Account Funding Transactions
Account Funding Transactions (AFTs) push funds to a cardholder's payment card — used for disbursements, payouts, rebates, and money transfers.
AFTs require special MCCs and explicit acquiring bank approval. Contact your CyoGate account representative before implementing.
Common Use Cases
- Gig economy payout to workers
- Insurance claim disbursements
- Lottery and gaming winnings
- Rebate and reward payouts
AFT API Call
$post = array(
'security_key' => YOUR_PRIVATE_KEY,
'type' => 'credit', // Push funds to card
'amount' => '250.00',
'customer_vault_id' => $recipient_vault_id,
'transaction_purpose' => 'funds_disbursement',
);Network Programs
| Network | Program | Notes |
|---|---|---|
| Visa | Visa Direct | Near real-time push to eligible Visa cards |
| Mastercard | Mastercard Send | Push payments to Mastercard cardholders |