Account Funding Transactions (AFT) are required for merchants operating in specific money movement and financial services categories, as defined by card schemes.
AFT requirements apply to merchants with the following supported Merchant Category Codes (MCCs):
| Merchant Category Code | Description |
|---|---|
| 4829 | Money Transfer |
| 6012 | Financial Institutions – Money Orders / Foreign Currency |
| 6051 | Financial Institutions – Merchandise / Services / Debt Repayment |
| 6211 | Securities Brokers / Dealers |
| 6540 | Stored Value Card Purchase |
If your account uses one of the above MCCs, you must include the required AFT fields.