Account Funding Transactions (AFTs)

On This Page
Payouts
 uses the authorization service to support AFTs. An AFT withdraws funds from a sender’s account.
Streamline
 does not support zero amount for
orderInformation.amountDetails.totalAmount
 field.
IMPORTANT
You must receive prior approval from
your acquirer
 before using the AFT services. Contact
Streamline
 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

These fields are required to process an AFT request:
Streamline
 does not support zero amount.
These are the values:
  • AA
    : Account to account.
  • FD
    : Funds disbursement, e.g. insurance payout.
  • PD
    : Payroll disbursement.
  • PP
    : Person to person.
  • FT
    : Funds transfer.
  • TU
    : Top Up: Prepaid load.
  • WT
    : Wallet transfer.
Required in all countries. Optional in South Africa, and Canada and US cross-border transactions.
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
Required for Canada and US cross-border transactions.
Required for Canada and US cross-border transactions.
Required for Canada and US cross-border transactions.
Required for Canada and US cross-border transactions.
Required with Visa AFTs for Canada and US cross-border, and Visa AFTs for South Africa issuer cross-border.
Required for Canada and US cross-border transactions.
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

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

Related Information

REST Example: AFT in the US with Visa

REST Example: AFT in India with Visa

Light Dark
Request AFT in the US with Visa
Example in the US with Visa: Consumer funding an account-to-account transfer when the sender and recipient are the same person.
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{"clientReferenceInformation": {
    "code": "RTS-AFT3-8"
  },
  "processingInformation": {
    "capture": true,
    "businessApplicationId": "AA",
    "commerceIndicator": "internet",
    "authorizationOptions": {
      "ignoreAvsResult": true,
      "ignoreCvResult": false,
      "aftIndicator": true
    }
  },
  "paymentInformation": {
    "card": {
      "number": "453979100173XXXX",
      "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": {
    "account": {
      "number": "453979100173XXXX",
      "type": "03",
      "fundsSource": "01"
    },
    "firstName": "Joe",
    "middleName": "S",
    "lastName": "Root",
    "address1": "34 Orchard Grove",
    "locality": "Southampton",
    "postalCode" : "SO14 7DR",
    "countryCode": "GB"
  },
  "recipientInformation": {
    "accountType": "03",
    "firstName": "Ben",
    "middleName": "A",
    "lastName": "Stokes",
    "address1" : "1 Market St",
    "locality": "san francisco",
    "administrativeArea": "CA",
    "postalCode" : "94105",
    "countryCode": "US"
  }}
Response AFT in the US with Visa
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{"_links" : {
    "void" : {
      "method" : "POST",
      "href" : "/pts/v2/payments/7345351333470181611471/voids"
    },
    "self" : {
      "method" : "GET",
      "href" : "/pts/v2/payments/7345351333470181611471"
    }
  },
  "clientReferenceInformation" : {
    "code" : "RTS-AFT3-8"
  },
  "id" : "7345351333470181611471",
  "orderInformation" : {
    "amountDetails" : {
      "totalAmount" : "28.00",
      "authorizedAmount" : "28.00",
      "currency" : "GBP"
    }
  },
  "paymentAccountInformation" : {
    "card" : {
      "type" : "001"
    }
  },
  "paymentInformation" : {
    "tokenizedCard" : {
      "type" : "001"
    },
    "card" : {
      "type" : "001"
    }
  },
  "pointOfSaleInformation" : {
    "terminalId" : "28791234"
  },
  "processorInformation" : {
    "merchantNumber" : "89888122",
    "approvalCode" : "28",
    "cardVerification" : {
      "resultCodeRaw" : "1",
      "resultCode" : "P"
    },
    "cardReferenceData" : "12345678901234567890123456789012345678901234567890123456",
    "networkTransactionId" : "123456789012345",
    "transactionId" : "123456789012345",
    "responseCode" : "0",
    "avs" : {
      "code" : "U",
      "codeRaw" : "00"
    }
  },
  "reconciliationId" : "RTS-AFT3-8",
  "status" : "AUTHORIZED",
  "submitTimeUtc" : "2024-12-18T15:18:53Z"}
Light Dark
Request AFT in India with Visa
Example in India with Visa: Consumer funding an account-to-account transfer when the sender and recipient are the same person.
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{"clientReferenceInformation": {
    "code": "RTS-AFT3-8"
  },
  "processingInformation": {
    "capture": true,
    "businessApplicationId": "AA",
    "purposeOfPayment": "02",
    "commerceIndicator": "internet",
    "authorizationOptions": {
      "ignoreAvsResult": true,
      "ignoreCvResult": false,
      "aftIndicator": true
    }
  },
  "paymentInformation": {
    "card": {
      "number": "453979100173XXXX",
      "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": {
    "account": {
      "number": "453979100173XXXX",
      "type": "03",
      "fundsSource": "01"
    },
    "firstName": "Joe",
    "middleName": "S",
    "lastName": "Root",
    "address1": "34 Orchard Grove",
    "locality": "Southampton",
    "postalCode" : "SO14 7DR",
    "countryCode": "GB"
  },
  "recipientInformation": {
    "accountType": "03",
    "firstName": "Ben",
    "middleName": "A",
    "lastName": "Stokes"
  }}
Response AFT in India with Visa
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{"_links" : {
    "void" : {
      "method" : "POST",
      "href" : "/pts/v2/payments/7345295876270181611471/voids"
    },
    "self" : {
      "method" : "GET",
      "href" : "/pts/v2/payments/7345295876270181611471"
    }
  },
  "clientReferenceInformation" : {
    "code" : "RTS-AFT3-8"
  },
  "id" : "7345295876270181611471",
  "orderInformation" : {
    "amountDetails" : {
      "totalAmount" : "28.00",
      "authorizedAmount" : "28.00",
      "currency" : "GBP"
    }
  },
  "paymentAccountInformation" : {
    "card" : {
      "type" : "001"
    }
  },
  "paymentInformation" : {
    "tokenizedCard" : {
      "type" : "001"
    },
    "card" : {
      "type" : "001"
    }
  },
  "pointOfSaleInformation" : {
    "terminalId" : "28791234"
  },
  "processorInformation" : {
    "merchantNumber" : "89888122",
    "approvalCode" : "28",
    "cardVerification" : {
      "resultCodeRaw" : "1",
      "resultCode" : "P"
    },
    "cardReferenceData" : "12345678901234567890123456789012345678901234567890123456",
    "networkTransactionId" : "123456789012345",
    "transactionId" : "123456789012345",
    "responseCode" : "0",
    "avs" : {
      "code" : "U",
      "codeRaw" : "00"
    }
  },
  "reconciliationId" : "RTS-AFT3-8",
  "status" : "AUTHORIZED",
  "submitTimeUtc" : "2024-12-18T13:46:27Z"}