Account Funding Transactions (AFT)¶

Overview¶

An Account Funding Transaction (AFT) is a card transaction used to fund an account — for example, person-to-person transfers or funds disbursements. VISA and Mastercard require additional data fields when processing AFT transactions.

To process an AFT, include the options.funding object in your /api/transactions/authorize request alongside a standard PURCHASE or AUTHORIZE transaction.

Request Structure¶

Add a funding object inside the options field of the standard /api/transactions/authorize request:

{
  "reference": "your-reference",
  "terminal_id": "your-terminal-id",
  "transaction_type": "PURCHASE",
  "currency": "EUR",
  "amount": 10000,
  "payment_method": {
    "type": "card",
    "data": {
      "encrypted_card_number": "...",
      "encrypted_cvv": "...",
      "encrypted_expiration_month": "...",
      "encrypted_expiration_year": "..."
    }
  },
  "customer": { ... },
  "browser_info": { ... },
  "metadata": {},
  "return_url": "https://merchant.example.com/return",
  "options": {
    "funding": {
      "business_application_identifier": "funds_disbursement",
      "receiver": {
        "first_name": "John",
        "last_name": "Doe",
        "country": "US",
        "account_number": "1234567890",
        "account_number_type": "card_account",
        "address": "123 Main St",
        "city": "New York",
        "state": "NY"
      },
      "sender": {
        "name": "Jane Smith",
        "reference_number": "INV-12345",
        "country": "GB",
        "address": "456 High St",
        "city": "London",
        "state": "LDN"
      }
    }
  }
}

Funding Parameters¶

Top-Level Fields¶

Field	Type	Required	Description
`business_application_identifier`	`string`	Yes (VISA)	Type of VISA Funding Transaction. See BAI values below
`identifier_type`	`string`	Yes (Mastercard)	Type of Mastercard Funding Transaction. See Identifier Type values below

Scheme-specific requirements

VISA requires business_application_identifier. Mastercard requires identifier_type. Include the appropriate field based on the card scheme being used.

Receiver Object¶

Details about the person or account receiving the funds.

Field	Type	Required	Description
`first_name`	`string`	Conditionally	Receiver's first name
`last_name`	`string`	Conditionally	Receiver's last name
`country`	`string(2)`	Conditionally	Receiver's country code in ISO 3166
`account_number`	`string`	Conditionally	Receiver's account number. Required for both VISA and Mastercard
`account_number_type`	`string`	Conditionally (Mastercard)	Receiver's account number type. See Account Number Type values below
`address`	`string`	Conditionally (VISA)	Receiver's address
`city`	`string`	Conditionally (VISA)	Receiver's city. Required for VISA with Canadian cards
`state`	`string`	Conditionally (VISA)	Receiver's state. Required for VISA with Canadian cards

Sender Object¶

Details about the person or entity sending the funds.

Field	Type	Required	Description
`name`	`string`	Conditionally (VISA)	Sender's name. Required for VISA
`reference_number`	`string(16)`	Conditionally (VISA)	Sender's reference number (e.g. invoice number). Required for VISA. Limited to 16 characters
`country`	`string`	Conditionally (VISA)	Sender's country. Required for VISA. If not provided, billing address is used
`address`	`string`	Conditionally (VISA)	Sender's address. Required for VISA. If not provided, billing address is used
`city`	`string`	Conditionally (VISA)	Sender's city. Required for VISA. If not provided, billing address is used
`state`	`string`	Conditionally (VISA)	Sender's state. Required for VISA with Canadian cards. If not provided, billing address is used

Allowed Values¶

Business Application Identifier Values¶

VISA business_application_identifier accepted values:

Value
`funds_disbursement`
`pension_disbursement`
`account_to_account`
`bank_initiated`
`fund_transfer`
`person_to_person`
`prepaid_card_load`
`wallet_transfer`
`liquid_assets`

Identifier Type Values¶

Mastercard identifier_type accepted values:

Value	Required MCCs
`general_person_to_person`	4829, 6538, 6540
`person_to_person_card_account`	4829
`own_account`	4829, 6051, 6211, 6538, 6540, 7800, 7801, 7802, 7994, 7995, 9406
`own_credit_card_bill`	4829, 6538
`business_disbursement`	any
`government_or_non_profit_disbursement`	any
`rapid_merchant_settlement`	any
`general_business_to_business`	any
`own_staged_digital_wallet_account`	any
`own_debit_or_prepaid_card_account`	any

Receiver Account Number Type Values¶

account_number_type accepted values:

Value	Description
`rtn_and_bank_account_number`	Routing Transit Number and Bank Account Number
`iban`	International Bank Account Number
`card_account`	Card Account
`email`	Electronic Mail
`phone_number`	Phone Number
`bank_account_number_and_bic`	Bank Account Number and Business Identifier Code
`wallet_id`	Wallet ID
`social_network_id`	Unique Identifier for Social Network Application
`other`	Any other type

Examples¶

VISA AFT — Funds Disbursement¶

{
  "options": {
    "funding": {
      "business_application_identifier": "funds_disbursement",
      "receiver": {
        "first_name": "John",
        "last_name": "Doe",
        "country": "US",
        "account_number": "1234567890",
        "account_number_type": "card_account"
      },
      "sender": {
        "name": "Jane Smith",
        "reference_number": "INV-12345",
        "country": "GB"
      }
    }
  }
}

Mastercard AFT — Person-to-Person¶

{
  "options": {
    "funding": {
      "identifier_type": "general_person_to_person",
      "receiver": {
        "first_name": "Bob",
        "last_name": "Smith",
        "country": "DE",
        "account_number": "DE89370400440532013000",
        "account_number_type": "iban"
      }
    }
  }
}

Supported Transaction Types¶

AFT parameters can be included on the following transaction types:

Transaction Type	Supported
`PURCHASE`	Yes
`AUTHORIZE`	Yes

Notes¶

If the options or options.funding object is omitted, the transaction is processed as a standard (non-AFT) transaction.
Fields marked as "Conditionally" required depend on the card scheme (VISA vs Mastercard) and the issuing country of the card.
For VISA sender fields: if country, address, city, or state are not provided, the billing address from the transaction is used as fallback.