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Process an AFT with a Mastercard

Payouts
 uses the authorization service to support AFTs. An AFT withdraws funds from a sender’s account.
You must receive prior approval from
Barclays
 before using the AFT services. Contact
Barclays
 to register with the AFT program.

Endpoint

Set the
ccAuthService_run
 field to
true
.
Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
.

Required Fields for Performing an AFT with Mastercard

These fields are required in a request for an authorization for an AFT:
These are the values when using a Mastercard card type. The
recipientInformation.accountType
 field must align with Business Application Identifier value.
  • AA
    : Account-to-account, sender and recipient are the same person.
    recipientInformation.accountType
     must be either 01, 02, 03 or 06
  • FT
    : Funds transfer where OCT not available. The
    recipientInformation.accountType
     must be either 00, 01, 02, 03 or 06.
  • PD
    : Payroll disbursement. The
    recipientInformation.accountType
     field must be 03.
  • TU
    : Top up - prepaid load. The
    recipientInformation.accountType
     field must be either 01, 02, 03 or 06.
  • WT
    : When AFT is used to fund a staged digital wallet. The
    recipientInformation.accountType
     must be either 00, 01, 02, 03, 06 or absent.
For Mastercard, only these codes are permitted:
  • 00: Other
  • 01: Routing transit number (RTM) and bank account
  • 02: IBAN
  • 03: Card account
  • 06: Bank account number (BAN) and Bank identification number code (BIC)

Optional Fields for Performing an AFT with Mastercard

You can include these optional fields in an authorization request for an AFT:

Simple Order Example: Performing an AFT with Mastercard

Request: Authorization Service for an AFT with Mastercard
Mastercard Example: Consumer funding an account-to-account transfer when the sender and recipient are the same person.
SOAP-ENV:Envelope xmlns:SOAP-ENV="http://schemas.xmlsoap.org/soap/envelope/">
    <SOAP-ENV:Header>
        <wsse:Security xmlns:wsse="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd">
            <wsse:UsernameToken>
                <wsse:Username>en_vdcuruguay_1_ccs</wsse:Username>
                <wsse:Password Type="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-username-token-profile-1.0#PasswordText">ygx8jlKyl6nZlY67dH4kKo4VZm6T9j3wV2WNA1j+44NoCkFlrJFFkklShtTCSAKG5xCbiFPZJwvuNlEO9zokZUhOOYNvYcKza+XT+O2ZlYhJ6EfkCsmAuVtHqpCXfIVoTOszxh64maLeO5fX0+FoVRuduB+83X0+82iQP2B0ObYPykL2MPZtlFcz4JmM9JAJGYqvo2llkZHPrQrkhoDddKBs5gcWZwZ/VugdvYmdTLZg3f2afiAc8DlTUQ7lwqck5wkVgitkBSJe3ZuhviPTE8zRL31pI+MP4AmV5ujuR+SAHtGFew9rWye9OKpig5mKgMDA+3r0vUbbGiaWbfo1mA==</wsse:Password>
            </wsse:UsernameToken>
        </wsse:Security>
    </SOAP-ENV:Header>
    <SOAP-ENV:Body>
<?xml version="1.0" encoding="utf-8"?>
<requestMessage
    xmlns="urn:schemas-cybersource-com:transaction-data-_1.207_">
    <merchantReferenceCode>your_merchant_reference_code</merchantReferenceCode>
    <businessRules>
        <ignoreAVSResult>true</ignoreAVSResult>
        <ignoreCVResult>false</ignoreCVResult>
    </businessRules>
    <billTo>
        <firstName>Joe</firstName>
        <middleName>S</middleName>
        <lastName>Root</lastName>
        <street1>34 Orchard Grove</street1>
        <city>Southampton</city>
        <postalCode>DE6 1BE</postalCode>
        <country>GB</country>
        <email>[email protected]</email>
    </billTo>
    <recipient>
        <accountID>4929421234600821</accountID>
        <accountType>03</accountType>
        <firstName>Ben</firstName>
        <middleName>A</middleName>
        <lastName>Stokes</lastName>
        <address>1 High Street</address>
        <country>GB</country>
    </recipient>
    <sender>
        <firstName>Joe</firstName>
        <middleName>S</middleName>
        <lastName>Root</lastName>
        <address>34 Orchard Grove</address>
        <city>Southampton</city>
        <country>GB</country>
    </sender>   
    <purchaseTotals>
        <currency>GBP</currency>
        <grandTotalAmount>20.00</grandTotalAmount>
    </purchaseTotals>
    <card>
        <accountNumber>5454545454545454</accountNumber>
        <expirationMonth>03</expirationMonth>
        <expirationYear>2025</expirationYear>
        <cardType>002</cardType>
        <cvNumber>351</cvNumber>
    </card>
    <ccAuthService run="true">
        <paresStatus>Y</paresStatus>
        <commerceIndicator>spa</commerceIndicator>
    </ccAuthService>
    <ucaf>
        <authenticationData>EHuWW9PiBkWvqE5juRwDzAUFBAk=</authenticationData>
        <collectionIndicator>2</collectionIndicator>
    </ucaf>
    <invoiceHeader>
        <businessApplicationID>AA</businessApplicationID>
    </invoiceHeader>
    <aft>
        <indicator>true</indicator>
    </aft>
    <ccCaptureService run="true">
    </ccCaptureService>
</requestMessage>
</SOAP-ENV:Body>
</SOAP-ENV:Envelope>
Response: Authorization Service for an AFT with Mastercard
<?xml version="1.0" encoding="utf-8"?>
<soap:Envelope xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/">
    <soap:Header>
        <wsse:Security xmlns:wsse="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd" xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/" xmlns:wsu="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-utility-1.0.xsd">
            <wsu:Timestamp wsu:Id="TS-6cf9b37e-72df-4a5d-bc6e-d091ce9bb8a4">
                <wsu:Created>2024-06-26T05:21:10.390Z</wsu:Created>
            </wsu:Timestamp>
        </wsse:Security>
    </soap:Header>
    <soap:Body>
        <c:replyMessage xmlns:c="urn:schemas-cybersource-com:transaction-data-1.221">
            <c:merchantReferenceCode>TC55255-1</c:merchantReferenceCode>
            <c:requestID>7193792686247001309916</c:requestID>
            <c:decision>ACCEPT</c:decision>
            <c:reasonCode>100</c:reasonCode>
            <c:requestToken>Axj/7wSThfntrctjncLcAHgs3YuWbdyybOGzJo3YMGLNg5csWybWNLQsAAU2saWhYBpA6cQQUYZNv/sXFU8Q64E5OF+e2ty2OdwtwAAA5xPu</c:requestToken>
            <c:purchaseTotals>
                <c:currency>USD</c:currency>
            </c:purchaseTotals>
            <c:ccAuthReply>
                <c:reasonCode>100</c:reasonCode>
                <c:amount>100.00</c:amount>
                <c:authorizationCode>831000</c:authorizationCode>
                <c:avsCode>Y</c:avsCode>
                <c:avsCodeRaw>Y</c:avsCodeRaw>
                <c:cvCode>M</c:cvCode>
                <c:cvCodeRaw>M</c:cvCodeRaw>
                <c:authorizedDateTime>2024-06-26T05:21:10Z</c:authorizedDateTime>
                <c:processorResponse>00</c:processorResponse>
                <c:reconciliationID>7193792686247001309916</c:reconciliationID>
                <c:merchantAdviceCode>01</c:merchantAdviceCode>
                <c:merchantAdviceCodeRaw>M001</c:merchantAdviceCodeRaw>
                <c:cavvResponseCode>2</c:cavvResponseCode>
                <c:cavvResponseCodeRaw>2</c:cavvResponseCodeRaw>
                <c:paymentNetworkTransactionID>016153570198200</c:paymentNetworkTransactionID>
                <c:reconciliationReferenceNumber>417805815972</c:reconciliationReferenceNumber>
            </c:ccAuthReply>
            <c:receiptNumber>815972</c:receiptNumber>
            <c:additionalData>ABC</c:additionalData>
            <c:card>
                <c:cardType>002</c:cardType>
            </c:card>
            <c:reserved>
                <ics_message xmlns="urn:schemas-cybersource-com:transaction-data:ics">
                    <ics_decision_reason_code>100</ics_decision_reason_code>
                    <auth_payment_network_transaction_id>016153570198200</auth_payment_network_transaction_id>
                    <auth_rcode>1</auth_rcode>
                    <receipt_number>815972</receipt_number>
                    <ics_return_code>1000000</ics_return_code>
                    <auth_merchant_advice_code>01</auth_merchant_advice_code>
                    <ics_rcode>1</ics_rcode>
                    <auth_cavv_response_code>2</auth_cavv_response_code>
                    <auth_auth_response>00</auth_auth_response>
                    <auth_rmsg>Request was processed successfully.</auth_rmsg>
                    <merchant_ref_number>TC55255-1</merchant_ref_number>
                    <auth_merchant_advice_code_raw>M001</auth_merchant_advice_code_raw>
                    <currency>USD</currency>
                    <auth_auth_code>831000</auth_auth_code>
                    <auth_auth_amount>100.00</auth_auth_amount>
                    <auth_cv_result_raw>M</auth_cv_result_raw>
                    <auth_fee_program_indicator>123</auth_fee_program_indicator>
                    <card_type>001</card_type>
                    <auth_additional_token_response_information>0</auth_additional_token_response_information>
                    <ics_rmsg>Request was processed successfully.</ics_rmsg>
                    <auth_trans_ref_no>7193792686247001309916</auth_trans_ref_no>
                    <request_id>7193792686247001309916</request_id>
                    <auth.reason_code>100</auth.reason_code>
                    <auth_cavv_response_code_raw>2</auth_cavv_response_code_raw>
                    <auth_auth_time>2024-06-26T052110Z</auth_auth_time>
                    <auth_rflag>SOK</auth_rflag>
                    <auth_cv_result>M</auth_cv_result>
                    <auth_return_code>1010000</auth_return_code>
                    <auth_avs_raw>Y</auth_avs_raw>
                    <ics_rflag>SOK</ics_rflag>
                    <auth_reconciliation_reference_number>417805815972</auth_reconciliation_reference_number>
                    <auth_auth_avs>Y</auth_auth_avs>
                    <request_token>Axj/7wSThfntrctjncLcAHgs3YuWbdyybOGzJo3YMGLNg5csWybWNLQsAAU2saWhYBpA6cQQUYZNv/sXFU8Q64E5OF+e2ty2OdwtwAAA5xPu</request_token>
                    <additional_data>ABC</additional_data>
                </ics_message>
            </c:reserved>
            <c:additionalToken>
                <c:responseInformation>0</c:responseInformation>
            </c:additionalToken>
        </c:replyMessage>
    </soap:Body>
</soap:Envelope>
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