Account Funding Transactions (AFT) involve a payment where the funds are send to a destination that does not represent a regular purchase of goods or service, like a payment wallet, or a stock account.

To process most PSPs will require a merchant to be set up as this feature is generally only available for some merchant categories. We currently support AFTs for card payment and have added support for passing details about the funding source (buyer) and recipient destination through our API.

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Supported connectors

The following connectors are currently supported for AFTs. Most of these require the source (buyer) and recipient’s name, billing address, and account number. Please refer to the individual docs for more information.

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Making an AFT payment

To make an AFT payment, it’s important to provide as much of the buyer and recipient data as is required by your payment service, and to set the account_funding_transaction flag to true.

POST /transactions

{
    "amount": 1299,
    "country": "US",
    "currency": "USD",
    "intent": "capture",
    ...
    "account_funding_transaction": true,
    "recipient": {
        "first_name": "Alice",
        "last_name": "Cooper",
        "address": {
            "line1": "1 Main street",
            ...
        }
        "account_number": "123456",
        "date_of_birth": "1988-12-29",
    },
    "buyer": {
        "account_number": "234567",
        "billing_details": {
            "first_name": "Bob",
            "last_name": "Davids",
            ...
        }
    }
}

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Limitations

There are a few limitations to our AFT integration.

  • AFTs are powered by Visa Direct and Mastercard Send in the EU, and through other rails in other regions. Therefore, availability will differ per market as well as the scheme of the card used.
  • AFTs are often enabled at the payment service side, and passing through AFT flags for merchant account that have not been enabled may raise errors with some services, while in others they would be simply ignored. Please verify that your account correctly handling the AFTs before proceeding to process live transactions.
  • Although we will send the AFT flags to a service when requested, there is no guarantee the transaction was marked as an AFT by the downstream PSP unless it’s been set up correctly.

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