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Dual Message Account Funding Transactions (AFTs) with Visa Secure

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.
  • Enables users to safely validate their identity and safely store their personal identity.

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 with Visa Secure Request

These fields are required to process a dual-message AFT with Visa Secure request:
captureOptions.dateToCapture
This field is only required when you have received an XID value in a previous transaction.

Related Information

REST Example: Dual-Message AFT with Visa Secure

Request
{
  "clientReferenceInformation": {
    "code": "TC50171_3"
  },
  "processingInformation": {
    "businessApplicationId": "WT",
    "commerceIndicator": "vbv",
    "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",
    "address2": "Address2 value",
    "firstName": "recFirstname",
    "lastName": "resLastname",
    "middleName": "recMiddletname",
    "locality": "recipient_city",
    "country": "GBR",
    "postalCode": "571216",
    "streetName": "Alpine eco road",
    "dateOfBirth": "",
    "beneficiaryId": "",
    "beneficiaryName": "",
    "buildingNumber":"Tulip Appartment",
    "beneficiaryAddress": ""
  },
  "senderInformation": {
    "account": {
      "number": "154264765376576126571652675176",
      "fundsSource": "02"
    },
    "firstName": "senderfirstname",
    "middleName": "sendermiddlename",
    "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",
      "alternateName": "",
      "contact": "",
      "address1": "",
      "locality": "Mountain View",
      "country": "",
      "postalCode": "94044",
      "administrativeArea": "CA",
      "phone": "",
      "url": "",
      "countryOfOrigin": "",
      "storeId": "",
      "storeName": "",
      "customerServicePhoneNumber": ""
    }
  },
  "captureOptions": {
    "dateToCapture": "1231"
  },
  "consumerAuthenticationInformation": {
    "cavv": "ABCDEabcde12345678900987654321abcdeABCDE",
    "xid": "12345678909876543210ABCDEabcdeABCDEF1234"
  }
}
Response
{
    "_links": {
        "authReversal": {
            "method": "POST",
            "href": "/pts/v2/payments/7193080414227102940072/reversals"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/7193080414227102940072"
        },
        "capture": {
            "method": "POST",
            "href": "/pts/v2/payments/7193080414227102940072/captures"
        }
    },
    "clientReferenceInformation": {
        "code": "TC50171_3"
    },
    "id": "7193080414227102940072",
    "orderInformation": {
        "amountDetails": {
            "authorizedAmount": "100.00",
            "currency": "USD"
        }
    },
    "paymentAccountInformation": {
        "card": {
            "type": "001"
        }
    },
    "paymentInformation": {
        "tokenizedCard": {
            "type": "001"
        },
        "card": {
            "type": "001"
        }
    },
    "processorInformation": {
        "systemTraceAuditNumber": "816645",
        "approvalCode": "831000",
        "cardVerification": {
            "resultCodeRaw": "M",
            "resultCode": "M"
        },
        "merchantAdvice": {
            "code": "01",
            "codeRaw": "M001"
        },
        "responseDetails": "ABC",
        "networkTransactionId": "016153570198200",
        "retrievalReferenceNumber": "417709816645",
        "consumerAuthenticationResponse": {
            "code": "2",
            "codeRaw": "2"
        },
        "transactionId": "016153570198200",
        "responseCode": "00",
        "avs": {
            "code": "Y",
            "codeRaw": "Y"
        }
    },
    "reconciliationId": "7193080414227102940072",
    "status": "AUTHORIZED",
    "submitTimeUtc": "2024-06-25T09:34:02Z"
}