Process an AFT with a Mastercard {#payouts-services-auth-aft-intro-mc} ====================================================================== `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 {#payouts-services-auth-aft-intro-mc_d9e16} ---------------------------------------------------- **Production:** `POST ``https://api.cybersource.com``/pts/v2/payments`{#payouts-services-auth-aft-intro-mc_d9e25} **Test:** `POST ``https://apitest.cybersource.com``/pts/v2/payments`{#payouts-services-auth-aft-intro-mc_d9e35} Required Fields for Performing an AFT with Mastercard {#payouts-services-auth-aft-reqfields-mc} =============================================================================================== These fields are required in a request for an authorization for an AFT: [clientReferenceInformation.code](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/client-ref-info-aa/client-ref-info-code.md "") : [orderInformation.amountDetails.currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-amount-details-currency.md "") : [orderInformation.amountDetails.totalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-amount-details-total-amount.md "") : [orderInformation.billTo.address1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-address1.md "") : [orderInformation.billTo.country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-country.md "") : [orderInformation.billTo.firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-first-name.md "") [orderInformation.billTo.lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-last-name.md "") : [orderInformation.billTo.locality](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-locality.md "") : [orderInformation.billTo.postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-postal-code.md "") : [paymentInformation.card.expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-exp-mo.md "") : [paymentInformation.card.expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-exp-year.md "") : [paymentInformation.card.number](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-number.md "") : [paymentInformation.card.securityCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-security-code-a.md "") : [paymentInformation.card.type](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-type-a.md "") : [processingInformation.authorizationOptions.aftIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-auth-ops-aft-ind.md "") : Set to `true`. [processingInformation.businessApplicationId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-business-appl-id.md "") : 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. [recipientInformation.accountId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recipient-info-aa/recipient-info-account-id.md "") : [recipientInformation.accountType](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recipient-info-aa/recipient-info-account-type.md "") : 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) [recipientInformation.address1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recipient-info-aa/recipient-info-address1.md "") : [recipientInformation.country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recipient-info-aa/recipient-info-country.md "") : [recipientInformation.firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recipient-info-aa/recipient-info-first-name.md "") : [senderInformation.address1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-address1.md "") : [senderInformation.firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-first-name.md "") : [senderInformation.lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/sender-info-aa/sender-info-last-name.md "") : Related Information {#payouts-services-auth-aft-reqfields-mc_section_dfg_fh2_rdc} --------------------------------------------------------------------------------- * [REST API Field Reference Guide](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/rest-api-fields-intro.md "") {#payouts-services-auth-aft-reqfields-mc_ul_efg_fh2_rdc} Optional Fields for Performing an AFT with Mastercard {#payouts-services-auth-aft-optfields-mc} =============================================================================================== 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 {#payouts-services-auth-aft-ex-rest-barclays-mc} ================================================================================================ 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" } ```