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Process a Dual Message AFT Reversal or Refund

Account Funding Transaction reversals and refunds allow a payment service provider to return funds to a customer's account.
A reversal returns funds before the transaction settles. You can process an AFT reversal within the first 24 hours after a transaction.
A refund returns funds after the transaction settles. You can process a refund within 30 days of the original AFT transaction.

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 Reversal or Refund for
FDC Nashville Global

These fields are required to process a dual-message AFT reversal or refund:
These are the values when using a Mastercard card type:
  • AA
    : Account-to-account.
  • BB
    : Business to business.
  • CO
    : Cash out.
  • CP
    : Card bill payment.
  • MD
    : Merchant disbursement (acquirers or aggregators settling to merchants).
  • PP
    : Person to person.
  • WT
    : When AFT is used to fund a staged digital wallet.
These are the values when a Visa card type:
  • AA
    : Account to account.
  • BB
    : Business to business.
  • BI
    : Bank-initiated P2P money transfer.
  • CO
    : Cash out.
  • CP
    : Cash bill payment.
  • FD
    : Funds disbursement.
  • FT
    : Funds transfer.
  • GD
    : Government disbursement.
  • GP
    : Gambling payout.
  • LO
    : Loyalty credits and rebates.
  • MD
    : Merchant disbursement.
  • MI
    : Merchant-initiated money transfer.
  • OG
    : Online gambling payout.
  • PD
    : Payroll disbursement.
  • PP
    : Person to person.
  • TU
    : Top Up: Prepaid load.
  • WT
    : Wallet transfer.

Optional Fields for a Dual-Message AFT Reversal or Refund

You can include these optional fields in an authorization request for an AFT reversal or refund:
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.
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.
These are the valid values:
  • 01
    : Credit card.
  • 02
    : Debit card.
  • 03
    : Prepaid card.
  • 04
    : Cash.
  • 05
    : Debit or deposit account. Value
    05
     must be used when the
    processingInformation.businessApplicationId
     field is set to one of these values:
    FD
    ,
    GD
    ,
    GP
    ,
    LO
    ,
    MD
    ,
    OG
    ,
    PD
    .
  • 06
    : Visa card transactions only. Credit accounts not linked to a Visa card.
  • 07
    : Mastercard only.
If the sender is a business or government entity, use the
senderInformation.name
 field instead.
If the sender is an individual, use the
senderInformation.firstName
 and
senderInformation.lastName
 fields instead.
This field is optional, but strongly recommended.
These are the valid values:
  • B
    : Business
  • I
    : Individual

Related Information

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