Creating an AFT Payment
Create a card payment for an account funding transaction (AFT).
Note
The AFT feature is in beta testing. To enable this feature, contact Rapyd Client Support.
Relevant to payment method types that support this feature.
Sandbox only.
You can transfer funds from a card as follows:
Indirectly through the company wallet of a licensed business entity that manages the customer’s wallet. The business forwards the funds to the customer’s wallet. In the payment request, you specify the
customer
object.Directly to the cardholder’s own wallet. In the payment request, you specify the person wallet.
Transferring Funds Indirectly
Use the following Create Payment request parameters:
Set
payment_method_options.aft
to true.Set
payment_method_options.purpose_code
to one of the following:crowd_lending
crypto_currency
education
emergency_need
family_support
gifts
hospitalization_and_medical_treatment
other
regular_labor_transfers
salary
savings
travel_and_tourism
complete_payment_url
anderror_payment_url
are required.Set the ID of the
customer
object or create a customer. See Create Customer.In the
customer
object:date_of_birth
is required.The following fields are recommended:
birth_country
email
nationality
occupation
The following customer
address
fields are required. See Create Address.city
country
line_1
of the addressphone_number
zip
Create Payment - AFT for customer: Request
curl -X post https://sandboxapi.rapyd.net/v1/payments/ -H 'access_key: your-access-key-here' -H 'Content-Type: application/json' -H 'idempotency: your-idempotency-parameter-here' -H 'salt: your-random-string-here' -H 'signature: your-calculated-signature-here' -H 'timestamp: your-unix-timestamp-here' -d '{ "amount": 4, "currency": "GBP", "description": "AFT payment - customer", "capture": true, "complete_payment_url": "https://complete.example.net", "error_payment_url": "https://error.example.net", "payment_method": { "type": "at_visa_card", "fields": { "number": "4111111111111111", "expiration_month": "12", "expiration_year": "31", "cvv": "456", "name": "John Doe" } }, "payment_method_options": { "purpose_code": "family_support", "aft": true }, "customer": { "name": "John Doe", "email": "johndoe@rapyd.net", "business_vat_id": "12345678915", "occupation": "developer", "birth_country": "US", "date_of_birth": "09/12/1997", "nationality": "US", "phone_number": "+19175551234", "addresses": [{ "name": "John Doe", "line_1": "123 State Street", "line_2": "Apt.34", "line_3": "", "city": "Anytown", "state": "NY", "country": "US", "zip": "12345", "phone_number": "12125559999" } ] } } '
Create Payment - AFT for customer: Response
{ "status": { "error_code": "", "status": "SUCCESS", "message": "", "response_code": "", "operation_id": "b4e297ad-ba06-46c4-b026-f0313c752196" }, "data": { "id": "payment_71fbb2bf0ffeca6029cc0748dfb0d76e", "amount": 4, "original_amount": 4, "is_partial": false, "currency_code": "GBP", "country_code": "AT", "status": "CLO", "description": "AFT payment - customer", "merchant_reference_id": "", "customer_token": "cus_e43c4977b914239bf46dcbc52a225183", "payment_method": null, "payment_method_data": { "id": null, "type": "at_visa_card", "category": "card", "metadata": null, "image": "", "webhook_url": "", "supporting_documentation": "", "next_action": "not_applicable", "name": "John Doe", "last4": "1111", "acs_check": "unchecked", "cvv_check": "unchecked", "bin_details": { "type": "CREDIT", "brand": "VISA", "level": "CLASSIC", "issuer": "VISA EUROPE LIMITED", "country": "GB", "bin_number": "411111" }, "expiration_year": "31", "expiration_month": "12", "fingerprint_token": "ocfp_67f3a5bc9766b181f1624a6260174345", "network_reference_id": "000000564531014", "payment_account_reference": "V0010013018036782991622965076" }, "auth_code": "663915", "expiration": 1748504528, "captured": true, "refunded": false, "refunded_amount": 0, "receipt_email": "", "redirect_url": "", "complete_payment_url": "https://complete.example.net", "error_payment_url": "https://error.example.net", "receipt_number": "", "flow_type": "", "address": null, "statement_descriptor": "Doc Team", "transaction_id": "", "created_at": 1747899728, "metadata": {}, "failure_code": "", "failure_message": "", "paid": true, "paid_at": 1747899729, "dispute": null, "refunds": null, "order": null, "outcome": null, "visual_codes": {}, "textual_codes": {}, "instructions": [], "ewallet_id": "ewallet_5efc4cbe901b903df7bb3f26eb769331", "ewallets": [ { "ewallet_id": "ewallet_5efc4cbe901b903df7bb3f26eb769331", "amount": 4, "percent": 100, "refunded_amount": 0 } ], "payment_method_options": { "aft": true, "purpose_code": "family_support" }, "payment_method_type": "at_visa_card", "payment_method_type_category": "card", "fx_rate": 1, "merchant_requested_currency": null, "merchant_requested_amount": null, "fixed_side": "", "payment_fees": null, "invoice": "", "escrow": null, "group_payment": "", "cancel_reason": null, "initiation_type": "customer_present", "mid": "mid_0f15e88b73d11e3eab39f5bad87e0759", "next_action": "not_applicable", "error_code": "", "remitter_information": {}, "save_payment_method": false, "merchant_advice_code": null, "merchant_advice_message": null, "transaction_link_id": null } }
Transferring Funds Directly
Use the following Create Payment request parameters:
Set
payment_method_options.aft
to true.Set
payment_method_options.purpose_code
to one of the following:crowd_lending
crypto_currency
education
emergency_need
family_support
gifts
hospitalization_and_medical_treatment
other
regular_labor_transfers
salary
savings
travel_and_tourism
complete_payment_url
anderror_payment_url
are required.Set the ID of the cardholder’s person
ewallet
. See Create Wallet.The cardholder’s first name, last name, and country must match the values of the wallet contact.
The following wallet contact fields are required. See Add Contact to Wallet.
first_name
last_name
country
The following wallet contact
address
fields are required. See Create Address.city
line_1
of the addresszip
Create Payment - AFT for person wallet: Request
curl -X post https://sandboxapi.rapyd.net/v1/payments/ -H 'access_key: your-access-key-here' -H 'Content-Type: application/json' -H 'idempotency: your-idempotency-parameter-here' -H 'salt: your-random-string-here' -H 'signature: your-calculated-signature-here' -H 'timestamp: your-unix-timestamp-here' -d '{ "amount": 1.07, "currency": "EUR", "description": "AFT payment - person wallet", "capture": true, "ewallet": "ewallet_4d4b74f67ddf7cd8fd9ea33bf72aa3bd", "complete_payment_url": "https://complete.example.net", "error_payment_url": "https://error.example.net", "payment_method": { "type": "nl_visa_card", "fields": { "number": "4111111111111111", "expiration_month": "11", "expiration_year": "31", "cvv": "123", "name": "John Doe" } }, "payment_method_options": { "purpose_code": "family_support", "aft": true } } '
Create Payment - AFT for person wallet: Response
{ "status": { "error_code": "", "status": "SUCCESS", "message": "", "response_code": "", "operation_id": "851d1197-b7b0-43b2-a3c1-1353e227cf75" }, "data": { "id": "payment_bafcc78a0542ef64f3bbd145c130690c", "amount": 1.07, "original_amount": 1.07, "is_partial": false, "currency_code": "EUR", "country_code": "NL", "status": "CLO", "description": "AFT payment - person wallet", "merchant_reference_id": "", "customer_token": "cus_77dbcd9f07c1d78a7702a46a3d8c1d4e", "payment_method": "card_38f74ed0a42211b2c9a08aa945074875", "payment_method_data": { "id": "card_38f74ed0a42211b2c9a08aa945074875", "type": "nl_visa_card", "category": "card", "metadata": null, "image": "", "webhook_url": "", "supporting_documentation": "", "next_action": "not_applicable", "name": "John Doe", "last4": "1111", "acs_check": "unchecked", "cvv_check": "unchecked", "bin_details": { "type": "CREDIT", "brand": "VISA", "level": "CLASSIC", "country": "NL", "bin_number": "411111" }, "expiration_year": "31", "expiration_month": "11", "fingerprint_token": "ocfp_c6abbccb3440fcb0fc34ae14126607fa", "network_reference_id": "000000111222999", "payment_account_reference": "V0010013018036782991622965076" }, "auth_code": "003603", "expiration": 1748504528, "captured": true, "refunded": false, "refunded_amount": 0, "receipt_email": "", "redirect_url": "", "complete_payment_url": "https://complete.example.net", "error_payment_url": "https://error.example.net", "receipt_number": "", "flow_type": "", "address": null, "statement_descriptor": "Doc Team", "transaction_id": "", "created_at": 1747899728, "metadata": {}, "failure_code": "", "failure_message": "", "paid": true, "paid_at": 1747899729, "dispute": null, "refunds": null, "order": null, "outcome": null, "visual_codes": {}, "textual_codes": {}, "instructions": [ { "name": "instructions", "steps": [ { "step1": "" } ] } ], "ewallet_id": "ewallet_4d4b74f67ddf7cd8fd9ea33bf72aa3bd", "ewallets": [ { "ewallet_id": "ewallet_4d4b74f67ddf7cd8fd9ea33bf72aa3bd", "amount": 1.07, "percent": 100, "refunded_amount": 0 } ], "payment_method_options": { "aft": true, "purpose_code": "family_support" }, "payment_method_type": "nl_visa_card", "payment_method_type_category": "card", "fx_rate": 1, "merchant_requested_currency": null, "merchant_requested_amount": null, "fixed_side": "", "payment_fees": null, "invoice": "", "escrow": null, "group_payment": "", "cancel_reason": null, "initiation_type": "customer_present", "mid": "mid_7b624b32f161313347d554138d81858", "next_action": "not_applicable", "error_code": "", "remitter_information": {}, "save_payment_method": false, "merchant_advice_code": null, "merchant_advice_message": null, "transaction_link_id": null } }