Programming Tutorials

  Integrating instant payouts via the Visa Direct API is rarely a "happy path" endeavor. While the documentation covers the basics of a successful Original Credit Transaction (OCT), it often leaves developers stranded when edge cases arise. Two of the most notorious offenders in the Visa Direct ecosystem are response codes  9100  and  9615 . If you are seeing these errors, you are likely dealing with ambiguous failures that standard HTTP retry logic cannot solve. Error 9100 implies a dangerous state where the transaction status is unknown, raising the risk of double-spending. Error 9615 often looks like a data entry error but is actually a fundamental issue with card capabilities. This guide provides the root cause analysis for these errors and a production-grade TypeScript implementation to handle them safely. Root Cause Analysis: The Architecture of Failure To fix these errors, we must first understand where they originate in the payment lifecycle. Visa Direct oper...