Account Funding Transactions (AFT)

Overview

An Account Funding Transaction (AFT) is an operation that allows transferring funds from a card to a bank account or to another person. This type of transaction is available for Visa and Mastercard cards, and its availability depends on the MCC (Merchant Category Code) of the merchant and the card brand.

In Paylands, the logic that determines whether an AFT is applied and its type depends on the presence of the aft field and the user data provided in extra_data when generating the payment order, as well as the merchant configuration.

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AFT Types

Type	Description	Requires receiver data
NONE	Forces AFT not to be used.	No
ACCOUNT_TO_ACCOUNT	Transfer of funds from a card to the same user's account.	No
PERSON_TO_PERSON	Transfer of funds to another person (receiver data required).	Yes

If the aft field is not provided, Paylands may automatically apply an ACCOUNT_TO_ACCOUNT AFT, as long as:

• The merchant is configured for it (based on its MCC).
• Sender information is correctly provided in the profile and billing_address fields.

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Structure of extra_data.aft

The aft field is included inside extra_data. Its structure depends on the AFT type:

"aft": {
  "type": "PERSON_TO_PERSON",
  "receiver": {
    "first_name": "John",
    "last_name": "Doe",
    "country": "ESP",
    "account_number": "4111111111111111",
    "account_type": "CARD_NUMBER"
  }
}

Fields of the aft object

Field	Type	Required	Description
type	string	Yes	AFT type: NONE, ACCOUNT_TO_ACCOUNT, PERSON_TO_PERSON
receiver	object	Only if type = PERSON_TO_PERSON	Receiver’s transfer details

Fields of the receiver object

Field	Type	Required	Description
first_name	string	Yes	Receiver’s first name
last_name	string	Yes	Receiver’s last name
country	string	Yes	Receiver’s country (ISO 3-letter format, e.g., ESP)
account_number	string	Yes	Receiver’s card, account, or phone number
account_type	string	No	Account type: CARD_NUMBER (default), ACCOUNT_NUMBER, MOBILE_PHONE_NUMBER

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Required sender data

To execute an AFT correctly (explicit or implicit), the following fields must be provided in extra_data:

profile

Field	Required	Description
first_name	Yes	User’s first name
last_name	Yes	User’s last name
birthdate	Yes	Date of birth (YYYY-MM-DD)
email	No	User’s email (recommended)

billing_address

Field	Required	Description
country	Yes	User’s country
address1	Yes	Address line
city	Yes	City
zip_code	Yes	Postal code
state_code	Only if country is USA or CAN	State code

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AFT compatibility by brand and MCC

The following tables show which AFT types are supported depending on the card brand and the merchant’s MCC:

Visa

AFT Type	Supported MCCs
ACCOUNT_TO_ACCOUNT	4829, 6012, 6051, 6211, 6540
PERSON_TO_PERSON	4829

Mastercard

AFT Type	Supported MCCs
ACCOUNT_TO_ACCOUNT	6012, 6051, 6211, 6536, 6537, 6540
PERSON_TO_PERSON	4829, 6536, 6537, 6538, 6540

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Integration examples

AFT type ACCOUNT_TO_ACCOUNT (explicit)

"extra_data": {
  "profile": {
    "first_name": "Joy",
    "last_name": "Cardholder",
    "email": "joy@carholder.com",
    "birthdate": "1996-06-04"
  },
  "billing_address": {
    "country": "ESP",
    "address1": "Avda. del Mar",
    "city": "Castellon",
    "state_code": "CT",
    "zip_code": "12006"
  },
  "aft": {
    "type": "ACCOUNT_TO_ACCOUNT"
  }
}

AFT type ACCOUNT_TO_ACCOUNT (implicit)

"extra_data": {
  "profile": {
    "first_name": "Joy",
    "last_name": "Cardholder",
    "email": "joy@carholder.com",
    "birthdate": "1996-06-04"
  },
  "billing_address": {
    "country": "ESP",
    "address1": "Avda. del Mar",
    "city": "Castellon",
    "state_code": "CT",
    "zip_code": "12006"
  }
}

AFT type PERSON_TO_PERSON

"extra_data": {
  "profile": {
    "first_name": "Joy",
    "last_name": "Cardholder",
    "email": "joy@carholder.com",
    "birthdate": "1996-06-04"
  },
  "billing_address": {
    "country": "ESP",
    "address1": "Avda. del Mar",
    "city": "Castellon",
    "state_code": "CT",
    "zip_code": "12006"
  },
  "aft": {
    "type": "PERSON_TO_PERSON",
    "receiver": {
      "first_name": "John",
      "last_name": "Doe",
      "country": "ESP",
      "account_number": "4111111111111111",
      "account_type": "CARD_NUMBER"
    }
  }
}

Force no AFT (NONE)

"extra_data": {
  "aft": {
    "type": "NONE"
  }
}

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AFT supported services

The following services support AFT functionality in Paylands:

• Cecabank
• Paynopain
• Trustpayments
• Nuvei
• Finaro (Credorax)
• Worldpay

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