Money Transfer

Money Transfer functionality is represented by scheme programs also known as Visa Account Funding Transaction (AFT) and Mastercard MoneySend.

The Account Funding Transaction (AFT) is a transaction used to pull funds from a card account in order to push Original Credit Transfer (currently recognised as Visa Direct) to a different account, which can be either the cardholder's or another person's account.

Mastercard MoneySend makes it possible to credit a Mastercard account (for a credit, debit or prepaid card) via the existing payments system infrastructure.

In order to use this special type of payment, your store must be enabled with the respective service.

The table below represents the overview of mandatory and optional parameters to be included in the transaction request:

Field nameDescription
txntypeuse value 'sale'
businessApplicationIdentifierRepresents the identity of the merchant participating in AFT program, available values:
• ACCOUNT_TO_ACCOUNT
• BANK_INITIATED_TRANSFER
• BUSINESS_TO_BUSINESS
• CARD_BILL_PAYMENT
• FUNDS_DISBURSEMENT
• FUND_TRANSFER
• GAMBLING_PAYOUT
• GENERAL_FUNDS_DISBURSEMENT
• GOVERNMENT_DISBURSEMENT
• LOYALTY_PAYMENTS
• MERCHANT_DISBURSEMENT
• MERCHANT_PAYMENT
• NON_CARD_BILL_PAYMENT
• ONLINE_GAMBLING_PAYOUT
• PAYROLL_OR_PENSION_DISBURSEMENT
• PERSON_TO_PERSON
• TOPUP_FOR_ENHANCED_PREPAID_LOADS
• TOP_OFF
• WALLET_TRANSFER
• ZERO_DOLLAR_AUTHORIZATION
Note: If the payment brand (Visa or Mastercard) cannot be identified before redirecting customer to the hosted payment page, then please include businessApplicationIdentifiertogether with transactionTypeIdentifier
transactionTypeIdentifierMastercard's Transaction Type Identifier
• BUSINESS_TO_BUSINESS_MONEY_SEND
• BUSINESS_DISBURSEMENT_MONEY_TRANSFER
• BUSINESS_TO_BUSINESS_MONEY_TRANSFER
• CARD_BILL_PAYMENT_MONEY_SEND
• CARD_BILL_PAYMENT_MONEY_TRANSFER
• GOVERNMENT_DISBURSEMENT_NONPROFIT
• OWN_ACCOUNT_MONEY_SEND
• OWN_ACCOUNT_MONEY_TRANSFER
• OWN_DEBIT_PREPAID_TRANSFER
• OWN_WALLET_TRANSFER
• PERSON_TO_PERSON_CARD_ACCOUNT
• PERSON_TO_PERSON_MONEY_SEND
• PERSON_TO_PERSON_MONEY_TRANSFER
• RAPID_MERCHANT_SETTLEMENT

Note: If the payment brand (Visa or Mastercard) cannot be identified before redirecting customer to the hosted payment page, then please include businessApplicationIdentifiertogether with transactionTypeIdentifier
sdrNameName of the sender
sdrAccountAccount number of the sender
senderAccountTypeAccount type of the sender
E.g. 'IBAN'
sdrReferenceReference number of the sender
sdrAddrAddress of the sender
sdrCityCity of the sender
sdrStateState of the sender (ISO sub division code)
E.g. 'HE'
sdrCountryISO country code of the sender
E.g. 'DE' or 'DEU' for Germany
sdrZipZip code of the sender
sdrPhonePhone number of the sender
sdrBirthDateBirth date of the sender
Format: YYYYMMDD
receiverNameName of the receiver
rAccountNumberAccount number of the receiver
receiverAccountTypeAccount type of the receiver
E.g. 'OTHER'
rReferenceNumberReference number of the receiver
receiverAddressAddress of the receiver
receiverCityCity of the receiver
receiverStateState of the receiver (ISO sub division code)
E.g. 'PRA'
receiverCountryISO country code of the receiver
E.g. 'DE' or 'DEU' for Germany
receiverZipZip code of the receiver
receiverPhonePhone number of the receiver
purposeOfPaymentCodePurpose of payment code. Only needed for special countries for Visa.

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