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Account Funding Transactions (AFTs)

Payouts
 uses the authorization service to support AFTs. An AFT withdraws funds from a sender’s account.
IMPORTANT
You must receive prior approval from
Chase Paymentech Solutions
 before using the AFT services. Contact
Chase Paymentech Solutions
 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 an AFT Request

These fields are required to process a dual-message AFT request:
Set this field to one of the merchant category code (MCC) values in this table.
Supported MCCs for each Business Application Identifier (BAI)
BAI
BAI MCCs with Mastercard
MCCs with Visa
AA
4829
4829
,
6012
PP
4829
4829
,
6012
The
orderInformation.amountDetails.totalAmount
 must be included in the request.
Maximum amount per customer account in one day: 10,000 USD.
Maximum amount per customer account in seven days: 25,000 USD.
Maximum amount per customer account in thirty days: 50,000 USD.
Required except when your account is configured for relaxed requirements for address data and expiration date.
Required when the billing country is the US or Canada except when your account is configured for relaxed requirements for address data and expiration date.
Required except when your account is configured for relaxed requirements for address data and expiration date.
Required except when your account is configured for relaxed requirements for address data and expiration date.
Required except when your account is configured for relaxed requirements for address data and expiration date.
Required except when your account is configured for relaxed requirements for address data and expiration date.
Required except when your account is configured for relaxed requirements for address data and expiration date.
Required when the billing country is the US or Canada except when your account is configured for relaxed requirements for address data and expiration date.
Required except when your account is configured for relaxed requirements for address data and expiration date.
Required except when your account is configured for relaxed requirements for address data and expiration date.
Required when this value is not included in your account.
These are the values when using a Mastercard card type:
  • AA
    : Account-to-account.
  • PP
    : Person to person.

Related Information

Optional Fields for an AFT

You can include these optional fields in an authorization request for an AFT:
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.
Set this field to
001
 for Visa or
002
 for Mastercard.
To ignore AVS results, set this field to
true
 to ignore the results of AVS checking. The capture service is run even when the authorization receives an AVS decline. An AVS decline is indicated by a response flag value of
DAVSNO
.
Set this field to
internet
.
If the sender is a business or government entity, use the
senderInformation.name
 field instead.
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.

Related Information

REST Example: AFT Request

Request: Authorization Service for an AFT
This example is for an account that is configured for relaxed requirements for address data and expiration date.
{
    "clientReferenceInformation": {
        "code": "123456789"
    },
    "merchantInformation": {
        "categoryCode": "4829"
    },
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "10.00",
            "currency": "USD"
        }
    },
    "processingInformation": {
        "businessApplicationId": "AA"
    },
    "paymentInformation": {
        "card": {
            "number": "4111111111111111",
        }
    }
}
Response: Authorization Service for an OCT
{
    "clientReferenceInformation": {
        "code": "123456789"
    },
    "id": "6227448498206943503001",
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "10.00",
            "currency": "USD"
        }
    },
    "processorInformation": {
        "approvalCode": "888888",
        "responseCode": "100"
    },
    "reconciliationId": "737824012PCK87SH",
    "status": "ACCEPTED",
    "submitTimeUtc": "2021-06-03T182730Z"
}