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Process an AFT with a Mastercard

Payouts uses the authorization service to support AFTs. An AFT withdraws funds from a sender’s account.

IMPORTANT

You must receive prior approval from

Barclays

before using the AFT services. Contact

Barclays

to register with the AFT program.

Endpoint

Production:

POST https://api.smartpayfuse.barclaycard/pts/v2/payments

Test:

POST https://api.smartpayfuse-test.barclaycard/pts/v2/payments

Required Fields for Performing an AFT with Mastercard

These fields are required in a request for an authorization for an AFT:

clientReferenceInformation.code
orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
orderInformation.billTo.address1
orderInformation.billTo.country
orderInformation.billTo.firstName
orderInformation.billTo.lastName
orderInformation.billTo.locality
orderInformation.billTo.postalCode
paymentInformation.card.expirationMonth
paymentInformation.card.expirationYear
paymentInformation.card.number
paymentInformation.card.securityCode
paymentInformation.card.type
processingInformation.authorizationOptions.aftIndicator: Set to
true
.
processingInformation.businessApplicationId: These are the values when using a Mastercard card type. The
recipientInformation.accountType
field must align with Business Application Identifier value.

AA
: Account-to-account, sender and recipient are the same person.
recipientInformation.accountType
must be either 01, 02, 03 or 06
FT
: Funds transfer where OCT not available. The
recipientInformation.accountType
must be either 00, 01, 02, 03 or 06.
PD
: Payroll disbursement. The
recipientInformation.accountType
field must be 03.
TU
: Top up - prepaid load. The
recipientInformation.accountType
field must be either 01, 02, 03 or 06.
WT
: When AFT is used to fund a staged digital wallet. The
recipientInformation.accountType
must be either 00, 01, 02, 03, 06 or absent.
recipientInformation.accountId
recipientInformation.accountType: Only these codes are permitted with Mastercard:

00: Other
01: Routing transit number (RTM) and bank account
02: IBAN
03: Card account
06: Bank account number (BAN) and Bank identification number code (BIC)
recipientInformation.address1
recipientInformation.country
recipientInformation.firstName
senderInformation.address1
senderInformation.firstName
senderInformation.lastName

Related Information

REST API Field Reference Guide

Optional Fields for Performing an AFT with Mastercard

You can include these optional fields in an authorization request for an AFT:

orderInformation.amountDetails.foreignExchangeFee: This field is supported only for cross-border transactions. A cross-border transaction is a transaction for which the payment card is issued in one country and accepted by a merchant in another country.
orderInformation.amountDetails.serviceFeeAmount: This field is supported only for cross-border transactions. A cross-border transaction is a transaction for which the payment card is issued in one country and accepted by a merchant in another country.
orderInformation.billTo.locality
processingInformation.commerceIndicator: Set this field to
internet
,
MOTO
, or a 3D-Secure value.
recipientInformation.lastName
recipientInformation.middleName
senderInformation.locality
senderInformation.middleName

REST Example: Performing an AFT with Mastercard

Request: Authorization Service for an AFT with Mastercard

Mastercard Example: Consumer funding an account-to-account transfer when the sender and recipient are the same person.

{
  "clientReferenceInformation": {
    "code": "RTS-AFT3-8"
  },
  "processingInformation": {
    "capture": true,
    "businessApplicationId": "AA",
    "commerceIndicator": "spa",
    "authorizationOptions": {
      "ignoreAvsResult": true,
      "ignoreCvResult": false,
      "aftIndicator": true
    }
  },
  "paymentInformation": {
    "card": {
      "number": "5454545454545454",
      "expirationMonth": "03",
      "expirationYear": "2025",
      "type": "002",
      "securityCode": "351"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "28.00",
      "currency": "GBP"
    },
    "billTo": {
      "firstName": "Joe",
      "lastName": "Root",
      "middleName": "S",
      "address1": "34 Orchard Grove",
      "locality": "Southampton",
      "postalCode": "DE6 1BE",
      "country": "GB",
      "email": "test@cybs.com"
    }
  },
  "senderInformation": {
    "firstName": "Joe",
    "lastName": "Root",
    "middleName": "S",
    "address1": "34 Orchard Grove",
    "locality": "Southampton",
    "countryCode": "GB"
  },
  "recipientInformation": {
    "accountId": "4929421234600821",
    "accountType": "03",
    "firstName": "Ben",
    "lastName": "Stokes",
    "middleName": "A",
    "address1": "1 High Street",
    "country": "GB"
  },
    "consumerAuthenticationInformation": {
    "ucafAuthenticationData": "EHuWW9PiBkWvqE5juRwDzAUFBAk=",
    "ucafCollectionIndicator": "2"
  }
}

Response: Authorization Service for an AFT with Mastercard

{
  "_links": {
    "void": {
      "method": "POST",
      "href": "/pts/v2/payments/7285727331066440604951/voids"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/7285727331066440604951"
    }
  },
  "clientReferenceInformation": {
    "code": "RTS-AFT3-8"
  },
  "id": "7285727331066440604951",
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "28.00",
      "authorizedAmount": "28.00",
      "currency": "GBP"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "002"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "002"
    },
    "card": {
      "type": "002"
    }
  },
  "pointOfSaleInformation": {
    "terminalId": "90011645"
  },
  "processorInformation": {
    "merchantNumber": "6637599",
    "approvalCode": "475034",
    "cardVerification": {
      "resultCodeRaw": "1",
      "resultCode": "P"
    },
    "merchantAdvice": {
      "code": "00",
      "codeRaw": "0"
    },
    "networkTransactionId": "000000000474740",
    "transactionId": "000000000474740",
    "responseCode": "0",
    "avs": {
      "code": "I",
      "codeRaw": "11"
    }
  },
  "reconciliationId": "7024464528",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2024-10-10T15:05:35Z"
}