customer/v1/token/fund

[POST] customer/v1/token/fund

Fund account via tokenized debit card

The tokenized fund endpoint allows customers to fund their account balance via transaction from an external debit card account. The card details are tokenized first, before being passed in the POST call as "paymentToken". The "cardType" for this transaction must be "TOKEN". Funds are not available immediately, they will display in the customer's current balance, but they require settlement before they display in the customer's available balance. All funding requests are made in the lowest possible denomination of a currency; eg a funding request for $1.00 USD will be sent as 100.

Avenu runs a chronjob every 15 minutes on normal banking days to check for debit funding requests in CAPTURED state. Transactions in CAPTURED state will be marked as SETTLED, allowing the customer to use those funds at that time. The funding transaction will be settled on the bank side on the next business day. Transactions made over the weekend or on bank holidays will be settled on the next business day. E.g., a debit fund transaction created on Saturday will stay in PENDING status until the chronjob runs on the next business day at midnight. If that transaction moves to a CAPTURED state at that time, the funds will be made immediately available to the customer and will settled in the clients' bank account the next business day.

Example [POST] Request

{{card_base_url}}/customer/v1/token/fund

{
    "amount" : 28700,
    "currency" : "USD",
    "memo" : "Debit card funding from Brittany for 28700",
    "cardType" : "TOKEN",
    "paymentToken" : "00000000-000000-000000-000000000000",
    "cardholderFirstname": "Brittany",
    "cardholderLastname": "Sanders",
    "cardholderCompany": "Amazon Inc.",
    "cardholderAddress1": "5 Oakwood Court",
    "cardholderAddress2": null,
    "cardholderCity": "Erlanger",
    "cardholderState": "KY",
    "cardholderZip": "41018",
    "cardholderCountry": "US",
    "cardholderPhone": "202-360-8494",
    "cardholderEmail": "[email protected]",
    "saveCard": false
}

Input Parameters

Parameter	Size/Absolute Value Restrictions	Format Restrictions	Required	Type
amount	>=100 and <= 100000	Funding amount in the lowest currency (cents)	Y	Numeric
currency	3	ISO 4217	Y	String
memo	200	None	N	Alphanumeric
cardType	50	Should accept "TOKEN" only	Y	Alpha
cardholderFirstName	50	No special characters (" !"#$%'*+.:;<=>?@[]^_`{\|}~")	Y	Alpha
cardholderLastName	50	No special characters (" !"#$%'*+.:;<=>?@[]^_`{\|}~")	Y	Alpha
cardholderCompany	100	No special characters " !"#$%'*+.:;<=>?@[]^_`{\|}~" Except: ()'-&,/	N	Alphanumeric
cardholderAddress1	128	None	Y	Alphanumeric
cardholderAddress2	128	None	N	Alphanumeric
cardholderCity	100	No special characters (" !"#$%'*+.:;<=>?@[]^_`{\|}~")	Y	Alpha
cardholderState	2	ISO 3166-2:US	Y	Alpha
cardholderZip	9	No dashes Has to be minimum of 5 digits or 9 digits if more than 5.	Y	Numeric
cardholderCountry	2	ISO 3166 - alpha 2	N	Alpha
cardholderPhone	10	No special characters (" !"#$%'*+:;<=>?[]^_`{\|}~") No dashes or hyphens	N	Numeric
cardholderEmail	320	No special characters (" !"#$%'*+:;<=>?[]^_`{\|}~") Exception: “At” sign - “@” allowed directly preceding the domain name. Alphanumeric prefix with the @ symbol followed by most common Top Level Domains (TLDs) .com/.co/.net/.org/.edu/.gov/.us	N	Alphanumeric

Card Types

Code	description	Notes
`TOKEN`	Tokenized debit card information	Requires paymentToken

Example Response

{
    "fund": {
        "amount": 28700,
        "currency": "USD",
        "memo": "Debit card funding from Brittany for 28700",
        "cardType": "TOKEN",
        "paymentToken": "00000000-000000-000000-000000000000",
        "cardholderFirstname": "Brittany",
        "cardholderLastname": "Sanders",
        "cardholderCompany": "Amazon Inc.",
        "cardholderAddress1": "5 Oakwood Court",
        "cardholderAddress2": null,
        "cardholderCity": "Erlanger",
        "cardholderState": "KY",
        "cardholderZip": "41018",
        "cardholderCountry": "US",
        "cardholderPhone": "202-360-8494",
        "cardholderEmail": "[email protected]",
        "saveCard": false
    },
    "transactionId": "cf.73220a80-b5e0-4dfb-b724-7cfd1f2e7430",
    "cardToken": "00000000-000000-000000-000000000000",
    "status": "PENDING",
    "dateCreated": "2024-07-19",
    "dateUpdated": "2024-07-19"
}

Response Elements

(In addition to elements found in the input parameters)

Element	Details
transactionId	UUID payment identifier
cardToken	Tokenized debit card information
status	Status of payment at end of transaction. See Payments Overview.
dateCreated	Transaction processed date in format ISO 8601 YYYY-MM-DD.
dateUpdated	Date of last status update in format ISO 8601 YYYY-MM-DD

Error Codes

Category	Response Code	Response Error Message
Format	AB3006	: Invalid Format
Size (S)	AB3010	: Invalid Length
Required (R)	AB3013	: Missing Required Field