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Process an AFT with a Visa Card

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 Visa

These fields are required in a request for an authorization for an AFT:
Required except when your account is configured for relaxed requirements for address data and expiration date.
Set to
true
.
These are the values when using a Visa card type:
  • AA
    : Account-to-account, sender and recipient are the same person
  • FT
    : Funds transfer where OCT not available
  • TU
    : Top up - prepaid load
  • WT
    : When AFT is used to fund a staged digital wallet
processingInformation.purposeOfPayment
Required for all cross-border transactions into and out of Canada. Also required for cross-border AFTs into Australia, New Zealand, and the South Pacific.
Required for all cross-border money and non-money transfer transactions into and out of Canada.
For the US and Canada, must be a valid two character state code.
Required for all cross-border money and non-money transfer transactions into and out of Canada.
Required for all cross-border money and non-money transfer transactions into and out of Canada.
Required with Visa when transactions are in the US or Canada. Field is optional for countries outside of the US and Canada.
Required for all cross-border money transfer AFTs.

Optional Fields for Performing an AFT with Visa

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.billTo.locality
processingInformation.commerceIndicator
Set this field to
internet
,
MOTO
, or a 3D-Secure value.
recipientInformation.lastName
recipientInformation.middleName
senderInformation.lastName

REST Example: Performing an AFT with Visa

Request: Authorization Service for an AFT with Visa
Visa 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": "vbv",
    "authorizationOptions": {
      "ignoreAvsResult": true,
      "ignoreCvResult": false,
      "aftIndicator": true
    }
  },
  "paymentInformation": {
    "card": {
      "number": "4111111111111111",
      "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
{
  "_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"
}
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