New Visa data requirements for Card Payouts and AFTs to Australia, New Zealand, and Saudi Arabia

From April 17, 2026, Visa will require more transaction data for cross-border Card Payouts and AFTs destined to Australia, New Zealand, and Saudi Arabia to meet local regulatory requirements.

Affected fields

Visa’s will require you to send the following information in your cross-border Card Payout and AFTs:

For cross-border AFTs to Australia and New Zealand:

• recipient.first_name

• recipient.last_name

• sender.address_line1

For cross-border Card Payouts and AFTs to Saudi Arabia:

• instruction.purpose

Validation rules

The validation rules for these fields are categorized by how they are processed. While Visa

1. Combined name validation

Our system combines the first_name and last_name fields for both the sender and recipient before processing them. 

The resulting combined string (sender.first_name_ + sender.last_name or recipient.first_name +_ recipient.last_name_ or destination.account_holder.first_name + destination.account_holder.last_name _) must adhere to the following rules:

• It cannot be a string of all spaces

• Its total length must be three characters or more

2. Individual field validation for names

Each of the individual name fields (sender.first_name, _sender.last_name, recipient.first_name, recipient.last_name, destination.account_holder.first_name _and destination.account_holder.last_name) will be considered invalid if it contains:

• Any special characters, including: ?, #, =, $, !, &, :, ~, |, _, +, , /

• A string consisting of all numeric digits, including zeros (e.g., "12345")

Scenarios for handling invalid transactions

Please note that for cross-border AFTs and OCTs, whether money transfer or non-money transfer, Visa will decline transactions if the applicable sender or recipient data tags are invalid or missing.