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