Visa AFT & Mastercard MoneySend

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.

Visa AFT

Field NameM/ODescription, possible values and format
BusinessApplicationIdentifierMRepresents 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
sdrNameMSender's Name
sdrAccountMSender's Account Number
sdrReferenceOSender Reference Number; contains a transaction reference number that is provided by the originator and can be used to uniquely identify the sender
sdrAddrMSender’s Address
sdrCityOSender’s City
sdrStateOSender's State
sdrPhoneOSender's Phone Number
sdrCountryMSender's Country
rNameMRecipient's Name
rAccountNumberMRecipient's Account Number
rReferenceNumberMRecipient's Reference Number

The following represents an example of a Visa AFT transaction including mandatory and optional set of elements:

<!-- #include file="ipg-util.asp"-->
<html>
<head><title>IPG Connect Sample for ASP</title></head>
<body>
<p><h1>Order Form</h1></p>
<form method="post" action=" https://test.ipg-online.com/connect/gateway/processing ">
<input type="hidden" name="txntype" value="sale">
<input type="hidden" name="checkoutoption" value="combinedpage">
<input type="hidden" name="timezone" value="Europe/Berlin"/>
<input type="hidden" name="txndatetime" value="<% getDateTime() %>"/>
<input type="hidden" name="hash_algorithm" value="HMACSHA256"/>
<input type="hidden" name="hashExtended" value="<% call createExtendedHash( "13.00","978" ) %>"/>
<input type="hidden" name="storename" value="1109950006" />
<input type="hidden" name="mode" value="payonly"/>
<input type="hidden" name="paymentMethod" value="M"/>
<input type="text" name="chargetotal" value="130.00" />
<input type="hidden" name="currency" value="978"/>
<input type="hidden" name="authenticateTransaction" value="true"/>
<input type="hidden" name="threeDSRequestorChallengeIndicator" value=”1”/>
<input type="text" name="cardnumber" value="540215******2355">
<input type="text" name="expmonth" value="12">
<input type="text" name="expyear" value="24">
<input type="text" name="businessApplicationIdentifier" value="PAYROLL_OR_PENSION_DISBURSEMENT">
<input type="text" name="sdrName" value="Sender Name">
<input type="text" name="sdrAccount" value="1234567890">
<input type="text" name="sdrReference" value="sendRefNo123">
<input type="text" name="sdrAddr" value="Sender Address">
<input type="text" name="sdrCity" value="Sender City">
<input type="text" name="sdrState" value="Sender State">
<input type="text" name="sdrPhone" value="123456456789">
<input type="text" name="sdrCountry" value="Sender Country">
<input type="text" name="rName" value="Recipient Name">
<input type="text" name="rAccountNumber" value="Recipient Account Number">
<input type="text" name="rReferenceNumber" value="receiverReferenceNumber108">
<input type="submit" value="Submit">
</form>
</body>
</html>

Mastercard MoneySend

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

Field NameM/ODescription, possible values and format
TransactionTypeIdentifierMRepresents the identity of the merchant participating in AFT program, available values:
• BUSINESS_DISBURSEMENT_MONEY_SEND
• BUSINESS_DISBURSEMENT_MONEY_TRANSFER
• BUSINESS_TO_BUSINESS_MONEY_SEND
• 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
sdrNameMSender's Name
sdrAccountOSender's Account Number
sdrReferenceOSender Reference Number; contains a transaction reference number that is provided by the originator and can be used to uniquely identify the sender
sdrAddrOSender’s Address
sdrCityOSender’s City
sdrStateOSender's State
sdrPhoneOSender's Phone Number
sdrCountryOSender's Country
rNameMRecipient's Name
rAccountNumberMRecipient's Account Number
rReferenceNumberORecipient's Reference Number
rCountryMRecipient's Country

The following represents an example of a Mastercard funding transaction including mandatory and optional set of elements:

<!-- #include file="ipg-util.asp"-->
<html>
<head><title>IPG Connect Sample for ASP</title></head>
<body>
<p><h1>Order Form</h1></p>
<form method="post" action=" https://test.ipg-online.com/connect/gateway/processing ">
<input type="hidden" name="txntype" value="sale">
<input type="hidden" name="checkoutoption" value="combinedpage">
<input type="hidden" name="timezone" value="Europe/Berlin"/>
<input type="hidden" name="txndatetime" value="<% getDateTime() %>"/>
<input type="hidden" name="hash_algorithm" value="HMACSHA256"/>
<input type="hidden" name="hashExtended" value="<% call createExtendedHash( "13.00","978" ) %>"/>
<input type="hidden" name="storename" value="1109950006" />
<input type="hidden" name="mode" value="payonly"/>
<input type="hidden" name="paymentMethod" value="M"/>
<input type="text" name="chargetotal" value="130.00" />
<input type="hidden" name="currency" value="978"/>
<input type="hidden" name="authenticateTransaction" value="true"/>
<input type="hidden" name="threeDSRequestorChallengeIndicator" value=”1”/>
<input type="text" name="cardnumber" value="540215******2355">
<input type="text" name="expmonth" value="12">
<input type="text" name="expyear" value="24">
<input type="text" name="transactionTypeIdentifier" value=" BUSINESS_DISBURSEMENT_MONEY_SEND">
<input type="text" name="sdrName" value="Sender Name">
<input type="text" name="sdrAccount" value="1234567890">
<input type="text" name="sdrReference" value="sendRefNo123">
<input type="text" name="sdrAddr" value="Sender Address">
<input type="text" name="sdrCity" value="Sender City">
<input type="text" name="sdrState" value="Sender State">
<input type="text" name="sdrPhone" value="123456456789">
<input type="text" name="sdrCountry" value="Sender Country">
<input type="text" name="rName" value="receiverReferenceNumber108">
<input type="text" name="rAccountNumber" value="Recipient Account Number">
<input type="text" name="rCountry" value="Recipient Country">
<input type="submit" value="Submit">
</form>
</body>
</html>