Account Funded Transactions (AFTs)
An AFT is a transaction in which a cardholder's payment instrument is used to load or transfer funds into a non-merchant account.
About AFTs
An Account Funding Transaction (AFT) is a distinct transaction category recognised by Visa and Mastercard in which a cardholder's payment instrument is used to load or transfer funds into a non-merchant account, rather than to purchase goods or services. Common examples of AFT use include:
- Topping up a digital wallet or prepaid card.
- Funding a person-to-person (P2P) money transfer.
- Loading funds into a trading, gaming, or e-money account.
Because AFTs are treated differently from standard card purchases by the card schemes, additional data is required in the payment request so that a transaction can be correctly identified and processed as an AFT. Without this data, a transaction that should be classified as an AFT may instead be submitted as a standard purchase — which can result in incorrect interchange classification, scheme compliance failures, or processing rejections for merchants operating under AFT-eligible or AFT-mandated merchant category codes (MCCs).
BR-DGE enables you to flag a payment as an AFT and provide the additional data needed to have it correctly identified and processed as such.
Supported PSPs
AFT support is currently available for the following PSPs. This list will be extended as support for additional PSPs is added:
Updated 30 minutes ago