How AFTs Work
An AFT pulls money from a card and adds it to another account or stored balance. Businesses use AFTs for wallet load services, me-to-me transfer flows, prepaid top-ups, and remittances. Paywint supports both CIT/MIT payment models and transaction categories like MCC 6540 and MCC4829.
Real Time Processing and Tracking
Get instant processing and real time tracking for all your Account Funding Transactions right on the Paywint dashboard. It is the easiest way to monitor wallet activity, manage Mastercard account funding transaction reviews, and see your approval and settlement status go live without the wait.
Compliance and Fraud Monitoring
Paywint keeps your card funding flows safe and completely compliant with Visa and Mastercard rules. We execute backend security protocols, managing instant KYC/AML, fraud monitoring, transaction limits, and risk controls, so you can focus entirely on operations.
Frequently Asked Questions
What are Account Funding Transactions?
They are simply how your users pull money from a card to instantly top up their digital wallets, prepaid balances, brokerage accounts, or crypto wallets.
How do AFTs work?
We route the request through Visa or Mastercard for a quick green light. The moment it is approved, the funds hit the receiving account instantly and show up on your dashboard in real time.
Are AFTs secure?
Yes, completely. Paywint builds in smart fraud screening, quick KYC/AML checks, and constant transaction monitoring to keep all your wallet loads, remittances, and P2P payments totally safe.
Account Funding Transactions vs Original Credit Transactions
Account Funding Transactions move money from a card into another account for wallet load, prepaid top-up, or P2P transfers. OCTs send money back to cards for refunds, payouts, payroll, and B2C disbursements.
What Our Customers Say
Kevin Thompson
Northpoint Digital Services • Digital Platforms
“Funding accounts needs to be simple for customers and manageable for our team. A streamlined card-based funding process helps reduce unnecessary steps.”
Laura Peterson
Payments Manager
Brightlane Technologies • Technology
“We wanted better control over how funding transactions fit into our payment experience. Having card-based funding alongside other payment capabilities makes that easier.”