Create AFT Payment Request

Create an AFT (Account Funding Transaction) to pull funds from a consumer’s registered external debit card into their Upward DDA. The card must already be registered through the card-registration component and have pullEnabled: true. amount is the gross amount debited from the card; the fee is deducted from it, so the consumer’s DDA receives amount - fee_amount. Returns 200 with a payment in pending; settlement is reported asynchronously through the Payment.Aft.Completed webhook.

Create an AFT (Account Funding Transaction) to pull funds from a consumer's registered external debit card into their Upward DDA. The card must already be registered through the card-registration component and have `pullEnabled: true`. `amount` is the gross amount debited from the card; the fee is deducted from it, so the consumer's DDA receives `amount - fee_amount`. Returns `200` with a payment in `pending`; settlement is reported asynchronously through the `Payment.Aft.Completed` webhook.

Authentication

AuthorizationBearer

Bearer authentication of the form Bearer <token>, where token is your auth token.

Request

This endpoint expects an object.

consumer_idstringRequiredformat: "uuid"

External ID of the consumer initiating the transfer.

external_payment_card_idstringRequiredformat: "uuid"

external_id of the registered external payment card to pull funds from. The card must belong to consumer_id and have pullEnabled: true.

amountdoubleRequired

Gross amount to pull in USD. Minimum 1.00; the maximum is the partner’s configured AFT limit. The fee is deducted from this amount, so the DDA is credited amount - fee_amount.

descriptionstringOptional

Optional description for the transaction. Defaults to Instant Funds Transfer In.

Response

AFT created and submitted

idstringformat: "uuid"

Unique identifier for this payment. Use it with GET /v2/payments/aft/{id}/.

consumer_idstringformat: "uuid"

External ID of the consumer associated with this payment.

external_payment_card_idstringformat: "uuid"

External ID of the payment card that was debited.

amountdouble

Gross transfer amount in USD, inclusive of fee_amount.

fee_amountdouble

Fee deducted from amount. The DDA is credited amount - fee_amount.

directionenum

Always Pull for AFT transactions.

statusenum

Lifecycle status of a card payment. pending is returned at creation; posted means funds have settled. pending_review indicates the payment is held for compliance review.

descriptionstringOptional

Description recorded against the transaction.

Errors

404

Not Found Error

422

Unprocessable Entity Error

$	curl -X POST /v2/payments/aft/ \
>	-H "Authorization: Bearer <token>" \
>	-H "Content-Type: application/json" \
>	-d '{
>	"consumer_id": "7cb94a21-1a3b-4891-9e12-6d1f5a2bc099",
>	"external_payment_card_id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
>	"amount": 50,
>	"description": "Wallet top-up"
>	}'

1	{
2	"id": "a1b2c3d4-0000-4000-8000-000000000001",
3	"consumer_id": "7cb94a21-1a3b-4891-9e12-6d1f5a2bc099",
4	"external_payment_card_id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
5	"amount": 50,
6	"fee_amount": 1.5,
7	"direction": "Pull",
8	"status": "pending",
9	"description": "Wallet top-up"
10	}