Funds transfer

An Account Funding Transaction (AFT) is a type of card transaction used to transfer funds from a cardholder's payment card (like a Visa or Mastercard debit or credit card) to another account, such as a bank account, digital wallet, or another card, rather than to pay for goods or services.

Typical AFT Scenarios

• Transfer between the same user’s own accounts (“me-to-me”).
• Loading funds into digital or stored value wallets.
• Adding funds to prepaid cards for personal or third-party use.
• Person-to-person (P2P) card-based money transfers.
• Business disbursements such as payroll or invoice payment.

Implementation Considerations

The API allows passing funds transfer data for Visa, Mastercard and Maestro payment methods.

The supported funds transfer types include:

Funds transfer type	Description
purchase_crypto	Purchase of cryptocurrencies using card funds.
purchase_high_risk_securities	Purchase of high-risk securities such as certain stocks or derivatives.
purchase_liquid_assets	Purchase of liquid financial assets like bonds or mutual funds.
wallet_crypto	Loading funds into a cryptocurrency wallet.
wallet_high_risk_securities	Loading funds into a wallet for high-risk securities.
wallet_liquid_assets	Loading funds into a wallet for liquid assets.
wallet_stored_value	Loading funds into a stored value wallet (e.g., gift cards).
wallet_staged	Loading funds into a staged wallet for later use.
own_account	Transfer between the user's own accounts (“me-to-me”).
own_prepaid_card	Adding funds to the user's own prepaid card.

It is mandatory to provide sender information along with the recipient of the funds.

Restrictions

• It is not allowed to process funds transfer when the sender country is not the same as the merchant country.

• If the transaction is a cross-border transfer, additional validations and restrictions may apply. It is considered cross-border transaction when the card issuer country is different from the merchant country.

Sample request

{
    "processingAccountId": "ProcessingAccountId",
    "merchantReference": "merchantReference",
    "amount": {
        "value": 10,
        "currency": "eur"
    },
    "paymentMethod": {
        "type": "visa",
        "visa": {
            "account": {
                "number": "card_number",
                "expiryMonth": 1,
                "expiryYear": 2030,
                "cvv": "card_cvv"
            },
            "fundsTransfer":{
                "type": "purchase_crypto",
                "sender":{
                    "name": "john",
                    "surname": "doe",
                    "address":{
                        "country": "de",
                    }
                },
                "recipient":{
                    "account":{
                        "type": "wallet",
                        "wallet":{
                            "reference": "12323434sdsds"
                        }
                    }
                }
            }
        }
    }
}