation": {
    "card": {
      "number": "4111111111111111",
      "expirationMonth": "12",
      "expirationYear": "2031"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "178.64",
      "currency": "GBP"
    },
    "billTo": {
      "firstName": "John",
      "lastName": "Doe",
      "address1": "1 Market St",
      "locality": "London",
      "postalCode": "SW1 1ST",
      "country": "GB",
      "email": "test@cybs.com"
    }
  },
  "recipientInformation": {
    "accountId": "1234567890",
    "lastName": "Smith",
    "postalCode": "12345",
    "dateOfBirth": "19900101"
  }
}

Response to a Successful Request

{
  "_links" : {
    "authReversal" : {
      "method" : "POST",
      "href" : "/pts/v2/payments/7749458393886569703091/reversals"
    },
    "self" : {
      "method" : "GET",
      "href" : "/pts/v2/payments/7749458393886569703091"
    },
    "capture" : {
      "method" : "POST",
      "href" : "/pts/v2/payments/7749458393886569703091/captures"
    }
  },
  "clientReferenceInformation" : {
    "code" : "RTS-Debt-Repayment"
  },
  "id" : "7749458393886569703091",
  "orderInformation" : {
    "amountDetails" : {
      "authorizedAmount" : "178.64",
      "currency" : "GBP"
    }
  },
  "paymentAccountInformation" : {
    "card" : {
      "type" : "001"
    }
  },
  "paymentInformation" : {
    "tokenizedCard" : {
      "type" : "001"
    },
    "card" : {
      "type" : "001"
    }
  },
  "pointOfSaleInformation" : {
    "terminalId" : "04980984"
  },
  "processorInformation" : {
    "paymentAccountReferenceNumber" : "V0010013018036776997406844475",
    "merchantNumber" : "0006817027",
    "approvalCode" : "178",
    "merchantAdvice" : {
      "code" : "00",
      "codeRaw" : "0"
    },
    "networkTransactionId" : "123456789012345",
    "transactionId" : "123456789012345",
    "responseCode" : "0",
    "avs" : {
      "code" : "U",
      "codeRaw" : "00"
    }
  },
  "status" : "AUTHORIZED",
  "submitTimeUtc" : "2026-03-31T08:30:39Z"
}