Visa allows merchants to specify when a credit card transaction is a Bill Payment for non-B2B transaction requests.  In Portico, you can specify a Bill Payment with one of the following transactions:

• CreditAuth
• CreditSale
• RecurringBilling
• RecurringBillingAuth

For the CreditAuth and CreditSale requests, when the BillPay indicator is true, the transaction will be formatted as a Bill Payment. 

For the RecurringBilling RecurringBillingAuth requests, when the DebtRepaymentIndicator is true, the transaction will be formatted as a Bill Payment.