Examples of Funding Instructions

The example below shows a Batch containing the various funding instruction you can use. Do not mix other transaction types in a Batch containing funding instructions. Within a Session, do not mix Batches of funding instructions with Batches containing other transaction types.

Example:  cnpAPI Funding Instructions (Payment Facilitators)

<cnpRequest version="12.22" xmlns="http://www.vantivcnp.com/schema" numBatchRequests="1">

  <authentication>

    <user>username</user>

    <password>password</password>

  </authentication>

  <batchRequest merchantId="01601" numPayFacCredit="1" payFacCreditAmount="1000" numPayFacDebit="1" payFacDebitAmount="2000" numSubmerchantCredit="1" submerchantCreditAmount="3000" numSubmerchantDebit="1" submerchantDebitAmount="4000" numReserveCredit="1" reserveCreditAmount="5000" numReserveDebit="1" reserveDebitAmount="6000" numVendorCredit="1" vendorCreditAmount="7000" numVendorDebit="1" vendorDebitAmount="8000" numPhysicalCheckCredit="1" physicalCheckCreditAmount="9000" numPhysicalCheckDebit="1" physicalCheckDebitAmount="10000" sameDayFunding="true">

  <!-- Example of PayFac funding themselves. Funds move from the PayFac Settlement Account to the PayFac Operating Account. -->

    <payFacCredit id="abc12345" reportGroup="CollectedFees">

  <!-- ID of Submerchant associated with fee - NOT Payfac ID -->

      <fundingSubmerchantId>SomeSubMerchant</fundingSubmerchantId>

  <!-- Your internal tracking number for fund transfer -->

      <fundsTransferId>123e4567-e89b-12d3-a456-426655440000</fundsTransferId>

      <amount>1000</amount>

    </payFacCredit>

  <!-- Example of PayFac returning money to settlement account. Funds move from PayFac Operating Account to PayFac Settlement Account. -->

    <payFacDebit id="abc12346" reportGroup="MiscRefunds">

      <fundingSubmerchantId>SomeSubMerchant</fundingSubmerchantId>

      <fundsTransferId>123e4567-e89b-12d3-a456-426655440001</fundsTransferId>

      <amount>2000</amount>

    </payFacDebit>

  <!-- Example of PayFac funding the Submerchant. Funds move from the PayFac Settlement Account to the Submerchant Account. -->

    <submerchantCredit id="abc12347" reportGroup="SubMerchantPayment">

      <fundingSubmerchantId>SomeSubMerchant</fundingSubmerchantId>

      <submerchantName>Some Merchant Inc.</submerchantName>

      <fundsTransferId>123e4567-e89b-12d3-a456-426655440002</fundsTransferId>

      <amount>3000</amount>

      <accountInfo>

        <accType>Checking</accType>

        <accNum>123456789012</accNum>

        <routingNum>114567895</routingNum>

      </accountInfo>

      <customIdentifier>Co_Descriptor</customIdentifier>

    </submerchantCredit>

  <!-- Example of PayFac debiting the Submerchant. Funds move from the Submerchant Account to the PayFac Settlement Account. -->

    <submerchantDebit id="abc12348" reportGroup="SubMerchantRefund">

      <fundingSubmerchantId>SomeSubMerchant</fundingSubmerchantId>

      <submerchantName>Some Merchant Inc.</submerchantName>

      <fundsTransferId>123e4567-e89b-12d3-a456-426655440003</fundsTransferId>

      <amount>4000</amount>

      <accountInfo>

        <accType>Checking</accType>

        <accNum>123456789012</accNum>

        <routingNum>114567895</routingNum>

      </accountInfo>

      <customIdentifier>Co_Descriptor</customIdentifier>

    </submerchantDebit>

  <!-- Example of PayFac adding money into reserves. Funds move from the PayFac Settlement Account to the Reserve Account. -->

    <reserveCredit id="abc12349" reportGroup="Reserve">

      <fundingSubmerchantId>SomeSubMerchant</fundingSubmerchantId>

      <fundsTransferId>123e4567-e89b-12d3-a456-426655440004</fundsTransferId>

      <amount>5000</amount>

    </reserveCredit>

  <!-- Example of PayFac getting money from reserves. Funds move from the Reserve Account to the PayFac Settlement Account. -->

    <reserveDebit id="abc12350" reportGroup="SubMerchantRefund">

      <fundingSubmerchantId>SomeSubMerchant</fundingSubmerchantId>

      <fundsTransferId>123e4567-e89b-12d3-a456-426655440005</fundsTransferId>

      <amount>6000</amount>

    </reserveDebit>

  <!-- Example of PayFac funding the vendor. Funds move from the PayFac Settlement Account to the Vendor Account. -->

    <vendorCredit id="abc12351" reportGroup="vendorPayment">

      <fundingSubmerchantId>SomeVendor</fundingSubmerchantId>

      <vendorName>Some Vendor Inc.</vendorName>

      <fundsTransferId>123e4567-e89b-12d3-a456-426655440006</fundsTransferId>

      <amount>7000</amount>

      <accountInfo>

        <accType>Checking</accType>

        <accNum>123456789012</accNum>

        <routingNum>114567895</routingNum>

      </accountInfo>

      <vendorAddress>

<addressLine1>Address Line 1</addressLine1>

   <addressLine2>Address Line 2</addressLine2>

   <addressLine3>Address Line 3</addressLine3>

   <city>City</city>

   <state>State Abbreviation</state>

   <zip>Postal Code</zip>

   <country>Country Code</country>

      </vendorAddress>

    </vendorCredit>

  </batchRequest>

</cnpRequest>

Example:  cnpAPI Funding Instructions (Direct Merchant)

<cnpRequest version="12.22" xmlns="http://www.vantivcnp.com/schema" numBatchRequests="1">

  <authentication>

    <user>username</user>

    <password>password</password>

  </authentication>

  <batchRequest merchantId="01601" numPayoutOrgCredit="1" payoutOrgAmount="1000" numPayoutOrgDebit="1" payoutOrgAmount="2000" numCustomerCredit="1" customerCreditAmount="3000" numCustomerDebit="1" customerDebitAmount="4000" numReserveCredit="1" reserveCreditAmount="5000" numReserveDebit="1" reserveDebitAmount="6000" numVendorCredit="1" vendorCreditAmount="7000" numVendorDebit="1" vendorDebitAmount="8000" numPhysicalCheckCredit="1" physicalCheckCreditAmount="9000" numPhysicalCheckDebit="1" physicalCheckDebitAmount="10000" sameDayFunding="true">

  <!-- Example of Merchant funding themselves. Funds move from the Settlement Account to the Operating Account. -->

    <payoutOrgCredit id="abc12345" reportGroup="CollectedFees">

  <!-- ID of Customer associated with fee - NOT Merchant ID -->

      <fundingCustomerId>1234567890</fundingCustomerId>

  <!-- Your internal tracking number for fund transfer -->

      <fundsTransferId>123e4567-e89b-12d3-a456-426655440000</fundsTransferId>

      <amount>1000</amount>

    </payoutOrgCredit>

  <!-- Example of Merchant returning money to the Settlement account. Funds move from the Operating Account to the Settlement Account. -->

    <payoutOrgDebit id="abc12346" reportGroup="MiscRefunds">

      <fundingCustomerId>1234567890</fundingCustomerId>

      <fundsTransferId>123e4567-e89b-12d3-a456-426655440001</fundsTransferId>

      <amount>2000</amount>

    </payoutOrgDebit>

  <!-- Example of Merchant funding the customer. Funds move from theSettlement Account to the customer Account. -->

    <customerCredit id="abc12347" reportGroup="CustomerPayment">

      <fundingCustomerId>1234567890</fundingCustomerId>

      <customerName>John Doe</customerName>

      <fundsTransferId>123e4567-e89b-12d3-a456-426655440002</fundsTransferId>

      <amount>3000</amount>

      <accountInfo>

        <accType>Checking</accType>

        <accNum>123456789012</accNum>

        <routingNum>114567895</routingNum>

      </accountInfo>

      <customIdentifier>Cust_Descriptor</customIdentifier>

    </customerCredit>

    <!-- Example of Merchant adding money into reserves. Funds move from the Settlement Account to the Reserve Account. -->

    <reserveCredit id="abc12349" reportGroup="Reserve">

      <fundingCustomerId>1234567890</fundingCustomerId>

      <fundsTransferId>123e4567-e89b-12d3-a456-426655440004</fundsTransferId>

      <amount>5000</amount>

    </reserveCredit>

  <!-- Example of Merchant getting money from Reserves. Funds move from the Reserve Account to the Settlement Account. -->

    <reserveDebit id="abc12350" reportGroup="SubMerchantRefund">

      <fundingCustomerId>1234567890</fundingCustomerId>

      <fundsTransferId>123e4567-e89b-12d3-a456-426655440005</fundsTransferId>

      <amount>6000</amount>

    </reserveDebit>

  <!-- Example of Merchant funding the vendor. Funds move from the Settlement Account to the Vendor Account. -->

    <vendorCredit id="abc12351" reportGroup="vendorPayment">

      <fundingCustomerId>1234567890</fundingCustomerId>

      <vendorName>Some Vendor Inc.</vendorName>

      <fundsTransferId>123e4567-e89b-12d3-a456-426655440006</fundsTransferId>

      <amount>7000</amount>

      <accountInfo>

        <accType>Checking</accType>

        <accNum>123456789012</accNum>

        <routingNum>114567895</routingNum>

      </accountInfo>

      <vendorAddress>

<addressLine1>Address Line 1</addressLine1>

   <addressLine2>Address Line 2</addressLine2>

   <addressLine3>Address Line 3</addressLine3>

   <city>City</city>

   <state>State Abbreviation</state>

   <zip>Postal Code</zip>

   <country>Country Code</country>

      </vendorAddress>

    </vendorCredit>

  </batchRequest>

</cnpRequest>

Online Funding Instructions have the same structure as Batch transactions, except the parent element is cnpOnlineRequest as shown in the example below.

Example:  Online Sub-merchant Credit Request

<cnpOnlineRequest version="12.0" xmlns="http://www.vantivcnp.com/schema" merchantId="100" sameDayFunding="true">

  <authentication>

    <user>User Name</user>

    <password>Password</password>

  </authentication>

  <!-- Example of PayFac funding the Submerchant. Funds move from the PayFac Settlement Account to the Submerchant Account. -->

  <submerchantCredit id="A123456" reportGroup="SubMerchantPayment">

    <fundingSubmerchantId>SomeSubMerchant</fundingSubmerchantId>

    <submerchantName>Some Merchant Inc.</submerchantName>

    <fundsTransferId>123e4567-e89b-12d3-a456-426655440002</fundsTransferId>

    <amount>3000</amount>

    <accountInfo>

      <accType>Checking</accType>

      <accNum>123456789012</accNum>

      <routingNum>114567895</routingNum>

    </accountInfo>

    <customIdentifier>Co_Descriptor</customIdentifier>

  </submerchantCredit>

</cnpOnlineRequest>

All Funding Instruction responses, except the Void response, have the identical structure other than the parent element. The example shown below, for a payfacCreditResponse illustrates all response structures.

Example:  Funding Instruction Response

<payFacCreditResponse id="asdf12345" reportGroup="CollectedFees">

  <cnpTnxId>82823972759879805</cnpTxnId>

  <fundsTransferId>123e4567-e89b-12d3-a456-426655440000</fundsTransferId>

  <response>000</response>

  <responseTime>2017-09-09T20:28:32</responseTime>

  <message>Approved</message>

</payFacCreditResponse>

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