# Account Funding Transactions (AFT)

Funding transactions are used to transfer funds from a card account to another destination, rather than for the provision of goods or services. Examples include, but are not limited to:

- loading digital wallets
- moving money into a crypto exchange or investment platform
- direct purchase of cryptocurrency or liquid assets
- transfers to financial institution accounts
- transfers to debit or prepaid accounts/cards
- gifting money to friends or family members at home or abroad
- and more...


## International funds transfers

For cross border and inter-regional funds transfers you must submit the following:

Recipient:

* `recipient.address.address1`
* `recipient.address.city`
* `recipient.address.postalCode` (supply an empty string if postal codes are not widely supported for the supplied `countryCode` eg for Ireland, `IE`)
* `recipient.address.state` (mandatory for US and Canada)
* `recipient.address.countryCode`


Sender:

* `sender.address.address1`
* `sender.address.city`
* `sender.address.postalCode` (supply an empty string if postal codes are not widely supported for the supplied `countryCode` eg for Ireland, `IE`)
* `sender.address.state` (mandatory for US and Canada)
* `sender.address.countryCode`
* `sender.dateOfBirth`


## Use cases

| Use case | Description | Required request values |
|  --- | --- | --- |
| Account to Account | Transfer funds from a card account to a financial institution account owned by the cardholder. | `"type":"accountToAccount"` `"purpose"` Not `"creditCardRepayment"` |
| Credit card repayment | Use a debit card to pay off a credit card bill. | `"type":"accountToAccount"``"purpose":creditCardRepayment` |
| Cash | Use a card to fund a transfer where the funds are given to the recipient in cash. | `"type":"cash"` |
| Disbursement: Business to Business (B2B) | Pull funds from a business card in order to pay an invoice due from another business. | `"type":"disbursement"` `"purpose":"businessToBusiness"` |
| Disbursement: Payroll | Pull funds from a business card to fund payroll disbursements made by a payroll provider on behalf of a business. | `"type":"disbursement"``"purpose":"payroll"` |
| Disbursement: Business to Consumer (B2C) | Pull funds from a business card to fund a business disbursement. | `"type":"disbursement"` `"purpose"` Not `"businessToBusiness"` or `"payroll"` |
| Person to Person | Transfer funds from a card account to an account owned by another person. | `"type":"personToPerson"` |
| Purchase a gift card | Purchase a gift card. Note: `sender` and `recipient` values must exactly match if the recipient of the gift card is the same as the person purchasing the gift card. | `"type":"purchase"``"purpose":"giftCard"` |
| Purchase a pre-paid card | Purchase a pre-paid card. | `"type":"purchase"``"purpose":"prePaidCard"` |
| Purchase cryptocurrency | Purchase crypto directly without an intermediary fiat wallet load. | `"type":"purchase"``"purpose":"crypto"``"recipient.account.type": "wallet"` |
| Purchase liquid assets | Purchase crypto directly without an intermediary fiat wallet load. Liquid assets include shares, stock and foreign currencies. | `"type":"purchase"``"purpose":"liquidAssets"``"recipient.account.type": "wallet"` |
| Top up a debit account | Transfer funds from a card to a debit card account owned by the cardholder. | `"type":"topUp"``"purpose":"debitCard"` |
| Top up a pre-paid account | Transfer funds from a card to a pre-paid card account. | `"type":"topUp"``"purpose":"prePaidCard"` |
| Wallet load: cryptocurrency | Transfer funds from a card to a crypto exchange wallet for the purpose of purchasing cryptocurrency. | `"type":"walletLoad"``"purpose":"crypto"``"recipient.account.type": "storedValueWallet"` |
| Wallet load: liquid assets | Transfer funds from a card to a trading wallet for the purpose of purchasing stocks, shares, or foreign currency. | `"type":"walletLoad"``"purpose":"liquidAssets"``"recipient.account.type": "storedValueWallet"` |
| Wallet load: high risk securities | Transfer funds from a card to a trading wallet for the purpose of purchasing high risk securities. | `"type":"walletLoad"``"purpose":"highRiskSecurities"``"recipient.account.type": "storedValueWallet"` |
| Wallet load: gaming | Transfer funds from a card to a gaming wallet. | `"type":"walletLoad"``"purpose":"gaming"``"recipient.account.type": "storedValueWallet"` |
| Wallet load: merchant wallet | Transfer funds from a card to a merchant wallet, where funds can be used to purchase items from the merchant exclusively. | `"type":"walletLoad"``"recipient.account.type": "merchantWallet"` |


## How to enable

Using the `instruction.fundsTransfer` object and providing all the required details.

Card scheme registration
You must be registered with Visa and Mastercard to perform funding transactions.

### fundsTransfer object (Required)

Direct purchase of crypto

```
"fundsTransfer": {
  "type": "purchase",
  "purpose": "crypto",
  "recipient": {
    "account": {
      "type": "wallet",
      "walletReference": "wallet-reference" 
    }
  },
  ...
}
```

Loading stored wallets for crypto

```
"fundsTransfer": {
  "type": "walletLoad",
  "purpose": "crypto",
  "recipient": {
    "account": {
      "type": "storedValueWallet",
      "walletReference": "wallet-reference" 
    }
  },
  ...
}
```

B2B disbursement

```
"fundsTransfer": {
  "type": "disbursement",
  "purpose": "businesstoBusiness",
  "recipient": {
    "account": {
      "type": "{ANY}",
      ... 
    }
  },
  ...
}
```

Gift card purchase

```
"fundsTransfer": {
  "type": "purchase",
  "purpose": "giftCard",
  "recipient": {
    "account": {
      "type": "{ANY}",
      ... 
    }
  },
  ...
}
```

### Schema

## Outcome details

The payment response does not include any `fundsTransfer` specific information.