Unlock secure growth with account funding transactions

As digital commerce accelerates, not every transaction is the same.  Businesses need more than payment acceptance. They need a partner who enables secure money movement across borders and use cases.  

From loading a digital wallet to topping up a prepaid card, cardholders often face declines and security hurdles. For businesses, that means lost revenue, chargebacks and a weaker customer experience. 

As payment habits diversify – from buying cryptocurrency to quickly moving funds from one account to another – the need for secure, efficient account funding has never been greater. Account funding transactions (AFTs) are designed to meet this need, unlocking new opportunities for both businesses and consumers.  

What are account funding transactions? 

An account funding transaction lets businesses move money from a card to another account. Unlike a typical purchase, it’s designed purely for funding.  

With the cardholder’s authorization, a payment service provider securely “pulls” funds from the card and deposits them into a designated account. Once authorized and settled, funds are quickly available for use.  

When are AFTs used? 

AFTs are versatile and can be leveraged by businesses of all sizes across industries. Common use cases include: 

• Digital wallet funding:  Load value into digital, crypto or trading wallets using a card. 
• Peer-to-peer transfers: Send money as a gift or remittance to another individual. 
• Prepaid card top-ups: Add funds to prepaid cards via debit or credit card. 
• Disbursements: Streamline payroll or business-to-consumer payouts. 
• Back-to-back transfers: Combine AFTs with original credit transactions (OCTs) to “pull” funds from a card and “push” them to a recipient account. 

Benefits of account funding transactions 

Businesses, customers and financial institutions use AFTs for numerous reasons:  

1. Versatility across industries

AFTs support both consumer- and merchant-initiated transactions, domestically and globally, making fund transfers simple and scalable. 

2. Simplified customer journeys 

Tailor account funding to any payment scenario – between a cardholder’s own accounts or to a third party – while maintaining control and delivering a streamlined customer journey. 

3. Built-in security and compliance 

AFTs are designed for high-value and high-risk transactions, with robust security measures and full compliance with PCI DSS and card scheme requirements – protecting your business without adding unnecessary friction. 

4. Efficiency that protects revenue 

Reduce chargebacks and fraud risk while increasing payment acceptance. AFTs help protect your reputation and bottom line.  

Choosing the right AFT payment service provider 

To get the most from account funding, you need a partner with global reach, proven expertise and the scale to support growth.  Worldpay supports a wide range of AFT use cases, integrates with your existing payment flows and offers complementary services like payment optimization and global payouts – empowering your business to grow and adapt as customer needs evolve.  

Getting started with Worldpay 

With decades of experience and a commitment to innovation, Worldpay’s account funding solutions support enterprises and small businesses alike.

Ready to unlock better security, acceptance and customer satisfaction? Contact us or explore our documentation to get started.