Account Funding Transactions (AFT's)

Overview

An Account funding Transaction (AFT) is any transaction where a card account is debited to fund another account. The account being funded could be an account held by the cardholder with the merchant (e.g. a trading account, prepaid account or digital wallet) or another person or entity (e.g. money transfer).

Although Acquired.com processes AFT's just like card payments, it's important these transactions are flagged correctly in order to maintain compliance with the card networks such as Visa and Mastercard. Thats why in order to process AFT's you must send us additional data related to the "sender" and "recipient" of the funds.

Sender: The cardholder making the payment to fund another account
Recipient: The owner of the account being funded

To process an AFT, use the /payments endpoint and populate the customer object with the sender data, and the shipping object with the recipient data.

If you have previously created the customer, just pass the customer_id and we will populate the customer object for you.

📘
The shipping object must always be passed, even when the sender and recipient is the same person.

Request:

{
  "transaction": {
    "order_id": "98d93be7-edbf-46cf-9f86-0b801438db6d",
    "amount": "123.00",
    "currency": "gbp",
    "capture": true
  },
  "payment": {
    "card": {
      "holder_name": "my name",
      "number": "4000 01XX XXXX 8710",
      "expiry_month": 12,
      "expiry_year": 25,
      "cvv": "###"
    },
    "create_card": true,
    "reference": "Custom Ref 001"
  },
  "customer": {
    "first_name": "Polly",
    "last_name": "Jerde",
    "dob": "1988-10-03",
    "billing": {
      "address": {
        "line_1": "152 Aldgate Drive",
        "line_2": "",
        "city": "London",
        "state": "",
        "postcode": "E1 7RT",
        "country_code": "GB"
      },
      "email": "[email protected]",
      "phone": {
        "number": "2039826580",
        "country_code": "44"
      }
    },
    "shipping": {
      "first_name": "Yolanda",
      "last_name": "Turner",
      "address": {
        "line_1": "292 London Road",
        "line_2": "",
        "city": "London",
        "state": "",
        "postcode": "W2 8XS",
        "country_code": "GB"
      },
      "email": "[email protected]",
      "phone": {
        "number": "2039826580",
        "country_code": "44"
      }
    }
  }
}

The response is the same as the card payment response.

Overview

📘The shipping object must always be passed, even when the sender and recipient is the same person.

📘
The shipping object must always be passed, even when the sender and recipient is the same person.