Visa Account Funding Transactions (AFT)

The Account Funding Transaction (AFT) is a transaction used to pull funds from a card account in order to fund a push OCT to a different account, which can be either the cardholder's or another person's account.

The table provides an overview of all mandatory and optional fields to be included in the API request in case you are eligible to perform AFT transactions:

Path/Name	XML Schema type	Description
v1:TransactionDetails/ v1:BusinessApplicationIdentifier	xs:string	Represents 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
v1:Transaction/ v1:Sender/ v1:Name	xs:string 100max	Sender’s Name
v1:Transaction/ v1:Sender/ v1:AccountNumber	xs:string 34max	Sender’s Account Number
v1:Transaction/ v1:Sender/ v1:ReferenceNumber	xs:string 32max	Optional element Sender Reference Number; contains a transaction reference number that is provided by the originator and can be used to uniquely identify the sender
v1:Transaction/ v1:Sender/ v1:Address	xs:string 250max	Sender’s Address
v1:Transaction/ v1:Sender/ v1:City	xs:string 50max	Sender’s City
v1:Transaction/ v1:Sender/ v1:State	xs:string 96max	Sender’s State (if applicable)
v1:Transaction/ v1:Sender/ v1:Zip	xs:string 10max	Sender’s ZIP code
v1:Transaction/ v1:Sender/ v1:Phone	xs:string 32max	Sender’s Phone Number
v1:Transaction/ v1:Sender/ v1:Country	xs:string	Sender’s Country
v1:Transaction/ v1:Receiver/ v1:Name	xs:string 100max	Recipient’s Name
v1:Transaction/ v1:Receiver/ v1:AccountNumber	xs:string	Recipient’s Account Number
v1:Transaction/ v1:Receiver/ v1:ReferenceNumber	xs:string 32max	Recipient’s Reference Number

The following xml document represents an example of a Visa AFT transaction including mandatory and optional set of elements, mandatory elements are highlighted:

<soapenv:Envelope 
xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/" 
xmlns:ipg="http://ipg-online.com/ipgapi/schemas/ipgapi" 
xmlns:v1="http://ipg-online.com/ipgapi/schemas/v1" 
    <soapenv:Header/>
    <soapenv:Body>
        <ipg:IPGApiOrderRequest>
            <v1:Transaction>
                <v1:CreditCardTxType>
                    <v1:Type>sale</v1:Type>
                </v1:CreditCardTxType>
                <v1:CreditCardData>
                    <v1:CardNumber>4111********1111</v1:CardNumber>
                    <v1:ExpMonth>12</v1:ExpMonth>
                    <v1:ExpYear>27</v1:ExpYear>
                </v1:CreditCardData>
                <v1:Payment>
                    <v1:ChargeTotal>50.00</v1:ChargeTotal>
                    <v1:Currency>978</v1:Currency>
                </v1:Payment>
            </v1:Transaction>
            <v1:TransactionDetails> 
            <v1:BusinessApplicationIdentifier>ACCOUNT_TO_ACCOUNT</v1:BusinessApplicationI
            dentifier>
            </v1:TransactionDetails>
                <v1:Sender>
                    <v1:Name>Max Mustermann</v1:Name>
                    <v1:AccountNumber>123456789</v1:AccountNumber>
                    <v1:Address>Frankfurter Str.25</v1:Address>
                    <v1:City>Frankfurt</v1:City>
                    <v1:State>Hesse</v1:State>
                    <v1:Zip>60306</v1:Zip>
                    <v1:Country>DEU</v1:Country>
                    <v1:Phone>49692503033</v1:Phone>
                    <v1:ReferenceNumber>ReferenceNumber973</v1:ReferenceNumber>
                </v1:Sender>
                <v1:Receiver>
                    <v1:Name>Ella Mustermann</v1:Name>
                    <v1:AccountNumber>123456789012345</v1:AccountNumber>
                    <v1:Address>Landstrasse 25</v1:Address>
                    <v1:City>München</v1:City>
                    <v1:State>Bayern</v1:State>
                    <v1:Zip>12345</v1:Zip>
                    <v1:Country>Germany</v1:Country>
                    <v1:Phone>97010203033</v1:Phone> 
                    <v1:ReferenceNumber>receiverReferenceNumber973</v1:ReferenceNumber>
                </v1:Receiver>
            </v1:Transaction>
        </ipg:IPGApiOrderRequest>
    </soapenv:Body>
</soapenv:Envelope>

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