# Financial Services (including MCC 6012/6051)

Enterprise

If you're a domestic Financial Services provider (MCC 6012) based in the Visa Europe Region, you must supply this additional data for Visa transactions with each order:

### How to enable

Using `instruction.recipient` within the payment request

#### Example


```
"instruction": {
...
  "recipient": {
    "accountReference": "12499844",
    "lastName": "Moriarty",
    "address": {
        "postalCode": "SW1 1AA"
    },
    "dateOfBirth": "1985-11-23"
  }
}
```

See the full [API schema](/products/payments/openapi)

#### Recipient Object Schema

## Debt repayment indicator for MCC 6012 and 6051

The schemes introduced a mandate for debt repayment transactions on debit and prepaid cards in all regions under merchant category codes (MCCs) 6012 and 6051.

Scheme rules define debt as money owed by one party (debtor) to another party (creditor), including the obligation to repay money in connection with the following:

* Loans
* Credit card balances
* Funding of the purchase of goods/services by a third party


According to scheme rules, the following are not treated as debt:

* Lease payments where ownership of the goods does not automatically pass to the lease at the end of the lease
* Installments or delayed payments to the merchant under terms provided to the cardholder by the merchant


### How to enable

Set `instruction.debtRepayment` = `true` to flag the payment as being for debt repayment.

#### Example


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

See the full [API schema](/products/payments/openapi)

## Consumer Bill Payment Service Providers

If you are registered with Visa as a Consumer Bill Payment Service provider, you must set this to `true` for any payments taken for the purpose of paying consumer bills.

### How to enable

Set `instruction.consumerBillPayment` = `true`  to identify a bill payment paid by providers on behalf of consumers.

#### Example


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

See the full [API schema](/products/payments/openapi)