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Process an AFT with a Visa Card

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 Visa

These fields are required in a request for an authorization for an AFT:
These are the values when using a Visa card type:
  • AA
    : Account-to-account, sender and recipient are the same person
  • FT
    : Funds transfer where OCT not available
  • TU
    : Top up - prepaid load
  • WT
    : When AFT is used to fund a staged digital wallet
Required for all cross-border money and non-money transfer transactions into and out of Canada.
Also required for cross-border AFTs into Australia, New Zealand, and the South Pacific.
recipient_city
Required for all cross-border money and non-money transfer transactions into and out of Canada.
recipient_postalCode
Required for all cross-border money and non-money transfer transactions into and out of Canada.
recipient_state
Required for all cross-border money and non-money transfer transactions into and out of Canada.
sender_dateOfBirth
Required for all cross-border money transfer AFTs.
Required with Visa when transactions are in the US or Canada. Field is optional for countries outside of the US and Canada.

Optional Fields for Performing an AFT with Visa

You can include these optional fields in an authorization request for an AFT:
Set this field to
internet
,
MOTO
, or a 3D-Secure value.
sender_city

Simple Order Example: Performing an AFT with Visa

Request: Authorization Service for an AFT with Visa
Visa 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>
        <firstName>Ben</firstName>
        <middleName>A</middleName>
        <lastName>Stokes</lastName>
    </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>4111111111111111</accountNumber>
        <expirationMonth>03</expirationMonth>
        <expirationYear>2025</expirationYear>
        <cardType>001</cardType>
        <cvNumber>351</cvNumber>
    </card>
    <ccAuthService run="true">
        <cavv>EHuWW9PiBkWvqE5juRwDzAUFBAk=</cavv>
        <paresStatus>Y</paresStatus>
        <commerceIndicator>vbv</commerceIndicator>
    </ccAuthService>
    <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 Visa
{
  "_links": {
    "void": {
      "method": "POST",
      "href": "/pts/v2/payments/7285727331066440604951/voids"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/7285727331066440604951"
    }
  },
  "clientReferenceInformation": {
    "code": "RTS-AFT3-8"
  },
  "id": "7285727331066440604951",
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "28.00",
      "authorizedAmount": "28.00",
      "currency": "GBP"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "pointOfSaleInformation": {
    "terminalId": "90011645"
  },
  "processorInformation": {
    "merchantNumber": "6637599",
    "approvalCode": "475034",
    "cardVerification": {
      "resultCodeRaw": "1",
      "resultCode": "P"
    },
    "merchantAdvice": {
      "code": "00",
      "codeRaw": "0"
    },
    "networkTransactionId": "000000000474740",
    "transactionId": "000000000474740",
    "responseCode": "0",
    "avs": {
      "code": "I",
      "codeRaw": "11"
    }
  },
  "reconciliationId": "7024464528",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2024-10-10T15:05:35Z"
}
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