Account Funding Transaction

Description

An AFT is a card-based transaction where the card is used to fund another financial account.

Unlike a standard purchase, AFTs are not used to pay a merchant for goods but rather to "pull" funds from a card to fund other accounts.

Since Account Funding Transactions (AFTs) are not purchase transactions, they require additional data from the cardholder and are strictly scrutinised by the banks and as such use specific Merchant Category Codes (MCCs).

Note that Digital Wallets (Apple Pay, Samsung Pay and Google Pay) cannot be used for AFT's.

Action

http://www.ecentricswitch.co.za/paymentgateway/v1/Authorize

http://www.ecentricswitch.co.za/paymentgateway/v1/Payment

Style

Document

Input (Literal)

The input of this method is the document element AuthorizeRequest or PaymentRequest having the structure defined by the following table.

ELEMENT	TYPE	SIZE(MAX)	DESCRIPTION
Amount Required	long		The authorization amount in the lowest monetary unit.
OrderNumber Required	string	50	The transaction order or reference number. Note: Only Alphanumeric characters i.e. [a..z], [A..Z], [0..9] are allowed. NO spaces or special characters are allowed. The first 12 characters of this field will be sent to the acquirer/bank as the Retrieval Reference Number (RRN). Therefore the first 12 characters must be unique. Duplicate RRN’s may cause transaction failures.
PaymentService Required	PaymentServiceType		For AFT's this will be CardNotPresentAFT
BussAppId Required	string		For Visa - The Business Application Identifier. For MasterCard - Payment Transaction Type Indicator. This value will be provided to the merchant when the AFT service is enabled.
SenderFirstName Required	string	50	The first name of the funds sender.
SenderLastName Required	string	50	The last name of the funds sender.
ReceiverFirstName Required	string	50	The first name of the funds receiver.
ReceiverLastName Required	string	50	The last name of the funds receiver.
SenderAddress Required	Address		The address of the funds sender. For "Region" use the following: EC FS GP KZ LP MP NW NC WC
ReceiverAddress Required	Address		The address of the funds receiver. For "Region" use the following: EC FS GP KZ LP MP NW NC WC
PurposeOfPayment Required	string	12	This tag will contain the purpose of payment code. This value will be provided to the merchant when the AFT service is enabled.
CardAcceptorName Required	string	40	The CardAcceptorName is the merchant name which will appear on the customer's bank statement. Required CardAcceptorName format
MerchantCategoryCode Required	string	4	Used when a merchant wishes to pass a unique MCC (MerchantCategoryCode) eg: 4829 This value will be provided to the merchant when the AFT service is enabled.

Sample Message

Request

Body

<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/" xmlns:v1="http://www.ecentricswitch.co.za/paymentgateway/v1">
    <soapenv:Header>
    <MessageHeader></MessageHeader>
    </soapenv:Header>
    <soapenv:Body>
<PaymentRequest>
<AuthCode></AuthCode>  
<MerchantID>XXXXXXXXXXXXXXXXXXX</MerchantID>
<MerchantCategoryCode>9311</MerchantCategoryCode>
<TransactionID>XXXXXX</TransactionID>
<Amount>222</Amount>
<CurrencyCode>ZAR</CurrencyCode>
<OrderNumber>AFTPayment132</OrderNumber>
<Card>
<CardholderName>AFT Test</CardholderName>
<CardNumber>4111111111111111</CardNumber>
<ExpiryMonth>01</ExpiryMonth>
<ExpiryYear>30</ExpiryYear>
<SecurityCode>123</SecurityCode>
</Card>
<PaymentService>CardNotPresentAFT</PaymentService>
<SenderFirstName>SenderFirstName</SenderFirstName>
<SenderLastName>SenderLastName</SenderLastName>
<SenderAddress>
    <AddressLine1>456 Street</AddressLine1>
    <AddressLine2></AddressLine2>
    <City>CapeTown</City>
    <Neighbourhood>Rondebosch</Neighbourhood>
    <PostCode>7700</PostCode>
    <Region>WC</Region>
    <CountryCode>710</CountryCode>
</SenderAddress>
<ReceiverFirstName>ReceiverFirstName</ReceiverFirstName>
<ReceiverLastName>ReceiverLastName</ReceiverLastName>
<ReceiverAddress>
    <AddressLine1>123 Street</AddressLine1>
    <AddressLine2></AddressLine2>
    <City>CapeTown</City>
    <Neighbourhood>Rondebosch</Neighbourhood>
    <PostCode>7700</PostCode>
    <Region>WC</Region>
    <CountryCode>710</CountryCode>
</ReceiverAddress>
<PurposeOfPayment>ISACCT</PurposeOfPayment>
<BussAppId>WT</BussAppId>
</PaymentRequest>
</soapenv:Body>
</soapenv:Envelope>

Response

Body

<s:Envelope
	xmlns:s="http://schemas.xmlsoap.org/soap/envelope/">
	<s:Header>
		<h:MessageHeader
			xmlns:h="http://www.ecentricswitch.co.za/paymentgateway/v1"
			xmlns="http://www.ecentricswitch.co.za/paymentgateway/v1"
			xmlns:xsd="http://www.w3.org/2001/XMLSchema"
			xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
			<MessageDateTime>2024-11-14T12:14:19.197</MessageDateTime>
			<MessageID>FCB16C75-21C1-495A-8E21-49A6CA1C83EE</MessageID>
			<Channel xsi:nil="true"/>
		</h:MessageHeader>
	</s:Header>
	<s:Body
		xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
		xmlns:xsd="http://www.w3.org/2001/XMLSchema">
		<PaymentResponse xmlns="http://www.ecentricswitch.co.za/paymentgateway/v1">
			<TransactionID>d51a062c-8789-435c-9669-3f02440f4f37</TransactionID>
			<TransactionDateTime>2024-11-14T12:14:17.63</TransactionDateTime>
			<SaleReconID xsi:nil="true"/>
			<ReconID/>
			<AuthCode>609134</AuthCode>
			<TransactionStatus>Success</TransactionStatus>
			<ResponseDetail>
				<Source>Acquirer</Source>
				<Code>00</Code>
				<Description>Approved or completed successfully</Description>
				<ClientMessage>Approved.</ClientMessage>
			</ResponseDetail>
			<AuthAmount>222</AuthAmount>
		</PaymentResponse>
	</s:Body>
</s:Envelope>