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 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.

Implementation Considerations

The API allows passing funds transfer data through the fundsTransfer object of the Mastercard and Maestro payment methods. The transaction is flagged as a funds transfer only when this object is present.

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”).

In the supported use cases the sender and the recipient are the same person (for example, a customer loading their own crypto or investment wallet).

Funds transfer type and MCC

Card schemes only allow a given funds transfer type for a specific set of Merchant Category Codes (MCC). If the merchant MCC is not compatible with the requested type, the transaction is rejected.

Allowed MCCs per type:

Funds transfer type	Mastercard / Maestro MCCs
purchase_crypto	6051
purchase_high_risk_securities	6211
purchase_liquid_assets	6211, 4829
wallet_crypto	6051
wallet_high_risk_securities	6211
wallet_liquid_assets	6211, 4829
wallet_stored_value	4829
wallet_staged	6540
own_account	4829

For Mastercard and Maestro, the MCCs 4829, 6538 and 6540 require a funds transfer: a payment with one of these MCCs and no fundsTransfer object is rejected.

Field requirements

Sender and recipient information is mandatory. The following constraints apply:

Field	Required	Constraints
`fundsTransfer.type`	Yes	One of the supported types above.
`sender.name`	Yes	Max length 35.
`sender.surname`	Yes	Max length 35.
`sender.address`	Yes
`sender.address.country`	Yes	Valid ISO 3166-1 alpha-2 code.
`sender.address.state`	Yes for `us` and `ca`; must be omitted for countries without states	Must be a valid subdivision of `country`.
`sender.address.city`	No	Max length 255.
`sender.address.street`	No	Max length 255.
`sender.address.houseNumber`	No	Max length 10.
`sender.address.postalCode`	No	Max length 10.
`recipient.account.type`	Yes	Only `wallet` is supported.
`recipient.account.wallet.reference`	Yes	Max length 50.

The amount.value must be greater than 0 for a funds transfer.

Domestic vs cross-border

A funds transfer is domestic when the card issuer country is the same as the merchant country, and cross-border when they differ. The issuer country is taken from the card BIN details and, when not available, falls back to sender.address.country.

Cross-border funds transfers are supported.

Sample request

{
    "processingAccountId": "ProcessingAccountId",
    "merchantReference": "merchantReference",
    "amount": {
        "value": 10,
        "currency": "eur"
    },
    "paymentMethod": {
        "type": "mastercard",
        "mastercard": {
            "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"
                        }
                    }
                }
            }
        }
    }
}

Typical AFT Scenarios​

Implementation Considerations​

Funds transfer type and MCC​

Field requirements​

Domestic vs cross-border​

Sample request​