Process a Dual Message AFT {#payouts-services-auth-dual-message-aft-intro} ========================================================================== Account Funding Transactions allow a payment service provider to debit funds from a cardholder's Mastercard or Visa account to fund a non-merchant account. This is typically used to load funds onto prepaid cards and electronic wallets. Dual Message Account Funding Transactions (AFTs) provide the following benefits: * Enables customers to identify Mastercard and Visa transactions during the authorization and settlement. * Allows acquiring partners to use Dual Message BINs when performing a payout transaction. Endpoint {#payouts-services-auth-dual-message-aft-intro_d7e16} -------------------------------------------------------------- Set the ccAuthService_run field to `true`. Send the request to `https://ics2ws.ic3.com/commerce/1.x/transactionProcessor`. Required Fields for a Dual-Message AFT Request for `FDC Nashville Global` {#payouts-services-auth-dual-message-aft-reqfields-fdiglobal} ======================================================================================================================================= These fields are required to process a dual-message AFT request: [aft_indicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/aft-indicator.md "") : [billTo_city](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-last-name.md "") : [billTo_country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-country.md "") : [billTo_email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-email.md "") : [billTo_firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-first-name.md "") : [billTo_lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-last-name.md "") : [billTo_phoneNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-phone-number.md "") : [billTo_postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-postal-code.md "") : [billTo_state](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-state.htm "") : [billTo_street1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-street1.md "") : [card_accountNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-account-number.md "") : [card_cardType](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-card-type.md "") : [card_cvNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/api-fields-so-intro.md "") : [card_expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-month.md "") : [card_expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-year.md "") : [invoiceHeader_businessApplicationId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/invoice-header-business-application-id.md "") : These are the values when using a Mastercard card type: * `AA`: Account-to-account. * `BB`: Business to business. * `CO`: Cash out. * `CP`: Card bill payment. * `MD`: Merchant disbursement (acquirers or aggregators settling to merchants). * `PP`: Person to person. * `WT`: When AFT is used to fund a staged digital wallet. {#payouts-services-auth-dual-message-aft-reqfields-fdiglobal_ul_emx_dnw_zcc-so} : These are the values when a Visa card type: * `AA`: Account to account. * `BI`: Business to business. * `CB`: Consumer bill payment. * `FT`: Funds transfer. * `PP`: Person to person. * `TU`: Top Up: Prepaid load. * `WT`: Wallet transfer. {#payouts-services-auth-dual-message-aft-reqfields-fdiglobal_bai-value-fdiglobal-so} [merchantID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-id.md "") : [merchantReferenceCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-reference-code.md "") : [purchaseTotals_currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-currency.md "") : [purchaseTotals_grandTotalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-grand-total-amount.md "") : [recipient_accountId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/recipient-account-id.md "") : Required with Mastercard. [recipient_accountType](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/recipient-account-type.md "") : Required for Mastercard. These codes are permitted: * `00`: Other * `01`: Routing transit number (RTM) and bank account * `02`: IBAN * `03`: Card account * `04`: Email * `05`: Phone number * `06`: Bank account number (BAN) and Bank identification number code (BIC) * `07`: Wallet ID * `08`: Social network ID {#payouts-services-auth-dual-message-aft-reqfields-fdiglobal_ul_xtv_2vt_rdc} [recipient_country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/recipient-country.md "") : Required with Mastercard for domestic funding transactions when the transaction is a subsequent and cross-border funds transfer. [recipient_firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/recipient-first-name.md "") : Required with Mastercard. Required with Visa for intra-European Economic Area (EEA), including UK and Gibraltar, and EU international transactions. Optional with Visa for domestic EU AFTs. [recipient_phoneNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/recipient-phone-number.md "") : [recipient_lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/recipient-last-name.md "") : Required with Mastercard. Required with Visa for intra-European Economic Area (EEA), including UK and Gibraltar, and EU international transactions. Optional with Visa for domestic EU AFTs. [recipient_middleName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/recipient-middle-name.md "") : Required with Visa for intra-European Economic Area (EEA), including UK and Gibraltar, and EU international transactions. Optional with Visa for domestic EU AFTs and Mastercard. [recipient_postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/recipient-postal-code.md "") : [sender_accountNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/sender-account-number.md "") : Required with Visa in the EU. [sender_address](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/sender-address.md "") : Required with Visa transactions into and out of Canada with the address of the person or entity. Optional with Mastercard. [sender_city](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/sender-city.md "") : Required with Visa transactions into and out of Canada for cross-border money and non-money transfers. Optional with Mastercard. [sender_country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/sender-country.md "") : Required with Visa transactions into and out of Canada. Optional with Mastercard. [sender_firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/sender-first-name.md "") : Required with Visa. Optional with Mastercard. [sender_identificationNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/sender-id-number.md "") : Required with Visa EMV transactions. [sender_lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/sender-last-name.md "") : Required with Visa. Optional with Mastercard. [sender_middleName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/sender-middle-name.md "") : Required with Visa. Optional with Mastercard. [sender_name](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/sender-name.md "") : This field contains the sender business, government, non-government name, or Visa payer name. When this field is present in a transaction, the senderInformation.firstName, senderInformation.middleName, and senderInformation.lastName fields should not be present in the transaction. [sender_personalIdType](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/sender-personal-id-type.md "") : Strongly recommended with Visa. : These are the valid values: * `ARNB`: Alien registration number * `BTHD`: Date of birth * `CPNY`: Company registration number * `CUID`: Customer identification (unspecified) * `DRLN`: Driver license * `EMAL`: Email * `LAWE`: Law enforcement identification * `MILI`: Military identification * `NTID`: National identification * `PASN`: Passport number * `PHON`: Phone number * `PRXY`: Proxy identification * `SSNB`: Social security number * `TRVL`: Travel identification (non-passport) * `TXIN`: Tax identification {#payouts-services-auth-dual-message-aft-reqfields-fdiglobal_ul_hfk_1xt_rdc} [sender_state](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/sender-state.md "") : Required with Visa for transactions in Canada and US. Optional with Mastercard. {#payouts-services-auth-dual-message-aft-reqfields-fdiglobal_dl_yyl_mhh_2cc} Optional Fields for a Dual-Message AFT {#payouts-services-auth-dual-message-aft-optfields-fdiglobal} ==================================================================================================== You can include these optional fields in an authorization request for an AFT: [authService_purposeOfPayment](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/oct-service-purpose-of-payment.md "") : [recipient_address](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/recipient-address.md "") : [recipient_city](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/recipient-city.md "") : [recipient_middleName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/recipient-middle-name.md "") : [recipient_state](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/recipient-state.md "") : [sender_sourceOfFunds](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/sender-source-of-funds.md "") : These are the valid values: * `01`: Credit (Visa or Mastercard credit card) * `02`: Debit (Visa or Mastercard debit card) * `03`: Prepaid (Visa or Mastercard prepaid card) * `04`: Deposit account (checking, savings, or cryptocurrency) * `06`: Cash {#payouts-services-auth-dual-message-aft-optfields-fdiglobal_ul_dmf_nvt_rdc} [sender_accountType](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/sender-account-type.md "") : These are the valid values: * `00`: Other * `01`: Routing Transit Number (RTN) + Bank Account Number (BAN) * `02`: International Bank Account Number (IBAN) * `03`: Card Account * `04`: Email * `05`: Phone Number * `06`: Bank Account Number (BAN) + Bank Identification Code (BIC), also known as a SWIFT code * `07`: Wallet ID * `08`: Social Media ID {#payouts-services-auth-dual-message-aft-optfields-fdiglobal_so-ul_dsx_vxn_pdc} [sender_dateOfBirth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/sender-date-of-birth.md "") : [sender_phoneNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/sender-phone-number.md "") : [sender_postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/sender-postal-code.md "") : [sender_referenceNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/sender-reference-number.md "") : [sender_type](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/sender-type.md "") : This field is optional, but strongly recommended. : These are the valid values: * `0B`: Business * `0I`: Individual {#payouts-services-auth-dual-message-aft-optfields-fdiglobal_so_ul_mdk_5zm_rdc} Related Information {#payouts-services-auth-dual-message-aft-optfields-fdiglobal_section_ant_bh2_rdc} ----------------------------------------------------------------------------------------------------- * [Simple Order API Field Reference Guide](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/api-fields-so-intro.md "") {#payouts-services-auth-dual-message-aft-optfields-fdiglobal_ul_bnt_bh2_rdc} Simple Order Example: Dual-Message AFT for `FDC Nashville Global` {#payouts-services-auth-dual-message-aft-ex-so-fdiglobal} =========================================================================================================================== Request ``` <requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.221"> <merchantID>en_vdcuruguay_1_ccs</merchantID> <merchantReferenceCode>TC55255-1</merchantReferenceCode> <invoiceHeader> <businessApplicationID>AA</businessApplicationID> </invoiceHeader> <billTo> <firstName>JHON</firstName> <lastName>SMITH</lastName> <street1>1-26-28 Nakashirane,</street1> <city>Yokohama-shi</city> <state>CA</state> <postalCode>602-8511</postalCode> <country>US</country> <phoneNumber>999-123-9999</phoneNumber> <email>test@visa.com</email> </billTo> <purchaseTotals> <currency>USD</currency> <grandTotalAmount>100</grandTotalAmount> <invoiceAmount>1234</invoiceAmount> </purchaseTotals> <card> <accountNumber>4111111111111111</accountNumber> <expirationMonth>12</expirationMonth> <expirationYear>2030</expirationYear> <cvNumber>123</cvNumber> <cardType>001</cardType> </card> <recipient> <postalCode>222120</postalCode> <accountID>987654321</accountID> <accountType>33</accountType> <lastName>last</lastName> <firstName>firstname</firstName> <middleName>middlename</middleName> <address>this is address1</address> <city>Newyork</city> <country>US</country> </recipient> <sender> <referenceNumber>REFNUM123</referenceNumber> <sourceOfFunds>02</sourceOfFunds> <name>justsenderName</name> <address>addressofthesender</address> <city>Newyork</city> <state>ca</state> <country>US</country> <accountNumber>154264765376576126571652675176</accountNumber> <firstName>Senderfirst</firstName> <middleName>SenderMiddle</middleName> <lastName>Senderlast</lastName> <personalIDType>TXIN</personalIDType> <type>B</type> <identificationNumber>23506907642323235</identificationNumber> </sender> <aft> <indicator>true</indicator> </aft> </requestMessage> ``` Response ``` <c:replyMessage xmlns:c="urn:schemas-cybersource-com:transaction-data-1.221"> <c:merchantReferenceCode>TC55255-1</c:merchantReferenceCode> <c:requestID>7193792686247001309916</c:requestID> <c:decision>ACCEPT</c:decision> <c:reasonCode>100</c:reasonCode> <c:requestToken>Axj/7wSThfntrctjncLcAHgs3YuWbdyybOGzJo3YMGLNg5csWybWNLQsAAU2saWhYBpA6cQQUYZNv/sXFU8Q64E5OF+e2ty2OdwtwAAA5xPu</c:requestToken> <c:purchaseTotals> <c:currency>USD</c:currency> </c:purchaseTotals> <c:ccAuthReply> <c:reasonCode>100</c:reasonCode> <c:amount>100.00</c:amount> <c:authorizationCode>831000</c:authorizationCode> <c:avsCode>Y</c:avsCode> <c:avsCodeRaw>Y</c:avsCodeRaw> <c:cvCode>M</c:cvCode> <c:cvCodeRaw>M</c:cvCodeRaw> <c:authorizedDateTime>2024-06-26T05:21:10Z</c:authorizedDateTime> <c:processorResponse>00</c:processorResponse> <c:reconciliationID>7193792686247001309916</c:reconciliationID> <c:merchantAdviceCode>01</c:merchantAdviceCode> <c:merchantAdviceCodeRaw>M001</c:merchantAdviceCodeRaw> <c:cavvResponseCode>2</c:cavvResponseCode> <c:cavvResponseCodeRaw>2</c:cavvResponseCodeRaw> <c:paymentNetworkTransactionID>016153570198200</c:paymentNetworkTransactionID> <c:reconciliationReferenceNumber>417805815972</c:reconciliationReferenceNumber> </c:ccAuthReply> <c:receiptNumber>815972</c:receiptNumber> <c:additionalData>ABC</c:additionalData> <c:card> <c:cardType>001</c:cardType> </c:card> <c:reserved> <ics_message xmlns="urn:schemas-cybersource-com:transaction-data:ics"> <ics_decision_reason_code>100</ics_decision_reason_code> <auth_payment_network_transaction_id>016153570198200</auth_payment_network_transaction_id> <auth_rcode>1</auth_rcode> <receipt_number>815972</receipt_number> <ics_return_code>1000000</ics_return_code> <auth_merchant_advice_code>01</auth_merchant_advice_code> <ics_rcode>1</ics_rcode> <auth_cavv_response_code>2</auth_cavv_response_code> <auth_auth_response>00</auth_auth_response> <auth_rmsg>Request was processed successfully.</auth_rmsg> <merchant_ref_number>TC55255-1</merchant_ref_number> <auth_merchant_advice_code_raw>M001</auth_merchant_advice_code_raw> <currency>USD</currency> <auth_auth_code>831000</auth_auth_code> <auth_auth_amount>100.00</auth_auth_amount> <auth_cv_result_raw>M</auth_cv_result_raw> <auth_fee_program_indicator>123</auth_fee_program_indicator> <card_type>001</card_type> <auth_additional_token_response_information>0</auth_additional_token_response_information> <ics_rmsg>Request was processed successfully.</ics_rmsg> <auth_trans_ref_no>7193792686247001309916</auth_trans_ref_no> <request_id>7193792686247001309916</request_id> <auth.reason_code>100</auth.reason_code> <auth_cavv_response_code_raw>2</auth_cavv_response_code_raw> <auth_auth_time>2024-06-26T052110Z</auth_auth_time> <auth_rflag>SOK</auth_rflag> <auth_cv_result>M</auth_cv_result> <auth_return_code>1010000</auth_return_code> <auth_avs_raw>Y</auth_avs_raw> <ics_rflag>SOK</ics_rflag> <auth_reconciliation_reference_number>417805815972</auth_reconciliation_reference_number> <auth_auth_avs>Y</auth_auth_avs> <request_token>Axj/7wSThfntrctjncLcAHgs3YuWbdyybOGzJo3YMGLNg5csWybWNLQsAAU2saWhYBpA6cQQUYZNv/sXFU8Q64E5OF+e2ty2OdwtwAAA5xPu</request_token> <additional_data>ABC</additional_data> </ics_message> </c:reserved> <c:additionalToken> <c:responseInformation>0</c:responseInformation> </c:additionalToken> </c:replyMessage> ```