Perform an Account Funding Transaction

Last updated: March 12, 2025

An Account Funding Transaction (AFT) is a transaction in which funds are pulled from an account and used 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.

Note

To start using this feature, contact your account manager or [email protected].

The requirements for performing an AFT vary depending on:

Where the transaction is made (operating region)
Whether the transaction is domestic or cross-border (transaction category)

To perform an AFT, you send a request to our Payments API with the processing.aft field set to true, along with a recipient and a sender object containing information about the transaction's sender and receiver.

Each credit card scheme might require different information about the recipient and the sender, depending on the operating region and transaction category.

post

https://api.checkout.com/payments

For the full API specification, see the API reference.

Field name Description

processing.aft

A boolean value that indicates if the payment request is an AFT.

instruction.purpose

A string describing 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 card metadata to view the card's issuer_country.

Depending on the operating region, you must configure your recipient and sender with certain required information.

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

Information

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 may be an international account number (IBAN), phone number, or the first six digits and last four digits of the primary account number (PAN). If you're funding a card, provide the PAN number.	Sender information 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 may be an international account number (IBAN), phone number, or the first six digits and last four digits of the primary account number (PAN).

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

Sender information 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 may be an international account number (IBAN), phone number, or the first six digits and last four digits of the primary account number (PAN). If you're funding a card, provide the PAN number. If the recipient is a Visa-issued card 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. If the recipient is in Canada or if the funding card is 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 sender is from the United States or Canada `address.country` `date_of_birth`

The following fields are required:

first_name
last_name
account_number

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

If the recipient is a Visa-issued card 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.

If the recipient is in Canada or if the funding card is 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 sender is from the United States or Canada
address.country
date_of_birth

Recipient and 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 may be an international account number (IBAN), phone number, or the first six digits and last four digits of the primary account number (PAN). If you're funding a card, provide the PAN number. If the recipient is a Visa-issued card 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. If the recipient is in Canada or if the funding card is 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 sender is from the United States or Canada `address.country` `date_of_birth`

The following fields are required:

first_name
last_name
account_number

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

If the recipient is in Canada or if the funding card is 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 sender is from the United States or Canada
address.country
date_of_birth

Recipient and 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 may be an international account number (IBAN), phone number, or the first six digits and last four digits of the primary account number (PAN). If you're funding a card, provide the PAN number. If the recipient is a Visa-issued card 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. If the recipient is in Canada or if the funding card is 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 sender is from the United States or Canada `address.country` `date_of_birth`

The following fields are required:

first_name
last_name
account_number

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

If the recipient is in Canada or if the funding card is 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 sender is from the United States 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 sender is from the United States 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 sender is from the United States or Canada `address.zip` `address.country`

The following fields are required:

first_name
last_name
address.address_line1
address.city
address.state – Only if sender is from the United States 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 sender is from the United States or Canada
address.zip
address.country

You can also use Visa AFT 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 credit 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 and 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 credit card details. For requirements, see Unscheduled payments with stored card details.
Process any subsequent payments as an 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  },
17  "processing": {
18    "aft": true
19  }, 
20    "recipient": {
21    "first_name": "Ali",
22    "last_name": "Farid",
23    "account_number": "5555554444",
24    "address": {
25      "country": "GB"
26    }
27  },
28  "sender": {
29    "type": "individual",
30    "first_name": "Jia",
31    "last_name": "Tsang",
32    "date_of_birth": "1990-01-01",
33    "address": {
34      "address_line1": "123 High St.",
35      "city": "London",
36      "country": "GB"
37    }
38  }   
39}

For the full API specification, see the API reference.

post

https://api.checkout.com/payments

Field name	Description
`processing.aft`	A boolean value that indicates if the payment request is an AFT.

Depending on the operating region, you must configure your recipient and sender with certain required information.

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

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 may be an international account number (IBAN), phone number, or the first six digits and last four digits of the primary account number (PAN). If you're funding a card, provide the PAN number. `address.country`	Sender information is optional.

The following fields are required:

first_name
last_name
account_number

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

address.country

Sender information 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 may be an international account number (IBAN), phone number, or the first six digits and last four digits of the primary account number (PAN). If you're funding a card, provide the PAN number. `address.country`	Sender information is optional.

The following fields are required:

first_name
last_name
account_number

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

address.country

Sender information 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 may be an international account number (IBAN), phone number, or the first six digits and last four digits of the primary account number (PAN). If you're funding a card, provide the PAN number. `address.country`	Sender information is optional.

The following fields are required:

first_name
last_name
account_number

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

address.country

Sender information 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 may be an international account number (IBAN), phone number, or the first six digits and last four digits of the primary account number (PAN). If you're funding a card, provide the PAN number. `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 a card, provide the PAN number.

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}

Use the approved field to check whether or not the authorization was successful ("approved": true). If your authorization was not successful, it's possible the payment used:

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

If you received a 202 response, the payment requires a redirect. For example, if the payment is 3D Secure.

Information

The following pages can help you understand the response message:

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

The possible values for the status field include:

Authorized
Captured
Card Verified
Declined
Pending

Note that Pending only applies to 3D Secure payments.


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}

Information

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

Perform an Account Funding Transaction

Note

Overview

Perform an AFT for Visa

Body parameters

Information

Europe: Domestic

Europe: Cross-border and intra-Europe

APAC: Domestic

APAC: Cross-border

UAE: Domestic

UAE: Cross-border

USA: Domestic

Visa AFT support for MIT

Initial request example

Subsequent request example

Initial request example

Subsequent request example

Perform an AFT for Mastercard

Body parameters

Note

Europe and APAC: Domestic

Europe and APAC: Cross-border

UAE: Domestic

USA: Domestic

Request example

Response example

Information

Information