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Process an AFT with a Mastercard

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 with Mastercard

These fields are required in a request for an authorization for an AFT:
Set to
true
.
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.
Only these codes are permitted with Mastercard:
  • 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)

Related Information

Optional Fields for Performing an AFT with Mastercard

You can include these optional fields in an authorization request for an AFT:
orderInformation.amountDetails.foreignExchangeFee
This field is supported only for cross-border transactions. A cross-border transaction is a transaction for which the payment card is issued in one country and accepted by a merchant in another country.
orderInformation.amountDetails.serviceFeeAmount
This field is supported only for cross-border transactions. A cross-border transaction is a transaction for which the payment card is issued in one country and accepted by a merchant in another country.
orderInformation.billTo.locality
processingInformation.commerceIndicator
Set this field to
internet
,
MOTO
, or a 3D-Secure value.
recipientInformation.lastName
recipientInformation.middleName
senderInformation.locality
senderInformation.middleName

REST Example: Performing an AFT with Mastercard

Request: Authorization Service for an AFT with Mastercard
Mastercard Example: Consumer funding an account-to-account transfer when the sender and recipient are the same person.
{
  "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
{
  "_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": "002"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "002"
    },
    "card": {
      "type": "002"
    }
  },
  "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"
}
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