Account Funding Transactions
Transactions that involve debiting money from one account to credit another account are referred to as Account Funding Transactions (AFT) in your payment service provider parlance. The recipient can be the same person, another person, or an organization. If your payment service provider has enabled this functionality for you, you can facilitate the following account funding transaction types for your payers:
- Person-to-Person funds transfers
- Intra-organizational funds transfers
- Inter-organizational funds transfers
Supported for following methods:
| Integration methods | Payment methods | Transactions |
|---|---|---|
| All | Credit and debit cards (Mastercard) |
|
To view an example of an API request with AFT data, download the Postman collection.
- 4829 (Money transfer)
- 6540 (Funding transactions)
- 6538 (Funding transactions for MoneySend)
AFT data includes information about the sender type, recipient type, recipient account type, account funding method, and funding purpose. It can also include other recipient details. When you are required to submit AFT data, depending on the type of transaction you are submitting, you must provide some or all of the following transaction data in the accountFunding object in the request:
-
accountFunding.senderTypeWhether the sender is a person, a commercial organization, a non-profit organization, or a government.
-
accountFunding.senderIsRecipientWhether the sender and recipient in the AFT are the same. If no value is provided, the default value
falseis used. -
accountFunding.purposePurpose of the account funding payment. The possible values are:
CRYPTOCURRENCY_PURCHASE, MERCHANT_SETTLEMENT, and PAYROLL. If no value is provided, the default valueOTHERis used. -
accountFunding.referenceReference for the AFT.
-
accountFunding.recipientDetails about the recipient who receives the funds.
-
accountFunding.recipient.firstNamePayment recipient's first name.
-
accountFunding.recipient.lastNamePayment recipient's last name.
-
accountFunding.recipient.dateOfBirthDate of birth of the payment recipient in yyyy-mm-dd format.
-
accountFunding.recipient.postCodeZipPost code or ZIP code of the payment recipient.
-
accountFunding.recipient.stateProvinceCodeState or province code of the recipient. The value must match the second part of the ISO 3166-2 code. For example,
- For an address in the US, provide the 2-letter ISO 3166-2 state code.
- For the US military bases, provide one of the following codes: AE, AA, or AP.
- For an address in Canada, provide the 2-letter ISO 3166-2 province code.
-
accountFunding.recipient.countryPayment recipient's country.
-
accountFunding.recipient.accountDetails about the account of the recipient who subsequently receives the funds that you debit from the sender in this transaction.
-
accountFunding.recipient.account.identifierPayment recipient's account identifier, for example, card number or bank account number.
-
accountFunding.recipient.account.identifierTypeType of the recipient's account identifier that you have provided in the
accountFunding.recipient.account.identifierfield. The possible values are:CARD_NUMBER, BANK_ACCOUNT_NATIONAL, BANK_ACCOUNT_BIC, BANK_ACCOUNT_IBAN, EMAIL_ADDRESS, PHONE_NUMBER, SOCIAL_NETWORK_PROFILE_ID, and STAGED_WALLET_USER_ID.If no value is provided, the default valueOTHERis used. -
accountFunding.recipient.account.fundingMethodFunding method of the card. The possible values are:
CHARGE,CREDIT, andDEBIT. If no value is provided, the default valueUNKNOWNis used.
In addition to the above accountFunding object data, your request must define the MCC you are using for the transaction (order.merchantCategoryCode), unless you are using the default MCC defined in your merchant profile. Contact your acquiring bank to determine the recommended MCCs for different transaction types.
The submitted data is returned in the transaction response.
order.purchaseType = ACCOUNT_FUNDING.Example of AFT fields
"order": {
"purchaseType": "ACCOUNT_FUNDING",
"merchantCategoryCode": "4829"
},
"accountFunding": {
"senderType": "PERSON",
"senderIsRecipient": "true",
"purpose": "OTHER",
"recipient": {
"firstName": "John",
"lastName": "Smith",
"country": "USA",
"stateProvinceCode": "AL",
"postCodeZip": "35005",
" dateOfBirth": "1977-01-01",
"account": {
"fundingMethod": "CREDIT",
"identifierType": "CARD_NUMBER",
"identifier": "1234567891234567",
"fundingMethod": "CREDIT"
}
}
}