Perform an Account Funding Transaction

Last updated: October 22, 2025

In an Account Funding Transaction (AFT) funds are pulled from one account to fund a non-merchant account. For example, to load a prepaid card, add funds to a wallet, or fund a person-to-person (P2P) money transfer.

Information

To enable AFTs, contact your account manager or request support.

Card schemes may require different information about the recipient and the sender depending on the following:

Operating region – Where the transaction is made
Transaction category – Whether it's a domestic or cross-border transaction

To perform a Visa AFT, call the Request a payment or payout endpoint.

post

https://api.checkout.com/payments

In the request body, provide the following:

Field name Description

Field name	Description
`processing.aft` boolean	Set to `true`.
`instruction.purpose` string	The purpose of the payment. This field is required if the card's `issuer_country` field is one of: `AR` – Argentina `BD` – Bangladesh `CL` – Chile `CO` – Colombia `EG` – Egypt `IN` – India `MX` – Mexico You must retrieve the card metadata to view the `issuer_country`.

processing.aft

boolean

Set to true.

instruction.purpose

string

The purpose of the payment.

This field is required if the card's issuer_country field is one of:

AR – Argentina
BD – Bangladesh
CL – Chile
CO – Colombia
EG – Egypt
IN – India
MX – Mexico

You must retrieve the card metadata to view the issuer_country.

Depending on the operating region, you must provide certain required data in the recipient and sender objects.

Checkout.com supports the following regions and transaction categories for Visa:

Europe – Domestic
Europe – Cross-border and intra-Europe
APAC – Domestic
APAC – Cross-border
Canada – Domestic
UAE – Domestic
UAE – Cross-border
USA – Domestic

Note

USA cross-border transactions for Visa are not supported.

Recipient data Sender data

Recipient data	Sender data
The following fields are required: `first_name` `last_name` `account_number` If you're funding an account, provide the recipient's account number. This can be one of: International bank account number (IBAN) Phone number The first six digits and last four digits of the primary account number (PAN) If you're funding a card, provide the PAN.	The sender data is optional.

The following fields are required:

first_name
last_name
account_number

If you're funding an account, provide the recipient's account number. This can be one of:

International bank account number (IBAN)
Phone number
The first six digits and last four digits of the primary account number (PAN)

If you're funding a card, provide the PAN.

The sender data is optional.

Recipient data Sender data

Recipient data	Sender data
The following fields are required: `first_name` `last_name` `account_number` If you're funding an account, provide the recipient's account number. This can be one of: IBAN Phone number The first six digits and last four digits of the PAN If you're funding a card, provide the PAN. If the recipient card was issued in Australia, New Zealand, or the South Pacific, you must provide `address.address_line1`. You can omit this field if the recipient is an account, such as a digital wallet. For recipients in Canada and funding cards issued in Canada, the following `address` fields are required: `address.address_line1` `address.city` `address.state` `address.zip` `address.country`	The following fields are required: `type` `first_name` `last_name` `address.address_line1` `address.city` `address.state` – Only if the sender is in the United States (US) or Canada `address.country` `date_of_birth`

The following fields are required:

first_name
last_name
account_number

If you're funding an account, provide the recipient's account number. This can be one of:

IBAN
Phone number
The first six digits and last four digits of the PAN

If you're funding a card, provide the PAN.

If the recipient card was issued in Australia, New Zealand, or the South Pacific, you must provide address.address_line1.
You can omit this field if the recipient is an account, such as a digital wallet.

For recipients in Canada and funding cards issued in Canada, the following address fields are required:

address.address_line1
address.city
address.state
address.zip
address.country

The following fields are required:

type
first_name
last_name
address.address_line1
address.city
address.state – Only if the sender is in the United States (US) or Canada
address.country
date_of_birth

The recipient and the sender data is optional.

Recipient data Sender data

Recipient data	Sender data
The following fields are required: `first_name` `last_name` `account_number` If you're funding an account, provide the recipient's account number. This can be one of: IBAN Phone number The first six digits and last four digits of the PAN If you're funding a card, provide the PAN. If the recipient card was issued in Australia, New Zealand, or the South Pacific, you must provide `address.address_line1`. You can omit this field if the recipient is an account, such as a digital wallet. For recipients in Canada and funding cards issued in Canada, the following `address` fields are required: `address.address_line1` `address.city` `address.state` `address.zip` `address.country`	The following fields are required: `type` `first_name` `last_name` `address.address_line1` `address.city` `address.state` – Only if the sender is in the US or Canada `address.country` `date_of_birth`

The following fields are required:

first_name
last_name
account_number

If you're funding an account, provide the recipient's account number. This can be one of:

IBAN
Phone number
The first six digits and last four digits of the PAN

If you're funding a card, provide the PAN.

For recipients in Canada and funding cards issued in Canada, the following address fields are required:

address.address_line1
address.city
address.state
address.zip
address.country

The following fields are required:

type
first_name
last_name
address.address_line1
address.city
address.state – Only if the sender is in the US or Canada
address.country
date_of_birth

Recipient and the sender data is optional.

Recipient data Sender data

Recipient data	Sender data
The following fields are required: `first_name` `last_name` `account_number` If you're funding an account, provide the recipient's account number. This can be one of: IBAN Phone number The first six digits and last four digits of the PAN If you're funding a card, provide the PAN. If the recipient card was issued in Australia, New Zealand, or the South Pacific, you must provide `address.address_line1`. You can omit this field if the recipient is an account, such as a digital wallet. For recipients in Canada and funding cards issued in Canada, the following `address` fields are required: `address.address_line1` `address.city` `address.state` `address.zip` `address.country`	The following fields are required: `type` `first_name` `last_name` `address.address_line1` `address.city` `address.state` – Only if the sender is in the US or Canada `address.country` `date_of_birth`

The following fields are required:

first_name
last_name
account_number

If you're funding an account, provide the recipient's account number. This can be one of:

IBAN
Phone number
The first six digits and last four digits of the PAN

If you're funding a card, provide the PAN.

For recipients in Canada and funding cards issued in Canada, the following address fields are required:

address.address_line1
address.city
address.state
address.zip
address.country

The following fields are required:

type
first_name
last_name
address.address_line1
address.city
address.state – Only if the sender is in the US or Canada
address.country
date_of_birth

Recipient data Sender data

Recipient data	Sender data
The following fields are required: `first_name` `last_name` `address.address_line1` `address.city` `address.state` – Only if the sender is in the US or Canada `address.zip` `address.country`	The following fields are required: `type` `first_name` `last_name` `address.address_line1` `address.city` `address.state` – Only if the sender is in the US or Canada `address.zip` `address.country`

The following fields are required:

first_name
last_name
address.address_line1
address.city
address.state – Only if the sender is in the US or Canada
address.zip
address.country

The following fields are required:

type
first_name
last_name
address.address_line1
address.city
address.state – Only if the sender is in the US or Canada
address.zip
address.country

You can use Visa AFTs to perform merchant-initiated transactions (MITs). For example, to enable your customers to add funds to their wallets on a recurring basis, or automatically based on pre-agreed balance thresholds.

You can perform recurring payments as AFTs. For example, to enable customers to add funds to their wallets:

Perform an initial AFT to store the customer's card details. For requirements, see Store card details during an initial recurring transaction.
Ensure you provide "payment_type": "Recurring".
Process any subsequent payments as AFTs. For requirements, see:
- Request a payment in a subsequent MIT
- Visa transaction ID requirements


1{
2  "source": {
3    "type": "token",
4    "token": "tok_4gzeau5o2uqubbk6fufs3m7p54"
5  },
6  "amount": 6500,
7  "currency": "GBP",
8  "payment_type": "Recurring",
9  "merchant_initiated": false,
10  "3ds": {
11    "enabled": true,
12    "challenge_indicator": "challenge_requested_mandate"
13  },
14  "processing": {
15    "aft": true
16  },
17  "recipient": {
18    "first_name": "Ali",
19    "last_name": "Farid",
20    "account_number": "5555554444",
21    "address": {
22      "country": "GB"
23    }
24  },
25  "sender": {
26    "type": "individual",
27    "first_name": "Jia",
28    "last_name": "Tsang",
29    "date_of_birth": "1990-01-01",
30    "address": {
31      "address_line1": "123 High St.",
32      "city": "London",
33      "country": "GB"
34    }
35  }
36}


1{
2  "source": {
3    "type": "card",
4    "number": 4242424242424242,
5    "expiry_month": 10,
6    "expiry_year": 2026,
7    "stored": true
8  },
9  "amount": 5000,
10  "currency": "USD",
11  "payment_type": "Recurring",
12  "merchant_initiated": true,
13  "previous_payment_id": "pay_paymentid",
14  "processing": {
15    "aft": true
16    },
17  "recipient": {
18    "first_name": "Ali",
19    "last_name": "Farid",
20    "account_number": "5555554444",
21    "address": {
22      "country": "GB"
23    }
24  },
25  "sender": {
26    "type": "individual",
27    "first_name": "Jia",
28    "last_name": "Tsang",
29    "date_of_birth": "1990-01-01",
30    "address": {
31      "address_line1": "123 High St.",
32      "city": "London",
33      "country": "GB"
34    }
35  }  
36}

You can process unscheduled payments as AFTs. For example, to enable your customers to reload their wallets when their available balance falls below a certain threshold.

Perform an initial AFT to store the customer's card details. For requirements, see Unscheduled payments with stored card details.
Process any subsequent payments as AFTs. For requirements see Request an unscheduled payment.


1{
2  "source": {
3    "type": "card",
4    "number": 4242424242424242,
5    "expiry_month": 10,
6    "expiry_year": 2026
7  },
8  "amount": 0,
9  "currency": "USD",
10  "payment_type": "Unscheduled",
11  "merchant_initiated": false,
12  "3ds": {
13    "enabled": true,
14    "challenge_indicator": "challenge_requested_mandate"
15  },
16  "processing": {
17    "aft": true
18  },
19  "recipient": {
20    "first_name": "Ali",
21    "last_name": "Farid",
22    "account_number": "5555554444",
23    "address": {
24      "country": "GB"
25    }
26  },
27  "sender": {
28    "type": "individual",
29    "first_name": "Jia",
30    "last_name": "Tsang",
31    "date_of_birth": "1990-01-01",
32    "address": {
33      "address_line1": "123 High St.",
34      "city": "London",
35      "country": "GB"
36    }
37  }
38}


1{
2  "source": {
3    "type": "card",
4    "number": 4242424242424242,
5    "expiry_month": 10,
6    "expiry_year": 2026,
7    "stored": true
8  },
9  "amount": 5000,
10  "currency": "USD",
11  "payment_type": "Unscheduled",
12  "merchant_initiated": true,
13  "previous_payment_id": "pay_paymentid",
14  "processing": {
15    "merchant_initiated_reason": "delayed_charge",
16    "aft": true
17  }, 
18    "recipient": {
19    "first_name": "Ali",
20    "last_name": "Farid",
21    "account_number": "5555554444",
22    "address": {
23      "country": "GB"
24    }
25  },
26  "sender": {
27    "type": "individual",
28    "first_name": "Jia",
29    "last_name": "Tsang",
30    "date_of_birth": "1990-01-01",
31    "address": {
32      "address_line1": "123 High St.",
33      "city": "London",
34      "country": "GB"
35    }
36  }   
37}

To perform a Mastercard AFT, call the Request a payment or payout endpoint.

post

https://api.checkout.com/payments

In the request body, set the processing.aft boolean to true.

Depending on the operating region, you must provide certain required data in the recipient and sender objects.

Checkout.com supports the following regions and transaction categories for Mastercard:

Europe and APAC – Domestic
Europe and APAC – Cross-border
Canada – Domestic
UAE – Domestic
USA – Domestic

Note

UAE and USA cross-border transactions for Mastercard are not supported.

Recipient data Sender data

Recipient data	Sender data
The following fields are required: `first_name` `last_name` `account_number` If you're funding an account, provide the recipient's account number. This can be one of: IBAN Phone number The first six digits and last four digits of the PAN If you're funding a card, provide the following: PAN `address.country`	The sender data is optional.

The following fields are required:

first_name
last_name
account_number

If you're funding an account, provide the recipient's account number. This can be one of:

IBAN
Phone number
The first six digits and last four digits of the PAN

If you're funding a card, provide the following:

PAN
address.country

The sender data is optional.

Recipient data Sender data

Recipient data	Sender data
The following fields are required: `first_name` `last_name` `account_number` If you're funding an account, provide the recipient's account number. This can be one of: IBAN Phone number The first six digits and last four digits of the PAN If you're funding a card, provide the following: PAN `address.country`	The sender data is optional.

The following fields are required:

first_name
last_name
account_number

If you're funding an account, provide the recipient's account number. This can be one of:

IBAN
Phone number
The first six digits and last four digits of the PAN

If you're funding a card, provide the following:

PAN
address.country

The sender data is optional.

Recipient data Sender data

Recipient data	Sender data
The following fields are required: `first_name` `last_name` `account_number` `address.country` If you're funding an account, provide the recipient's account number. This can be one of: IBAN Phone number The first six digits and last four digits of the PAN	The sender data is optional.

The following fields are required:

first_name
last_name
account_number
address.country

If you're funding an account, provide the recipient's account number. This can be one of:

IBAN
Phone number
The first six digits and last four digits of the PAN

The sender data is optional.

Recipient data Sender data

Recipient data	Sender data
The following fields are required: `first_name` `last_name` `account_number` If you're funding an account, provide the recipient's account number. This can be one of: IBAN Phone number The first six digits and last four digits of the PAN If you're funding a card, provide the following: PAN `address.country`	The sender data is optional.

The following fields are required:

first_name
last_name
account_number

If you're funding an account, provide the recipient's account number. This can be one of:

IBAN
Phone number
The first six digits and last four digits of the PAN

If you're funding a card, provide the following:

PAN
address.country

The sender data is optional.

Recipient data Sender data

Recipient data	Sender data
The following fields are required: `first_name` `last_name` `account_number` If you're funding an account, provide the recipient's account number. This can be one of: IBAN Phone number The first six digits and last four digits of the PAN If you're funding a card, provide the following: PAN `address.address_line1` `address.city` `address.state` `address.zip` `address.country`	The following fields are required: `type` `first_name` `last_name` `address.address_line1` `address.city` `address.state` `address.zip` `address.country`

The following fields are required:

first_name
last_name
account_number

If you're funding an account, provide the recipient's account number. This can be one of:

IBAN
Phone number
The first six digits and last four digits of the PAN

If you're funding a card, provide the following:

PAN
address.address_line1
address.city
address.state
address.zip
address.country

The following fields are required:

type
first_name
last_name
address.address_line1
address.city
address.state
address.zip
address.country


1{
2  "source": {
3    "type": "token",
4    "token": "tok_4gzeau5o2uqubbk6fufs3m7p54"
5  },
6  "amount": 6500,
7  "currency": "GBP",
8  "processing": {
9    "aft": true
10  },
11  "recipient": {
12    "first_name": "Ali",
13    "last_name": "Farid",
14    "account_number": "5555554444",
15    "address": {
16      "country": "GB"
17    }
18  },
19  "sender": {
20    "type": "individual",
21    "first_name": "Jia",
22    "last_name": "Tsang",
23    "date_of_birth": "1990-01-01",
24    "address": {
25      "address_line1": "123 High St.",
26      "city": "London",
27      "country": "GB"
28    }
29  }
30}


1{
2  "id": "pay_mbabizu24mvu3mela5njyhpit4",
3  "action_id": "act_mbabizu24mvu3mela5njyhpit4",
4  "amount": 6500,
5  "currency": "GBP",
6  "approved": true,
7  "status": "Authorized",
8  "auth_code": "770687",
9  "eci": "05",
10  "scheme_id": "638284745624527",
11  "response_code": "10000",
12  "response_summary": "Approved",
13  "risk": {
14    "flagged": false
15  },
16  "source": {
17    "id": "src_nwd3m4in3hkuddfpjsaevunhdy",
18    "type": "card",
19    "expiry_month": 9,
20    "expiry_year": 2022,
21    "scheme": "Visa",
22    "last4": "4242",
23    "fingerprint": "F31828E2BDABAE63EB694903825CDD36041CC6ED461440B81415895855502832",
24    "bin": "424242",
25    "card_type": "CREDIT",
26    "card_category": "CONSUMER",
27    "issuer": "Test Bank",
28    "issuer_country": "GB",
29    "product_id": "A",
30    "product_type": "Visa Traditional",
31    "avs_check": "S",
32    "cvv_check": ""
33  },
34  "customer": {
35    "id": "cus_udst2tfldj6upmye2reztkmm4i"
36  },
37  "processing": {
38    "acquirer_transaction_id": "708183248720806995996",
39    "retrieval_reference_number": "471056794828",
40    "merchant_category_code": "0742",
41    "scheme_merchant_id": "502177",
42    "aft": true
43  },
44  "processed_on": "2024-01-25T11:03:36Z",
45  "reference": "ORD-5023-4E89",
46  "_links": {
47    "self": {
48      "href": "https://api.sandbox.checkout.com/payments/pay_mbabizu24mvu3mela5njyhpit4"
49    },
50    "actions": {
51      "href": "https://api.sandbox.checkout.com/payments/pay_mbabizu24mvu3mela5njyhpit4/actions"
52    },
53    "capture": {
54      "href": "https://api.sandbox.checkout.com/payments/pay_mbabizu24mvu3mela5njyhpit4/captures"
55    },
56    "void": {
57      "href": "https://api.sandbox.checkout.com/payments/pay_mbabizu24mvu3mela5njyhpit4/voids"
58    }
59  }
60}

The approved boolean indicates if authorization was successful. A value of true indicates success.

If authorization failed, it may be because the payment used:

An invalid card
An expired card
A valid card with an insufficient balance

If you receive a 202 response, the payment requires a redirect. For example, to perform 3D Secure (3DS) authentication.

Potentially fraudulent authorization requests return risk.flagged: true to show that the payment has been flagged.

The possible values for the status field include:

Authorized
Captured
Card Verified
Declined
Pending – For 3DS payments only

Information

For more information about the response, see:

CVV codes and descriptions
AVS codes
API response codes (if the authorization failed)

Information

How it works

Perform a Visa AFT

Note

Europe – Domestic

Account

Card

Europe – Cross-border and intra-Europe

Account

Card

Australia, New Zealand, or the South Pacific

Canada

APAC – Domestic

APAC – Cross-border

Account

Card

Australia, New Zealand, or the South Pacific

Canada

Canada – Domestic

UAE – Domestic

UAE – Cross-border

Account

Card

Australia, New Zealand, or the South Pacific

Canada

USA – Domestic

Merchant-initiated transactions

Initial request example

Subsequent request example

Perform a Mastercard AFT

Note

Europe and APAC – Domestic

Account

Card

Europe and APAC – Cross-border

Account

Card

Canada – Domestic

Account

UAE – Domestic

Account

Card

USA – Domestic

Account

Card

Request example

Response example

Information