Specification

What is AFT?

Account Funding Transactions (AFT) allow funds to be transferred from a customer payment card to another destination account.

AFT Use Cases

Account Funding Transactions (AFT) can be used in multiple money movement and payout scenarios where funds are transferred from a customer payment card to another destination account.

Typical AFT use cases include:

Wallet Top-Ups

Allow customers to fund digital wallets, prepaid balances, or stored value accounts using their payment cards.

Examples:

• financial wallets
• gaming balances
• prepaid accounts
• marketplace balances

Card to Card Transfers

Transfer funds from one payment card to another card-based destination account.

Examples:

• P2P payments
• internal balance movements

Remittance and Money Transfer

Enable domestic or international card-funded remittance flows.

Examples:

• cross-border transfers
• consumer remittance services
• instant card payouts

Loan or Credit Funding

Disburse approved credit or loan amounts to a destination card account.

Example:

• BNPL disbursements

Gaming and Betting Wallet Funding

Allow players to fund regulated gaming or betting wallets using payment cards.

Examples:

• sportsbook deposits
• casino wallet funding
• gaming balance top-ups

Supported Flow Types

AFT supports:

• oneshot transactions
• recurring tokenized transactions
• 3DS flows & non-3DS flows

ECI and transaction qualification

The eci (Electronic Commerce Indicator) field is now available as a dedicated field on AFT transactions. The ECI value reflects the authentication outcome of the transaction and can be included in checkout or order requests for finer transaction qualification and reporting.