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Dual Message Account Funding Transactions (AFTs)

Account Funding Transactions allow a payment service provider to debit funds from a cardholder's Mastercard or Visa account to fund a non-merchant account. This is typically used to load funds onto prepaid cards and electronic wallets.
Dual Message Account Funding Transactions (AFTs) provide the following benefits:
  • Enables customers to identify Mastercard and Visa transactions during the authorization and settlement.
  • Allows acquiring partners to use Dual Message BINs when performing a payout transaction.
IMPORTANT
You must receive prior approval from
Visa Platform Connect
before using the AFT services. Contact
Visa Platform Connect
to register in 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 a Dual-Message AFT Request

These fields are required to process a dual-message AFT request:
captureOptions.dateToCapture

Related Information

REST Example: Dual-Message AFT

Request
{
    "clientReferenceInformation": {
        "code": "TC50171_3"
    },
    "processingInformation": {
        "businessApplicationId": "AA",
        "commerceIndicator": "internet",
        "authorizationOptions": {
            "initiator": {
                "type": "customer",
                "storedCredentialUsed": "false"
            },
            "aftIndicator": "true",
            "fundingOptions": {
                "initiator": {
                    "type": "S"
                }
            }
        },
        "purposeOfPayment": "16"
    },
    "paymentInformation": {
        "card": {
            "number": "4111111111111111",
            "expirationMonth": "12",
            "expirationYear": "2031",
            "type": "001",
            "securityCode": "123"
        }
    },
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "100",
            "currency": "USD",
            "anticipatedAmount": "123.45",
            "surcharge": {
                "amount": "5"
            }
        },
        "billTo": {
            "firstName": "John",
            "lastName": "Doe",
            "address1": "1 Market St",
            "locality": "san francisco",
            "administrativeArea": "CA",
            "postalCode": "94105",
            "country": "US",
            "email": "test@cybs.com",
            "phoneNumber": "4158880000"
        }
    },
    "acquirerInformation": {
        "merchantId": "pa_ctv_sg101"
    },
    "aggregatorInformation.name": "test",
    "recipientInformation": {
        "accountId": "987654321",
        "accountType": "99",
        "address1": "Alpine Eco Road",
        "firstName": "recFirstname",
        "lastName": "resLastname",
        "locality": "recipient_city",
        "country": "GBR",
        "postalCode": "571216",
        "streetName": "Alpine eco road",
        "senderInformation": {
            "account": {
                "number": "154264765376576126571652675176",
                "fundsSource": "02"
            },
            "firstName": "senderfirstname",
            "lastName": "senderLastname",
            "postalCode": "654321",
            "phoneNumber": "01234567892",
            "address1": "Colorful street 123",
            "locality": "Rotterdam",
            "countryCode": "GBR",
            "identificationNumber": "12345678910111213223",
            "personalIdType": "TXIN",
            "administrativeArea": "KA",
            "type": "B",
            "name": "Thomas Smith",
            "referenceNumber": "15426476537657"
        },
        "merchantInformation": {
            "vatRegistrationNumber": "15426476537657",
            "merchantDescriptor": {
                "name": "utf8_merchant_descriptor",
                "locality": "Mountain View",
                "postalCode": "94044",
                "administrativeArea": "CA"
            }
        },
        "captureOptions": {
            "dateToCapture": "1231"
        }
    }
}
Response
{
  "_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/7322307726266013203955/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/7322307726266013203955"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/7322307726266013203955/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "TC50171_3"
  },
  "id": "7322307726266013203955",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "100.00",
      "currency": "USD"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "processorInformation": {
    "systemTraceAuditNumber": "992005",
    "approvalCode": "831000",
    "cardVerification": {
      "resultCodeRaw": "M",
      "resultCode": "M"
    },
    "merchantAdvice": {
      "code": "01",
      "codeRaw": "M001"
    },
    "responseDetails": "ABC",
    "networkTransactionId": "016153570198200",
    "retrievalReferenceNumber": "432623992005",
    "consumerAuthenticationResponse": {
      "code": "2",
      "codeRaw": "2"
    },
    "transactionId": "016153570198200",
    "responseCode": "00",
    "avs": {
      "code": "Y",
      "codeRaw": "Y"
    }
  },
  "reconciliationId": "7322307726266013203955",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2024-11-21T23:12:52Z"
}