Account Funding Transactions (AFTs)

On This Page
Payouts
 uses the authorization service to support AFTs. An AFT withdraws funds from a sender’s account.
IMPORTANT
You must receive prior approval from
Barclays
 before using the AFT services. Contact
Barclays
 to register with the AFT program.

Endpoint

Production:
POST
https://api.cybersource.com
/pts/v2/payments
Test:
POST
https://apitest.cybersource.com
/pts/v2/payments

Required Fields for Performing an AFT

These fields are required in a request for an authorization for an AFT:
These are the values when using a Visa card type:
  • AA
    : Account-to-account, sender and recipient are the same person
  • FD
    : Funds disbursement, e.g. insurance payout
  • FT
    : Funds transfer where OCT not available
  • PD
    : Payroll disbursement
  • TU
    : Top up - prepaid load
  • WT
    : When AFT is used to fund a staged digital wallet
These are the values when using a Mastercard card type. The
recipientInformation.accountType
 field must align with Business Application Identifier value.
  • AA
    : Account-to-account, sender and recipient are the same person.
    recipientInformation.accountType
     must be either 01, 02, 03 or 06
  • FT
    : Funds transfer where OCT not available. The
    recipientInformation.accountType
     must be either 00, 01, 02, 03 or 06.
  • PD
    : Payroll disbursement. The
    recipientInformation.accountType
     field must be 03.
  • TU
    : Top up - prepaid load. The
    recipientInformation.accountType
     field must be either 01, 02, 03 or 06.
  • WT
    : When AFT is used to fund a staged digital wallet. The
    recipientInformation.accountType
     must be either 00, 01, 02, 03, 06 or absent.
For Mastercard, only these codes are permitted:
  • 00: Other
  • 01: Routing transit number (RTM) and bank account
  • 02: IBAN
  • 03: Card account
  • 06: Bank account number (BAN) and Bank identification number code (BIC)
Required only with Mastercard.
Required only with Mastercard.
Required with Visa and optional with Mastercard.
Required with Visa when transactions are in the US or Canada. Field is optional for countries outside of the US and Canada.
Field is only required with Visa transactions.
Required with Visa and optional with Mastercard.
Required with Visa and optional with Mastercard.

Related Information

Optional Fields for Performing an AFT

You can include these optional fields in an authorization request for an AFT:

REST Example: Performing an AFT with Visa

REST Example: Performing an AFT with Mastercard

Light Dark
Request: Authorization Service for an AFT with Visa
This example is a consumer funding an account-to-account, when the sender and recipient are the same person.
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{"clientReferenceInformation": {
    "code": "RTS-AFT3-8"
  },
  "processingInformation": {
    "capture": true,
    "businessApplicationId": "AA",
    "commerceIndicator": "vbv",
    "authorizationOptions": {
      "ignoreAvsResult": true,
      "ignoreCvResult": false,
      "aftIndicator": true
    }
  },
  "paymentInformation": {
    "card": {
      "number": "4539791001730106",
      "expirationMonth": "03",
      "expirationYear": "2025",
      "type": "001",
      "securityCode": "351"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "28.00",
      "currency": "GBP"
    },
    "billTo": {
      "firstName": "Joe",
      "lastName": "Root",
      "middleName": "S",
      "address1": "34 Orchard Grove",
      "locality": "Southampton",
      "postalCode": "DE6 1BE",
      "country": "GB",
      "email": "test@cybs.com"
    }
  },
  "senderInformation": {
    "firstName": "Joe",
    "lastName": "Root",
    "middleName": "S",
    "address1": "34 Orchard Grove",
    "locality": "Southampton",
    "countryCode": "GB"
  },
  "recipientInformation": {
    "accountId": "4929421234600821",
    "firstName": "Ben",
    "lastName": "Stokes",
    "middleName": "A"
  },
    "consumerAuthenticationInformation": {
    "cavv": "EHuWW9PiBkWvqE5juRwDzAUFBAk=",
    "paresStatus": "Y"
  }}
Response: Authorization Service for an AFT with Visa
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{"_links": {
    "void": {
      "method": "POST",
      "href": "/pts/v2/payments/7285727331066440604951/voids"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/7285727331066440604951"
    }
  },
  "clientReferenceInformation": {
    "code": "RTS-AFT3-8"
  },
  "id": "7285727331066440604951",
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "28.00",
      "authorizedAmount": "28.00",
      "currency": "GBP"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "pointOfSaleInformation": {
    "terminalId": "90011645"
  },
  "processorInformation": {
    "merchantNumber": "6637599",
    "approvalCode": "475034",
    "cardVerification": {
      "resultCodeRaw": "1",
      "resultCode": "P"
    },
    "merchantAdvice": {
      "code": "00",
      "codeRaw": "0"
    },
    "networkTransactionId": "000000000474740",
    "transactionId": "000000000474740",
    "responseCode": "0",
    "avs": {
      "code": "I",
      "codeRaw": "11"
    }
  },
  "reconciliationId": "7024464528",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2024-10-10T15:05:35Z"}
Light Dark
Request: Authorization Service for an AFT with Mastercard
This example is a consumer funding an account-to-account, when the sender and recipient are the same person.
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{"clientReferenceInformation": {
    "code": "RTS-AFT3-8"
  },
  "processingInformation": {
    "capture": true,
    "businessApplicationId": "AA",
    "commerceIndicator": "spa",
    "authorizationOptions": {
      "ignoreAvsResult": true,
      "ignoreCvResult": false,
      "aftIndicator": true
    }
  },
  "paymentInformation": {
    "card": {
      "number": "5454545454545454",
      "expirationMonth": "03",
      "expirationYear": "2025",
      "type": "002",
      "securityCode": "351"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "28.00",
      "currency": "GBP"
    },
    "billTo": {
      "firstName": "Joe",
      "lastName": "Root",
      "middleName": "S",
      "address1": "34 Orchard Grove",
      "locality": "Southampton",
      "postalCode": "DE6 1BE",
      "country": "GB",
      "email": "test@cybs.com"
    }
  },
  "senderInformation": {
    "firstName": "Joe",
    "lastName": "Root",
    "middleName": "S",
    "address1": "34 Orchard Grove",
    "locality": "Southampton",
    "countryCode": "GB"
  },
  "recipientInformation": {
    "accountId": "4929421234600821",
    "accountType": "03",
    "firstName": "Ben",
    "lastName": "Stokes",
    "middleName": "A",
    "address1": "1 High Street",
    "country": "GB"
  },
    "consumerAuthenticationInformation": {
    "ucafAuthenticationData": "EHuWW9PiBkWvqE5juRwDzAUFBAk=",
    "ucafCollectionIndicator": "2"
  }}
Response: Authorization Service for an AFT with Mastercard
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{"_links": {
    "void": {
      "method": "POST",
      "href": "/pts/v2/payments/7285727331066440604951/voids"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/7285727331066440604951"
    }
  },
  "clientReferenceInformation": {
    "code": "RTS-AFT3-8"
  },
  "id": "7285727331066440604951",
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "28.00",
      "authorizedAmount": "28.00",
      "currency": "GBP"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "pointOfSaleInformation": {
    "terminalId": "90011645"
  },
  "processorInformation": {
    "merchantNumber": "6637599",
    "approvalCode": "475034",
    "cardVerification": {
      "resultCodeRaw": "1",
      "resultCode": "P"
    },
    "merchantAdvice": {
      "code": "00",
      "codeRaw": "0"
    },
    "networkTransactionId": "000000000474740",
    "transactionId": "000000000474740",
    "responseCode": "0",
    "avs": {
      "code": "I",
      "codeRaw": "11"
    }
  },
  "reconciliationId": "7024464528",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2024-10-10T15:05:35Z"}