Account Funding Transaction

Account Funding Transaction (AFT) is the Funds Transfer API provides functionality to Pull funds from the sender's Visa account.

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Endpoint

Method: POST
URL: http://localhost:4041/rpc/VisaDirectService/AccountFundingTransaction

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Request

Payload Parameters

Parameter	Type	Mandatory	Description
businessId	string	Yes	Identifies the program's business application type for VisaNet transaction processing.
Amount	float	Yes	The transaction amount to be delivered to the recipient.
merchantCategoryCode	integer	No	If provided, overrides the value present in onboarding data.
serviceProcessRequestType	string	No	Request type.
purposeOfPayment	string	Yes	Purpose of the payment.
pointOfServiceData	object	No	Contains transaction condition details.
pointOfServiceData.motoECIIndicator	string	Yes	Identifies the level of security used in an electronic commerce transaction over an open network.
pointOfServiceData.panEntryMode	string	Yes	A 2-digit code identifying the method used to enter the cardholder account number.
pointOfServiceData.posConditionCode	integer	Yes	Identifies transaction conditions at the point of sale or service.
pointOfServiceData.posEnvironment	string	No	Identifies whether the transaction is merchant-initiated.
pointOfServiceData.specialConditionIndicatorMerchant	string	No	Cryptocurrency indicator, value "7" can be used to identify cryptocurrency purchases.
posPanEntryMode	integer	No	Identifies the method used to enter the cardholder account number.
posConditionCode	integer	No	Identifies transaction conditions at the point of sale or service.
posSpecialConditionIndicatorMerchant	string	No	Special condition indicator for merchant.
programId	string	No	ID of the program.
senderPrimaryAccountNumber	string	No	16-digit PAN or token of the sender's account.
senderCardExpiryDate	string	No	Expiration date for the sender's Visa account or token in senderPrimaryAccountNumber.
merchantVerificationValue	object	No	Contains merchant verification values.
merchantVerificationValue.mvvAcquirerAssigned	string	Yes	Visa assists the acquirer in assigning the last four digits.
merchantVerificationValue.mvvVisaAssigned	string	Yes	Visa assigned MVV value.
recipientAccountNumber	string	Yes	Account number of the receiver.
endToEndID	string	Yes	Unique ID for a transaction.
senderCurrencyCode	string	Yes	Currency code of the sender.
senderName	string	No	Name of the sender.
validateResponse	boolean	No	Stores the validated response.
cardToken	string	Yes	Card token containing encrypted card details.

Sample Request

{
    "businessId": "FD",
    "recipientAccountNumber": "4060320000000127",
    "amount": "343434",
    "senderCurrencyCode": "USD",
    "purposeOfPayment": "billing",
    "endToEndID": "343434",
    "cardToken": "cfbedf58cb79ba81ee9aafecad212d5a"
}

Sample Response

{
    "referenceNumber": "e615779ca2a242adb3b3942738de16a3"
}