Skip to content
Payments / Manage payments / Account Funding Transactions

Account Funding Transactions

Last updated: 14th July 2022

The Unified Payments API can be used to perform Account Funding Transactions (AFTs). AFTs are a type of pull payment used primarily to fund a wallet.

AFTs are supported by Mastercard and Visa, but whether just one or both card schemes are available depends on the region. Contact your Customer Success Manager for more details.

To start using this feature, please contact your Customer Success Manager.

Use the details below to set up your request.

Endpoints

For the full API specification, see the API reference.

    post

    https://api.checkout.com/payments

    Request example

    1
    2
    3
    4
    5
    6
    7
    8
    9
    10
    11
    12
    13
    14
    15
    16
    17
    {
      "source": {
        "type": "token",
        "token": "tok_4gzeau5o2uqubbk6fufs3m7p54"
      },
      "amount": 100,
      "currency": "USD",
      "processing": {
        "aft": true
      },
      "recipient": {
        "first_name": "John",
        "last_name": "Smith",
        "account_number": "5555555555554444",
        "country": "GB"
      }
    }

    Response example

    Use the approved field to check whether or not the authorization was successful ("approved": true). If your authorization was not successful, it's possible the payment used an invalid/expired card, or a valid card with an insufficient available balance.

    If you received a 202 response, the payment requires a redirect. For example, if the payment is 3D Secure.

    The following pages can help you understand the response message:

    The possible values for the status field include Authorized, Captured, Card Verified, Declined, and Pending. Note that Pending only applies to 3D Secure payments.

    1
    2
    3
    4
    5
    6
    7
    8
    9
    10
    11
    12
    13
    14
    15
    16
    17
    18
    19
    20
    21
    22
    23
    24
    25
    26
    27
    28
    29
    30
    31
    32
    33
    34
    35
    36
    37
    38
    39
    40
    41
    42
    43
    44
    45
    46
    47
    48
    49
    50
    51
    52
    53
    {
      "id": "pay_mbabizu24mvu3mela5njyhpit4",
      "action_id": "act_mbabizu24mvu3mela5njyhpit4",
      "amount": 6500,
      "currency": "USD",
      "approved": true,
      "status": "Authorized",
      "auth_code": "770687",
      "eci": "05",
      "scheme_id": "638284745624527",
      "response_code": "10000",
      "response_summary": "Approved",
      "risk": {
        "flagged": false
      },
      "source": {
        "id": "src_nwd3m4in3hkuddfpjsaevunhdy",
        "type": "card",
        "expiry_month": 9,
        "expiry_year": 2022,
        "scheme": "Visa",
        "last4": "4242",
        "fingerprint": "F31828E2BDABAE63EB694903825CDD36041CC6ED461440B81415895855502832",
        "bin": "424242",
        "card_type": "Credit",
        "card_category": "Consumer",
        "issuer": "JPMORGAN CHASE BANK NA",
        "issuer_country": "US",
        "product_id": "A",
        "product_type": "Visa Traditional",
        "avs_check": "S",
        "cvv_check": ""
      },
      "customer": {
        "id": "cus_udst2tfldj6upmye2reztkmm4i"
      },
      "processed_on": "2019-01-25T11:03:36Z",
      "reference": "ORD-5023-4E89",
      "_links": {
        "self": {
          "href": "https://api.sandbox.checkout.com/payments/pay_mbabizu24mvu3mela5njyhpit4"
        },
        "actions": {
          "href": "https://api.sandbox.checkout.com/payments/pay_mbabizu24mvu3mela5njyhpit4/actions"
        },
        "capture": {
          "href": "https://api.sandbox.checkout.com/payments/pay_mbabizu24mvu3mela5njyhpit4/captures"
        },
        "void": {
          "href": "https://api.sandbox.checkout.com/payments/pay_mbabizu24mvu3mela5njyhpit4/voids"
        }
      }
    }

    Possibly fraudulent authorization requests return the message risk.flagged: true to show that the payment has been flagged.