How AFTs Work
An AFT pulls money from a card and moves it into another account. Businesses and users can use this flow to top up virtual cards, add funds to digital wallets, or move money between accounts they own. It also supports transfers to other people, such as peer to peer payments or pulling funds from a merchant card account to send payroll to employees.
Real Time Processing and Tracking
Account Funding Transactions process instantly and send real time confirmation. Paywint shows the transfer status and settlement details clearly in the dashboard. Teams can track wallet balances and funding history easily.
Compliance and Fraud Monitoring
AFTs must follow Visa and Mastercard card scheme rules and compliance requirements. Paywint applies real time fraud monitoring, transaction limits, and risk controls to protect card funding flows.
What Our Customers Say
Ethan Carter
"Paywint made it incredibly easy to manage my store and track sales. The reporting tools help me understand what products perform best, and I can adjust my inventory accordingly."
Miles Donovan
"Setting up my online store with Paywint was fast and simple. Now, I can focus on marketing and growing my customer base without worrying about managing orders or tracking stock."
Oliver Bennett
"Running a busy retail shop is tough, but Paywint’s all-in-one tools give me complete control over sales, inventory, and invoices. Everything is organized and accessible from one place."
Frequently Asked Questions
What are Account Funding Transactions?
Account Funding Transactions let people use their card to add money to a wallet or stored balance, so they can use that money inside the app later. With Paywint, you can top up digital wallets, virtual cards, and crypto wallets quickly, with instant card approval.
How do AFTs work?
AFTs send a card charge through Visa or Mastercard rails. Paywint receives issuer approval and posts funds to the wallet in real time. The system records every step for tracking.
Are AFTs secure?
Account funding follows card network security rules. Paywint monitors fraud, runs compliance checks, and applies transaction controls to prevent unauthorized funding and reduce chargeback risk.
Account Funding Transactions vs Original Credit Transactions
Account Funding Transactions move money from a card into another account, like topping up a wallet, prepaid card, payroll, or peer to peer payments. Original Credit Transactions (OCTs) send money back to a card for refunds, payouts, and marketplace disbursements.