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Overview

An Account Funding Transaction (AFT), also known as a ‘funding transaction’ pulls funds from a card and deposits or transfers those funds into another account.

The primary use cases for AFTs are:

Funding an account owned by the same person; for example, topping up a pre-paid card or adding funds to a digital wallet account.
Funding an account owned by a different person; for example, P2P payments or pulling funds from a merchant’s card account for disbursing payroll to its employees.

The sender is the entity owning the card from which funds are pulled. The recipient is the entity receiving the funds from the AFT.

Merchants can implement AFTs using Nuvei’s server-to-server REST API, Web SDK, and Cashier integration methods.

Availability

Visa and Mastercard cards in EU, US, and Canada.
AFT-enabled merchants only.
Domestic transactions and, in selected markets, cross-border transactions (subject to approval by Visa and Mastercard per country).
Works with Sale and Auth & Settle flows.

Prerequisites

AFTs are relevant only for merchants offering funding transactions. To begin using AFTs, contact Nuvei to configure your merchant account to use this transaction type. After your account is configured, Nuvei converts your standard transactions into AFTs; however, some modifications are required to provide additional sender and recipient information.

REST API 2.0 Implementation

This topic describes the steps to integrate AFTs into the standard server-to-server REST API 2.0 payment flow.

Perform the Payment step.

There are two possible flows for a /payments request: 3DS or non-3DS.

As with standard transactions, AFTs fall under Strong Customer Authentication (SCA) requirements, and thus share 3DS authentication requirements.

In the relevant /payments request, the following sender and recipient details are conditionally required.

Sender Data

The merchant should include the following sender data.

Parameter	Description	Required for:
`buyerDetails.firstName`	Sender's first name	Non-domestic and Europe intra-EEA AFTs.
`buyerDetails.lastName`	Sender's last name	Non-domestic and Europe intra-EEA AFTs.
`buyerDetails.billingAddress.address`	Street address	Non-domestic and Europe intra-EEA AFTs.
`buyerDetails.billingAddress.city`	Sender’s city	Non-domestic and Europe intra-EEA AFTs.
`buyerDetails.billingAddress.state`	State (required for US/Canada) See: Country Subdivision Codes	Non-domestic AFTs to/from any one of the countries on the list. See: Country Codes.
`buyerDetails.billingAddress.countryCode`	Country code See: 2-letter ISO country code	Required on non-domestic AFTs.
`buyerDetails.dateOfBirth`	Sender's date of birth	Non-domestic money transfer AFTs. If you are not sure whether an AFT is a money transfer AFT, contact your Nuvei Account Manager.
`buyerDetails.identificationType`	Type of identification provided for the sender (e.g., Passport, National ID, Tax ID).	- Transactions out of and within Brazil - Domestic and cross-border transactions in Nicaragua. - Domestic transactions in Ukraine. - Domestic transactions in Colombia.
`buyerDetails.identificationValue`	The actual value of the identification (e.g., passport number, ID number). For identificationValue when identificationType = Date of Birth, the format is ccyymmdd. cc = century yyyy = year mm = month dd = day	- Transactions out of and within Brazil - Domestic and cross-border transactions in Nicaragua. - Domestic transactions in Ukraine. - Domestic transactions in Colombia.
`buyerDetails.cardHolderEntityType`	Indicates if the sender is an individual or a business. Values: b = Business, i = Individual	All AFTs.
`buyerDetails.billingAddress.street`	Street name.	All AFTs.

Recipient Data

The merchant should include the following recipient data.

Parameter	Description	Required for:
`recipientDetails.firstName`	Recipient's first name	All AFTs
`recipientDetails.middleName`	Recipient's middle name	1. Cross-border money and non-money transfer transactions out of South Africa 2. Domestic transactions in Colombia 3. Domestic and cross-border transactions in Nicaragua
`recipientDetails.lastName`	Recipient's last name	All AFTs
`recipientDetails.accountReference`	Reference to recipient’s account	1. Cross-border Money Transfer AFTs. 2. Europe Domestic Money Transfer AFTs. 3. Intra-EEA cross-border.
`recipientDetails.phone`	Recipient’s phone number
`recipientDetails.email`	Recipient’s email address
`recipientDetails.addressDetails.address`	Recipient's address	1. Cross-border AFTs into and out of Canada 2. Domestic AFTs in Colombia 3. Domestic and cross-border AFTs in Nicaragua 4.Cross-border AFTs sent to issuers in Australia, New Zealand and the South Pacific
`recipientDetails.addressDetails.addressLine2`	Recipient's addressLine2	1. Cross-border money and non-money transfer transactions into and out of Canada 2. Domestic transactions in Colombia 3. Domestic and cross-border transactions in Nicaragua
`recipientDetails .addressDetails.street`	Street address	All AFTs
`recipientDetails.addressDetails.zip`	ZIP/postal code	Cross-border AFTs originating from or destined to Canada
`recipientDetails .addressDetails.city`	City	1. Cross-border AFTs originating from or destined to Canada 2. Domestic AFTs in Colombia 3. Domestic and cross-border AFTs in Nicaragua
`recipientDetails.addressDetails.state`	State	All AFTs where recipient country is US or Canada
`recipientDetails.addressDetails.countryCode`	Country code	1. Cross border AFTs 2. Domestic AFTs in Colombia 3. Domestic and cross-border AFTs in Nicaragua
`recipientDetails.cardHolderEntityType`	Indicates if the recipient is an individual or a business. Values: b = Business, i = Individual	All AFTs.
`recipientDetails.identificationType`	Type of identification provided for the recipient (e.g., Passport, National ID, Tax ID).	- Transactions out of and within Brazil. - Domestic and cross-border transactions in Nicaragua. - Domestic transactions in Ukraine. - Domestic transactions in Colombia.
`recipientDetails.identificationValue`	The actual value of the identification (e.g., passport number, ID number).	- Transactions out of and within Brazil. - Domestic and cross-border transactions in Nicaragua. - Domestic transactions in Ukraine. - Domestic transactions in Colombia.

Flows

Select the relevant flow:

3DS REST 2.0 – Contains the ‘first’ /payment request.

Non-3DS REST 2.0 – Without liability shift.

The /payments response contains:

isAft Transaction – Indicates whether the transaction is processed as a Sale (false) or as an AFT transaction (true).

isAftOverriden

- true – Merchant can submit Sales and AFT transactions.

- false – Merchant can only submit AFT transactions.

Settle and refund responses also contain the isAft Transaction and isAftOverriden parameters to indicate whether the original payment transaction is processed as a Sale or as an AFT transaction.

Web SDK Implementation

To integrate AFTs using Web SDK, perform the steps for the relevant Web SDK flow. See Getting Started with Web SDK 2.0 – Nuvei Documentation.

Include the recipientDetails class and its parameters in the server-side /order API request as described in the table in REST API Implementation.
For non-domestic AFTs – In the payment() request, include sender data as described in the table in REST API Implementation.

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Account Funding Transactions