Account Funding Transactions
This section is applicable for Visa and Mastercard only.
A funding transaction transfers funds from an eligible account through an acquirer on behalf of a customer, the sender.
You use a funding transaction to:
- Fund a subsequent transfer from the sender to another person or entity, the recipient.
- Transfer funds into another eligible financial account that the sender holds.
If your payment service provider enables AFT for your account, you can facilitate the following Account Funding Transaction types for your senders:
- Person-to-person transfers
- Intra-organizational transfers
- Inter-organizational transfers
Supported methods and operations
| Integration methods | Payment methods | Supported transactions |
|---|---|---|
| All | Credit and Debit cards (Mastercard) |
|
| All | Credit and Debit cards (Visa) |
|
Visa AFT does not support refunds. Use VOID instead.
To view an example of an API request with AFT data, download the Postman collection.
API version requirements
- The Mastercard AFT support is available from API version 65 onwards. For API version 79 and earlier, use the Authorize Request for Account Funding API version 79 request.
- The Visa AFT support is available from API version 80 onwards. Use the Authorize Request for Account Funding API version 80 request.
To meet current Visa and Mastercard AFT mandates, use API version 100 or later. This version introduces additional fields required in AFT transactions. For the latest details about Account Funding API version 100, see Authorize Request for Account Funding API version 100.
Merchant Category Code eligibility
Mastercard
The Mastercard MoneySend and Funding Transactions Program applies only to merchants that use one of these Merchant Category Codes (MCCs):
- 4829 - Money transfer
- 6051 - Quasi cash
- 6211 - Securities brokers or dealers
- 6540 - Funding transactions
- 6538 - MoneySend funding transactions
Visa
Visa AFT applies only to merchants that use one of these MCCs:
- 4829 - Money transfer
- 6211 - Securities brokers or dealers
- 6540 or 6051 - Funding transactions
- 6012 - Financial institutions
AFT data overview
An AFT request includes information about:
- Sender type
- Sender name & address details
- Funding purpose
- Recipient name & address details
- Recipient type
- Recipient account identification type
- Account funding method
Account Funding Transaction request fields
When you are required to submit AFT data, depending on the type of transaction you are submitting, you must provide some or all of the following transaction data in the request.
| Field name | Description | Valid values |
|---|---|---|
accountFunding.foreignExchangeFee |
Specifies the foreign exchange markup fee that applies to the sender’s account funding transaction to cover currency conversion costs for cross-border transactions. | - |
accountFunding.purpose |
Specifies the purpose of the account funding payment. |
Default value: OTHER |
accountFunding.purposeOfPayment |
Defines the purpose of payment for Visa account funding transaction. |
The list of allowed codes published by Visa is available below in Visa AFT purpose of payment allowed values. Default value: ISOTHR |
accountFunding.senderIsRecipient |
Indicates the sender is recipient flag. | - |
accountFunding.senderType |
Identifies the type of sender. |
|
accountFunding.recipient.account.fundingMethod |
Identifies the type of recipient account. |
|
accountFunding.recipient.account.identifier |
Specifies the recipient’s Payment account identifier. | - |
accountFunding.recipient.account.identifierType |
Identifies the type of recipient account identifier. |
|
accountFunding.recipient.address.city |
Specifies the recipient city. | - |
accountFunding.recipient.address.country |
Specifies the recipient country. | - |
accountFunding.recipient.address.postCodeZip |
Specifies the postal or ZIP code of the recipient address. | - |
accountFunding.recipient.address.stateProvinceCode |
Specifies the state or province code of the recipient address. | - |
accountFunding.recipient.address.street |
Specifies the first line of the recipient address. | - |
accountFunding.recipient.address.street2 |
Specifies the second line of the recipient address. | - |
accountFunding.recipient.firstName |
Specifies the recipient first name. | - |
accountFunding.recipient.middleName |
Specifies the recipient middle name. | - |
accountFunding.recipient.lastName |
Specifies the recipient last name. | - |
accountFunding.recipient.identification.country |
Identifies the country that issues the recipient identification. | - |
accountFunding.recipient.identification.type |
Identifies the type of recipient identification. |
|
accountFunding.recipient.identification.value |
Specifies the recipient identification value. | - |
customer.firstName |
Specifies the sender first name. | - |
customer.middleName |
Specifies the sender middle name. | - |
customer.lastName |
Specifies the sender last name. | - |
customer.identification.country |
Identifies the country that issues the sender identification. | - |
customer.identification.type |
Identifies the type of sender identification. |
|
customer.identification.value |
Specifies the sender identification value. | - |
billing.address.street |
Specifies the sender street address. | - |
billing.address.city |
Specifies the sender city. | - |
billing.address.country |
Specifies the sender country. | - |
billing.stateProvinceCode |
Specifies the sender state or province code. | - |
Visa AFT transactions
Visa AFT transaction requirements
- Provide the sender details for all Visa AFT transaction requests.
- Provide both the sender and recipient details for cross‑border Visa AFT transaction requests.
Supported Business Application Identifier values
These Business Application Identifier values apply to Visa AFT transactions.
| BAI | Description |
|---|---|
| FT | Funds Transfer |
| PP | Person-to-Person |
| WT | Wallet Transfer |
| TU | Top-Up |
| AA | Account-to-Account |
BAI mapping scenarios for supported MCCs
These scenarios describe how the gateway maps Business Application Identifier values for supported Merchant Category Codes.
| BAI | MCC 4829 | MCC 6211 | MCC 6051 | MCC 6540 | MCC 6012 | WS-API request with fields in Auth or Pay operations |
|---|---|---|---|---|---|---|
| Transfers Initiated by Consumers to others | ||||||
| General person to person – Other than CARD | FT | N/A | N/A | FT | FT |
|
| General person to person - CARD | PP | N/A | N/A | - | PP |
|
| General person to person – Staged wallet | - | FT | WT | - | - |
|
| General person to person – Prepaid card | - | N/A | TU | TU | TU |
|
| Transfers Initiated by Consumer to self | ||||||
| Transfer to Own card – Debit, Credit or charge | AA | - | - | - | AA |
|
| Transfer to Own card – Prepaid | - | - | TU | TU | TU |
|
| Transfer to Own Staged Digital Wallet Account | - | FT | WT | - | - |
|
| Transfer to Own Stored value wallet account | FT | - | - | FT | FT |
|
| General Transfer to Own Account | AA | - | - | AA | AA |
|
| Transfers Initiated by Organizations to others | ||||||
| Business Disbursement- OTHER than CARD | FT | - | - | FT | FT |
|
| Business Disbursement – Staged wallet | - | - | WT | - | - |
|
Mastercard AFT transaction
Supported Transaction Type Identifier values
| TTI | Description |
|---|---|
| F07, F08, F64, F54, F61, F52, F55, F65 | Funding Transactions |
| C07, C54, C52, C55, C56, C57, C65 | Payment Transactions and Funding Transactions |
Transaction Type Identifier mapping scenarios for supported MCCs
| Transaction Type Identifier | MCC 4829 | MCC 6051 | MCC 6211 | MCC 6538 | MCC 6540 | API request with fields in Auth or Pay operations |
|---|---|---|---|---|---|---|
| Transfers Initiated by Consumers | ||||||
| General person to person Transfer | Valid for F07 | - | - | Valid for C07 | Valid for F07 |
F07:
C07:
|
| Person to person – Transfer to Card Account | Valid for F08 | - | - | - | - |
|
| Transfers Initiated by Consumers or Organizations | ||||||
| Transfer to Own Debit or prepaid account | Valid for F64 | - | - | - | - |
|
| Payment of Own Credit Card Bill | Valid for F54 | - | - | Valid for C54 | - |
C54:
F54:
|
| Transfer to Own Staged Digital Wallet Account | Valid for F61 | Valid for F61 | Valid for F61 | - | Valid for F61 |
|
| General Transfer to Own Account | Valid for F52 | Valid for F52 | Valid for F52 | Valid for C52 | - |
F52:
C52:
|
| Transfers Initiated by Organizations | ||||||
| Business Disbursement | Valid for F55 | - | - | Valid for C55 | - |
F55:
C55:
|
| Government/Non-Profit Disbursement | - | - | - | Valid for C56 | - |
|
| Rapid Merchant Settlement | - | - | - | Valid for C57 | - |
|
| General Business to Business Transfer | Valid for F65 | - | - | Valid for C65 | - |
F65:
C65:
|
For more details, contact your Mastercard representative to access the Mastercard MoneySend and Funding Transactions Program Standards specifications.
Visa AFT purpose of payment supported values
| Purpose of payment code | Purpose of payment description |
|---|---|
| ISACCT | Account management |
| ISAIRB | Air transport related business |
| ISALLW | Transaction is the payment of allowance |
| ISANNI | Settlement of annuity |
| ISBENE | Unemployment disability benefit |
| ISBEXP | Business expenses |
| ISBONU | Bonus payment |
| ISBUSB | Bus transport related business |
| ISCASH | Cash management transfer |
| ISCBTV | Payment of cable TV bill |
| ISCCHD | Government institute issued related to cash compensation, helplessness, disability |
| ISCCRD | Credit card payment |
| ISCDBL | Payment of credit card bill |
| ISCHAR | Payment for charity reasons |
| ISCOLL | Collection payment |
| ISCOMC | Commercial payment |
| ISCOMM | Commission |
| ISCOMP | Compensation relating to interest loss/value date adjustment and can include fees |
| ISCPYR | Payment of copyright |
| ISDCRD | Related to a debit card payment |
| ISDEPT | Payment of a deposit |
| ISDIVD | Payment of dividend |
| ISEDUC | Payment of study/tuition fees |
| ISELEC | Payment of electricity bill |
| ISENRG | Energies |
| ISFEES | General fees |
| ISFERB | Payment for ferry related business |
| ISFREX | Foreign exchange |
| ISGASB | Payment of gas bill |
| ISGFRP | Compensation to unemployed persons during insolvency procedures |
| ISGOVT | Government payment |
| ISHLTI | Health insurance |
| ISICCP | Reimbursement of credit card payment |
| ISIDCP | Reimbursement of debit card payment |
| ISINPC | Payment of car insurance premium |
| ISINSC | Transaction is related to the payment of an insurance claim |
| ISINSM | Installment |
| ISINSU | Insurance premium |
| ISINVS | Payment of mutual funds, investment products and shares |
| ISINTC | Intra company payment |
| ISINTE | Interest |
| ISINTX | Income tax |
| ISINVS | Investment |
| ISLBRI | Labor insurance |
| ISLICF | License fee |
| ISLIFI | Life insurance |
| ISLOAN | Loan |
| ISMDCS | Medical services |
| ISMP2B | Mobile P2B payment |
| ISMP2P | Mobile P2P payment |
| ISMTUP | Mobile top up |
| ISNOWS | Not otherwise specified |
| ISOTHR | Other |
| ISOTLC | Transaction is related to a payment of other telecom related bill |
| ISPAYR | Payroll |
| ISPEFC | Contribution to pension fund |
| ISPENS | Pension payment |
| ISPHON | Payment of telephone bill |
| ISPPTI | Property insurance |
| ISRELG | Transaction is for general rental/lease |
| ISRENT | The payment of rent |
| ISRLWY | Payment for railway transport related business |
| ISROYA | Royalties |
| ISSALA | Salary payment |
| ISSAVG | Payment to savings/retirement account |
| ISSECU | Securities |
| ISSSBE | Social security benefit |
| ISSTDY | Study |
| ISSUBS | Subscription |
| ISSUPP | Supplier payment |
| ISTAXR | Refund of a tax payment or obligation |
| ISTAXS | Tax payment |
| ISTBIL | Transaction is related to a payment of telecommunications related bill |
| ISTRAD | Trade services operation |
| ISTREA | Treasury payment |
| ISTRPT | Payment for travel |
| ISUBIL | Utility bill payment |
| ISVATX | Value added tax payment |
| ISWHLD | Withholding |
| ISWTER | Payment of water bill |
Submit an AFT transaction
Follow these steps to submit an AFT transaction.
- Set
order.purchaseTypetoACCOUNT_FUNDING. - Provide
order.merchantCategoryCode.- When you omit this value, the gateway uses the default MCC from your merchant profile.
- Include all required AFT fields for your transaction scenario.
The gateway returns the submitted AFT data in the transaction response.
Example of AFT fields
{
"order": {
"purchaseType": "ACCOUNT_FUNDING",
"merchantCategoryCode": "4829"
},
"accountFunding": {
"recipient": {
"account": {
"identifier": "4797352254321089",
"identifierType": "CARD_NUMBER",
"fundingMethod": "UNKNOWN"
},
"firstName": "User",
"middleName": "John",
"lastName": "Duo",
"address": {
"street": "Street NJ",
"street2": "Times Square",
"city": "London",
"postCodeZip": "00312",
"stateProvinceCode": "LON",
"country": "GBR"
},
"identification": {
"type": "EMAIL",
"value": "abc12345@email.com",
"country": "AUS"
}
},
"senderIsRecipient": true,
"senderType": "PERSON",
"purpose": "OTHER"
},
"customer": {
"firstName": "Steven",
"middleName": "M",
"lastName": "Smith",
"identification": {
"type": "INDIVIDUAL_TAX_ID",
"value": "12345abcdef6789",
"country": "AUS"
}
}
}