FastAccess Funding
The FastAccess Funding feature allows you to fund a sub-merchant/customer within 30 minutes of submitting the fastAccessFunding transaction by pushing the funds to certain Mastercard or Visa cards held by your sub-merchant/customer.
When pushing funds to a Mastercard, you must include the expDate element.
Do not retry FastAccess transactions unless the decline message indicates you should try again later. Retrying declined FastAccess transaction may result in the system pushing funds to the account multiple times. If this occurs, Worldpay cannot recoup those funds from the sub-merchant/customer.
The example below uses the token structure to designate the card to which you are pushing the funds. This transaction type also allows the use of the card structure or the paypage structure in place of the token structure.
Example: FastAccess Funding Request (using a token)
<cnpOnlineRequest version="12.33" xmlns="http://www.vantivcnp.com/schema" merchantId="100">
<authentication>
<user>User Name</user>
<password>Password</password>
</authentication>
<fastAccessFunding id="A123456" reportGroup="FastPayment">
<!-- Direct mMerchants use fundingCustomerId and customerName instead of sub-merchant elements shown below -->
<fundingSubmerchantId>SomeSubMerchant</fundingSubmerchantId>
<submerchantName>Some Merchant Inc.</submerchantName>
<fundsTransferId>123e4567e89b12d3</fundsTransferId>
<amount>3000</amount>
<disbursementType>VMD</disbursementType>
<cardholderAddress>
<addressLine1>15 Main Street</addressLine1>
<city>San Jose</city>
<zip>95032-1234</zip>
<country>USA</country>
</cardholderAddress>
<token>
<cnpToken>1111000101039449</cnpToken>
<expDate>1112</expDate>
<cardValidationNum>987</cardValidationNum>
<type>VI</type>
</token>
</fastAccessFunding>
</cnpOnlineRequest>
Example: FastAccess Funding Response
<cnpOnlineResponse version="12.33" xmlns="http://www.vantivcnp.com/schema" response="0" message="Valid Format">
<fastAccessFundingResponse id="A123456" reportGroup="Fasy Payment">
<cnpTxnId>82823972759879805</cnpTxnId>
<fundsTransferId>123e4567e89b12d3</fundsTransferId>
<response>000</response>
<responseTime>2023-09-09T20:28:32</responseTime>
<postDate>2023-09-09</postDate>
<message>Approved</message>
</fastAccessFundingResponse>
</cnpOnlineResponse>