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Account Funding Transactions (AFTs) with Mastercard

Payouts
 uses the authorization service to support AFTs. An AFT withdraws funds from a sender’s account.
First Data Merchant Solutions
 does not support zero amount for
orderInformation.amountDetails.totalAmount
 field.
IMPORTANT
You must receive prior approval from
First Data Merchant Solutions
 before using the AFT services. Contact
First Data Merchant Solutions
 to register in 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 an AFT Request with Mastercard

These fields are required to process an AFT request:
First Data Merchant Solutions
 does not support zero amount.
These are the values:
  • AA
    : Account to account.
  • BI
    : Money transfer (bank-initiated).
  • FD
    : Funds disbursement, e.g. insurance payout.
  • PD
    : Payroll disbursement
  • FT
    : Funds transfer.
  • PP
    : Person to person.
  • TU
    : Top Up: Prepaid load.
  • WT
    : Wallet transfer.
These are the values:
  • 00
    : Other
  • 01
    : Routing transit number (RTM) and bank account
  • 02
    : IBAN
  • 03
    : Card account
  • 04
    : Email
  • 05
    : Phone number
  • 06
    : Bank account number (BAN) and Bank identification number code (BIC)
  • 07
    : Wallet ID
  • 08
    : Social network ID

Related Information

Optional Fields for Performing an AFT with Mastercard

You can include these optional fields in an authorization request for an AFT:

Related Information

REST Example: AFT with Mastercard

Request
{
    "clientReferenceInformation": {
        "code": "TC50171_3"
    },
    "paymentInformation": {
        "card": {
            "number": "545454545454XXXX",
            "expirationMonth": "12",
            "expirationYear": "2031"
        }
    },
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "100.00",
            "currency": "USD"
        },
        "billTo": {
            "firstName": "John",
            "lastName": "Doe",
            "address1": "1 Market St",
            "locality": "san francisco",
            "administrativeArea": "CA",
            "postalCode": "94105",
            "country": "US",
            "email": "test@cybs.com",
            "phoneNumber": "4158880000"
        }
    },
    "processingInformation": {
    	"authorizationOptions": {
    		"aftIndicator": "y"
    	},
    	 "commerceIndicator": "internet",
    	 "businessApplicationId": "PP"
    },
    "merchantInformation": {
    	"merchantCategoryCode": "6540"
    },
    "senderInformation": {
    	"referenceNumber": "1234567890123456789",
    	"firstName": "John",
    	"middleName": "Joe",
    	"lastName": "Smith",
    	"address1": "1 Test Street",
    	"locality": "Northampton",
    	"countryCode": "GBR",
    	"account": {
    		"number": "545454545454XXXX"
    	}
    },
    "recipientInformation": {
    	"firstName": "Joe",
    	"middleName": "Bob",
    	"lastName": "Bloggs",
    	"accountType": "03",
    	"accountId": "545454545454XXXX",
    	"country": "GBR"
    }
}
}
Response
{
    "_links": {
        "authReversal": {
            "method": "POST",
            "href": "/pts/v2/payments/7345188576147159940121/reversals"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/7345188576147159940121"
        },
        "capture": {
            "method": "POST",
            "href": "/pts/v2/payments/7345188576147159940121/captures"
        }
    },
    "clientReferenceInformation": {
        "code": "TC50171_3"
    },
    "id": "7345188576147159940121",
    "orderInformation": {
        "amountDetails": {
            "authorizedAmount": "100.00",
            "currency": "USD"
        }
    },
    "paymentAccountInformation": {
        "card": {
            "type": "002"
        }
    },
    "paymentInformation": {
        "tokenizedCard": {
            "type": "002"
        },
        "card": {
            "type": "002"
        }
    },
    "processorInformation": {
        "approvalCode": "831000",
        "networkTransactionId": "MCC9999991231",
        "transactionId": "MCC9999991231",
        "responseCode": "00",
        "avs": {
            "code": "1"
        }
    },
    "status": "AUTHORIZED",
    "submitTimeUtc": "2024-12-18T10:47:37Z"}