Account funding

Use Account Funding Transactions (AFT) to let customers load a wallet, prepaid card or investment account with their card.

An Account Funding Transaction (AFT) charges your customer's Visa or Mastercard card to load funds into another account. Your customer starts the payment in your service, and the transaction is sent to the card scheme as a dedicated AFT message instead of a regular purchase.

Typical uses:

Topping up a digital wallet or prepaid card.
Card-to-card transfers.
Funding a brokerage or investment account.

Card schemes require AFTs for specific Merchant Category Codes (MCC), and the required data can differ per MCC.

Activation required

Your account must be enabled and registered for AFTs. Without that, AFT requests can be rejected. Whether AFTs apply to your business depends on your Merchant Category Code.

Create an AFT

Create an order with a credit-card transaction, add the receiver of the funds in payment_method_details, and send a complete billing address:

curl https://api.ecom.adunopay.ch/v1/orders/ \
  --user "$API_KEY:" \
  --header "Content-Type: application/json" \
  --data '{
    "currency": "EUR",
    "amount": 5000,
    "merchant_order_id": "TOPUP-001",
    "description": "Wallet top-up",
    "return_url": "https://www.example.com/order/TOPUP-001",
    "transactions": [
      {
        "payment_method": "credit-card",
        "payment_method_details": {
          "receiver_account_number": "123456",
          "receiver_account_number_type": "card-account"
        }
      }
    ],
    "customer": {
      "first_name": "John",
      "last_name": "Doe",
      "address_type": "billing",
      "address": "Damrak 1",
      "postal_code": "1012 LG",
      "city": "Amsterdam",
      "country": "NL"
    }
  }'

The transaction in the response has transaction_type set to aft. From here, the payment continues like any other card payment, with the hosted payment page or in your own checkout.

Receiver details

Identify the account that receives the funds with receiver_account_number and receiver_account_number_type in the transaction's payment_method_details, as in the example above. See Create an order in the API reference for all types of account numbers.

Send the details on the order

When you don't create a transaction and your customer picks the payment method on the hosted payment page, send the receiver details in the payment_method_details of the order instead:

{
  "currency": "EUR",
  "amount": 5000,
  "merchant_order_id": "TOPUP-001",
  "payment_methods": ["credit-card", "apple-pay", "google-pay"],
  "payment_method_details": {
    "receiver_account_number": "123456",
    "receiver_account_number_type": "card-account"
  }
}

Send the customer with the billing address as in the first example. Every transaction of the order gets these details, whether your customer pays by card, Apple Pay or Google Pay. A field you also send in the payment_method_details of a transaction overrides the one of the order.

The payment_method_details of an order only accepts receiver_account_number, receiver_account_number_type, sender_account_number and sender_account_number_type. The order shows the account numbers masked, with the first half of the characters replaced by *, such as ***456.

Payment links

To collect an AFT with a payment link, send the receiver details in the payment_method_details of the link, and a complete billing address in the customer:

curl https://api.ecom.adunopay.ch/v1/paymentlinks/ \
  --user "$API_KEY:" \
  --header "Content-Type: application/json" \
  --data '{
    "merchant_order_id": "TOPUP-001",
    "amount": 5000,
    "currency": "EUR",
    "description": "Wallet top-up",
    "payment_methods": ["credit-card", "apple-pay", "google-pay"],
    "return_url": "https://www.example.com/order/TOPUP-001",
    "payment_method_details": {
      "receiver_account_number": "123456",
      "receiver_account_number_type": "card-account"
    },
    "customer": {
      "first_name": "John",
      "last_name": "Doe",
      "address_type": "billing",
      "address": "Damrak 1",
      "postal_code": "1012 LG",
      "city": "Amsterdam",
      "country": "NL"
    }
  }'

Every order created from the link gets these details, as described in Send the details on the order. The link shows the account numbers masked, like the order.

Billing address

AFTs require a complete billing address in the customer object. Send at least first_name, last_name, address_type set to billing, address, postal_code, city and country. When country is US or CA, also send the state.

State codes

Use one of these values for state:

Country	Allowed values
Canada (`CA`)	`AB` `BC` `MB` `NB` `NL` `NS` `NT` `NU` `ON` `PE` `QC` `SK` `YT`
United States (`US`)	`AA` `AE` `AK` `AL` `AP` `AR` `AZ` `CA` `CO` `CT` `DC` `DE` `FL` `GA` `HI` `IA` `ID` `IL` `IN` `KS` `KY` `LA` `MA` `MD` `ME` `MI` `MN` `MO` `MS` `MT` `NC` `ND` `NE` `NH` `NJ` `NM` `NV` `NY` `OH` `OK` `OR` `PA` `RI` `SC` `SD` `TN` `TX` `UT` `VA` `VT` `WA` `WI` `WV` `WY`

Authorize first, capture later

AFTs support pre-authorizations. Set capture_mode to manual or delayed on the transaction:

{
  "transactions": [
    {
      "payment_method": "credit-card",
      "capture_mode": "manual",
      "payment_method_details": {
        "receiver_account_number": "123456",
        "receiver_account_number_type": "card-account"
      }
    }
  ]
}

The rest of the request is the same as above. Once the AFT is authorized, use the standard endpoints to capture or void it, in full or in part.

Create an AFTCopy Anchor Link

Receiver detailsCopy Anchor Link

Send the details on the orderCopy Anchor Link

Payment linksCopy Anchor Link

Billing addressCopy Anchor Link

State codesCopy Anchor Link

Authorize first, capture laterCopy Anchor Link