Account Funding Transactions (AFTs) This page is indended for technical and product teams responsible for implementing Account Funding Transaction (AFT) integrations to ensure compliance.
To comply with recent regulatory changes, all transactions classified as "Funding" must now include additional information, such as sender and receiver details, the AFT type, and other relevant data.
What's changing?
As of 31.01.2025, the parameters described in Compliance Parameters for Account Funding Transactions must be used in all "Funding" transactions.
To initiate an AFT, submit a Register request that includes all the required parameters. The snippet below represents an example.
https:
merchantId=xxxxxx
&token=xxxxxxxxxx
&orderNumber=123456 Show more These parameters must be sent in the Register call .
Parameter Requirement level for AFTs Description customerFirstName Mandatory Sender's first name
Existing parameter
customerLastName Mandatory Sender's last name
Existing parameter
customerTown Mandatory Sender's town/city
Existing parameter
customerCountry Mandatory Sender's country
Existing parameter
customerAddress1 Mandatory Sender's street address
Existing parameter
customerPostcode Optional Sender's postal code
Existing parameter
customerState Conditional Sender's state
New parameter
String (enum, length: 2)
ISO 3166-2 value without the country prefix
Example: For US-CA use CA
Only relevant if sender country is US or Canada.
AftInfo Mandatory AFT specific data
New parameter
Object
Note: Required for all types of Account funding transactions
AftInfo.Type Mandatory Type of the AFT
New parameter
String (enum)
Values:
P2P - Person to person transfers (transferring funds to another individual’s non-merchant account)M2M - Me to Me transfers (both accounts are owned by the same person)AftInfo.Purpose Conditional Purpose of the funding transaction
New parameter
String (enum)
Values:
FAMILY - Family SupportLABOR - Regular Labor Transfers (expatriates)TRAVEL - Travel & TourismEDUCATION - EducationMEDICAL - Hospitalization & Medical TreatmentEMERGENCY - Emergency NeedSAVINGS - SavingsGIFTS - GiftsSALARY - SalaryCROWDLEND - Crowd lendingOTHER - Other
Required for outbound transactions sent into Chile, Columbia, Mexico, India,
Bangladesh, Argentina, and Egypt.
AftInfo.Receiver Mandatory Data about the receiver
New parameter
Object
AftInfo.Receiver.FirstName Mandatory Receiver's first name
New parameter
String (max length: 64)
AftInfo.Receiver.LastName Mandatory Receiver's last name
New parameter
String (max length: 64)
AftInfo.Receiver.Account Mandatory Receiver's account details
New parameter
Object
AftInfo.Receiver.Account.Reference Mandatory The unique reference of the account
New parameter
String (max length: 50)
AftInfo.Receiver.Account.Type Mandatory Specifies the type of the account reference
New parameter
String (enum)
Values:
RTN_BA - Routing and transit number (RTN) + Bank accountIBAN - IBANCARD_ACCOUNT - Card AccountEMAIL - EmailPHONE - Phone numberBAN_BIC - Bank account number (BAN) + Bank identification Code (BIC)WALLET - Wallet IdSOCIAL_NETWORK_ID - Social network IdOTHER - OtherAftInfo.Receiver.Address Optional Receiver's address information
New parameter
Object
AftInfo.Receiver.Address.Country Optional Receiver's country
New parameter
String (enum, length: 2)
Receiver country according to ISO 3166-1 Alpha 2 code.
AftInfo.Receiver.Address.State Optional Receiver's state
New parameter
String (enum, length: 2)
ISO 3166-2 value without the country prefix
Example: For US-CA use CA
Only relevant if receiver country is US or Canada.
AftInfo.Receiver.Address.City Optional Receiver's town/city
New parameter
String (max length: 25)
AftInfo.Receiver.Address.Street Optional Receiver's street address
New parameter
String (max length: 50)
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