# Financial Services

If you provide financial services, debt repayments, or consumer bill payments, you must supply additional details in the authorization request for compliance reasons.

## Debt repayment

If you are taking payment from your customer for the purpose of repayment of a debt, then you must include the `instruction.debtRepayment` boolean with a value of `true`.

Examples of debts:

- loans (eg auto, personal, student)
- funding of the purchase of goods/services by a third party


Use of a credit card to take debt repayments is not permitted.

Non-eligible debt types:

- lease payments where ownership of the goods does not automatically pass to the lease at the end of the lease
- installment or delayed payments for the purchase of goods or services under terms provided by the merchant (see [repeat payments](/products/card-payments/repeat-payments))


Example:


```
  "instruction": {
        "debtRepayment": true
        ...
    }
```

## Consumer bill payments

If you are registered with Visa as a Consumer Bill Payment Service provider, then you must include the `consumerBillPayment` boolean with a value of `true` for any payments taken for the purpose of paying consumer bills.

Example:


```
    "instruction": {
        "consumerBillPayment": true
        ...
    }
```

## Recipient data (MCC 6012)

Domestic Financial Services providers (MCC 6012) based in the Visa Europe Region must supply recipient data for all Visa transactions.

This applies even if you also take payments for services not categorized under MCC 6012.

Supply the `recipient` object at root level.

### Parameters

Example:


```
...
    "recipient": {
        "accountReference": "12499844",
        "lastName": "Moriarty",
        "address": {
            "postalCode": "SW1 1AA"
        },
        "dateOfBirth": {
            "day": 29,
            "month": 4,
            "year": 1990
        }
    }
```