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P2P Transfers

The functionality of P2P transfers allows you to transfer funds from one card to another.

Technically, on the side of payment systems, the transfer scheme is implemented in two stages:

  1. Charging funds from the source card (from the sender);
  2. Replenishing the receiver card (the recipient).

The transfer interface offered by Demo PSP allows you to implement this functionality in one step (executing the p2p operation).

When making a transfer, the payer is charged a commission, which is stated in the P2P transfer contract. Thus, the amount parameter should specify an amount that will be credited to the recipient card. The commission for the transfer is deducted from the source card.

The ability of a P2P transfer is supported in the Demo PSP API or through a ready-made P2P transfer page hosted on the Demo PSP side.

When making a P2P transfer, the following requirements established by the international payment system must be met:

  1. Mandatory verification of the source card using 3-D Secure authentication mechanism.
  2. Mandatory input of CVV2/CVC2 code for the source card.

For P2P transfers with Apple Pay, Samsung Pay and Google Pay, indicate the encrypted token as a token of the source card and the token primary account number (PAN or DPAN) as a number of the recipient card.

Info

Refund operation is not possible for P2P transfers.