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Must be 9 numeric characters.","example":"111000025","maxLength":9,"minLength":9,"pattern":"[0-9]*$"}}}],"required":["identifierType","type"]},"PaymentsCardAccount":{"allOf":[{"$ref":"#/components/schemas/PaymentsRecipientAccount"},{"type":"object","properties":{"type":{"type":"string","enum":["card"]},"cardNumber":{"type":"string","description":"Recipient's card number.","maxLength":19,"minLength":12,"pattern":"^[0-9]+$"}}}],"required":["cardNumber","type"]},"PaymentsWalletAccount":{"allOf":[{"$ref":"#/components/schemas/PaymentsRecipientAccount"},{"type":"object","properties":{"type":{"type":"string","enum":["wallet","storedValueWallet","stagedDigitalWallet","merchantWallet"]},"walletReference":{"type":"string","description":"A reference identifying the destination wallet.","maxLength":50,"minLength":1,"pattern":"^(?!\\s*$)[a-zA-Z0-9\\s@!£*#$)(+\\-_=.,/;:'\"]*$"}}}],"required":["type","walletReference"]},"PaymentsEmailAccount":{"allOf":[{"$ref":"#/components/schemas/PaymentsRecipientAccount"},{"type":"object","properties":{"type":{"type":"string","enum":["email"]},"emailAddress":{"type":"string","description":"Recipient's email address.","maxLength":128,"minLength":1,"pattern":"^.+@.+$"}}}],"required":["emailAddress","type"]},"PaymentsPhoneAccount":{"allOf":[{"$ref":"#/components/schemas/PaymentsRecipientAccount"},{"type":"object","properties":{"type":{"type":"string","enum":["phone"]},"phoneNumber":{"type":"string","description":"Recipient's phone number.","maxLength":20,"minLength":4,"pattern":"^(?!\\s*$)[0-9\\s()+\\-/.x]*$"}}}],"required":["phoneNumber","type"]},"PaymentsSocialNetworkAccount":{"allOf":[{"$ref":"#/components/schemas/PaymentsRecipientAccount"},{"type":"object","properties":{"type":{"type":"string","enum":["socialNetwork"]},"socialNetworkReference":{"type":"string","description":"A reference identifying recipient's social network account.","maxLength":50,"minLength":1,"pattern":"^(?!\\s*$)[a-zA-Z0-9\\s@!£*#$)(+\\-_=.,/;:'\"]*$"}}}],"required":["socialNetworkReference","type"]},"PaymentsTransferAddress":{"type":"object","properties":{"address1":{"type":"string","description":"Must be supplied if `city` is provided.","maxLength":80,"minLength":1,"pattern":"^(?!\\s*$)[a-zA-Z0-9\\s]*$"},"address2":{"type":"string","maxLength":80,"minLength":1,"pattern":"^(?!\\s*$)[a-zA-Z0-9\\s]*$"},"city":{"type":"string","description":"Must be supplied if `address1` is provided.","maxLength":50,"minLength":1,"pattern":"^(?!\\s*$)[a-zA-Z0-9\\s]*$"},"postalCode":{"type":"string","maxLength":10,"minLength":1,"pattern":"^(?!\\s*$)[a-zA-Z0-9\\s]*$"},"state":{"type":"string","description":"1-3 alphanumeric characters and spaces.","maxLength":3,"minLength":1,"pattern":"^(?!\\s*$)[a-zA-Z0-9\\s]*$"},"countryCode":{"type":"string","format":"ISO 3166-1 alpha-2","description":"Country code in [ISO 3166-1 Alpha-2 format](/products/reference/supported-countries-currencies#iso-country-codes).","minLength":1}},"required":["countryCode"]},"PaymentsFundsRecipient":{"description":"An object containing details about the recipient of funds, including name and address information, as well as recipient account details. In many use cases, the recipient is the same person as the sender (for example if your customer uses their card to load funds into their own crypto exchange or investment account). __Although an optional object in the API schema, `recipient` is required for some regions and use cases.__","properties":{"account":{"$ref":"#/components/schemas/PaymentsRecipientAccount"},"firstName":{"type":"string","description":"Recipient's first name.","maxLength":22,"minLength":1,"pattern":"^(?!\\s*$).*$"},"middleName":{"type":"string","description":"Recipient's middle name.","maxLength":22,"minLength":1,"pattern":"^(?!\\s*$).*$"},"lastName":{"type":"string","description":"Recipient's last name.","maxLength":22,"minLength":1,"pattern":"^(?!\\s*$).*$"},"address":{"$ref":"#/components/schemas/PaymentsTransferAddress"},"dateOfBirth":{"type":"string","format":"date","description":"Recipient's date of birth"},"phoneNumber":{"type":"string","description":"Recipient's phone number","maxLength":20,"minLength":4,"pattern":"^(?!\\s*$)[0-9\\s()+\\-/.x]*$"},"documentReference":{"type":"string","description":"Required for domestic processing in some Latin American countries.","maxLength":25,"minLength":1,"pattern":"^[-A-Za-z0-9_\\-/\\\\*~+.,&()]*$"}}},"PaymentsFundsSender":{"type":"object","description":"An object containing details about the sender of funds, including name and address information. The sender account is always the card account declared within `instruction.paymentInstrument`. __Although an optional object in the API schema, `sender` is required for some regions and use cases.__","properties":{"firstName":{"type":"string","description":"Sender's first name. Must be supplied if `lastName` or `middleName` are provided.","maxLength":22,"minLength":1,"pattern":"^(?!\\s*$).*$"},"middleName":{"type":"string","description":"Sender's middle name.","maxLength":22,"minLength":1,"pattern":"^(?!\\s*$).*$"},"lastName":{"type":"string","description":"Sender's last name. Must be supplied if `firstName` or `middleName` are provided.","maxLength":22,"minLength":1,"pattern":"^(?!\\s*$).*$"},"address":{"$ref":"#/components/schemas/PaymentsTransferAddress","description":"Sender's address."},"dateOfBirth":{"type":"string","format":"date","description":"Sender's date of birth"},"documentReference":{"type":"string","description":"Sender's document reference (e.g. Tax ID). Required for domestic processing in some Latin American countries.","maxLength":25,"minLength":1,"pattern":"^[-A-Za-z0-9_\\-/\\\\*~+.,&()]*$"}}},"PaymentsFundsTransfer":{"type":"object","description":"Contains details of the funds transfer request, which is a money movement for a reason other than the purchase of goods or services (also known as Account Funding Transaction (AFT)).\n\nRead more on how to set it up under our [__Account Funding Transactions__](/products/payments/enable-features/account-funding-transactions) guide.","properties":{"type":{"type":"string","description":"Specifies the type of the funds transfer. {% admonition type=\"warning\" name=\"Note\" %} You may only submit the `fundsTransfer.type` values that relate to the use cases that you have been approved for by the schemes.{% /admonition %}","enum":["accountToAccount","cash","disbursement","personToPerson","purchase","topUp","walletLoad"],"x-enumDescriptions":{"disbursement":"A card is used as the source of funds for a disbursement","personToPerson":"Move funds to an account owned by another person (eg gifts)","accountToAccount":"Move funds to another financial institution account owned by the same person","topUp":"Top up a pre-paid or debit card","purchase":"For the initial purchase of a reloadable account (such as prepaid or gift card), or direct crypto & liquid asset purchases without an intermediary wallet load","cash":"A card is used to fund a transfer where funds are given to the recipient in cash","walletLoad":"Move funds to a digital wallet owned by the same person"}},"purpose":{"type":"string","description":"Specifies the purpose of the funds transfer. Required for some regions and use cases (eg crypto).","enum":["businessToBusiness","creditCardRepayment","crypto","crowdLending","debitCard","education","emergency","familySupport","gift","giftCard","gaming","highRiskSecurities","liquidAssets","medical","payroll","prepaidCard","salary","savings","travel","other"]},"recipient":{"$ref":"#/components/schemas/PaymentsFundsRecipient"},"sender":{"$ref":"#/components/schemas/PaymentsFundsSender"}},"required":["type"]}}}},"schemaResolvedErrors":[]},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"outcome-details","__idx":6},"children":["Outcome details"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The payment response does not include any ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["fundsTransfer"]}," specific information."]}]},"headings":[{"value":"Account Funding Transactions (AFT)","id":"account-funding-transactions-aft","depth":1},{"value":"International funds transfers","id":"international-funds-transfers","depth":2},{"value":"Use cases","id":"use-cases","depth":2},{"value":"How to enable","id":"how-to-enable","depth":2},{"value":"fundsTransfer object (Required)","id":"fundstransfer-object-required","depth":3},{"value":"Schema","id":"schema","depth":3},{"value":"Outcome details","id":"outcome-details","depth":2}],"frontmatter":{"seo":{"title":"Account Funding Transactions (AFT) | Payments API"}},"lastModified":"2026-02-04T05:52:53.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/products/payments/enable-features/account-funding-transactions","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}