Introduction to `Payouts` {#payouts-intro-intro}
================================================

The `Payouts` service transfers funds from one account to another account using this two-step transaction process:

1. An *account funding transaction* (AFT) withdraws funds from a sender's account using standard credit card processing.
2. An *original credit transaction* (OCT) deposits the funds into a recipient's account.

An AFT and OCT are independent transactions, however, an AFT often precedes a corresponding OCT.  
During standard payment transactions, you initiate debits and credits to receive payments from cardholders for your goods and services. With `Payouts`, you provide a money transfer service by initiating AFT and OCT transactions that move funds between accounts. These are the money transfer types:

* An *account-to-account* payment transfers funds between accounts owned by the same person.
* A *business-to-person* payment transfers funds between a merchant and a cardholder.
* A *person-to-person* payment transfers funds between two cardholders.  
  For a person-to-person funds transfer, Pull and Push services are executed. When an AFT is authorized for a person-to-person transaction, the funds are available and can be withdrawn from the sender's account. This service is known as a *Pull* service. A subsequent OCT is authorized, and the funds are deposited into the recipient's account. This service is known as a *Push* service.  
  The `Payouts` system ensures that both Pull and Push services are executed efficiently, providing a seamless experience for users. By leveraging `Payouts`, businesses and individuals can streamline their financial operations, making transactions more efficient and reliable.  
  No merchant goods are involved in `Payouts` transactions.

> IMPORTANT
> You must receive approval from your processor before using the AFT service. Contact your processor to register for the AFT program.

Relaxed Requirements for Address Data and Expiration Date for AFTs
------------------------------------------------------------------

You can have your `Cybersource` account configured to enable relaxed requirements for address data and expiration date in your AFT request.

Relaxed Requirements for Address Data
:
Address Verification Service (AVS) compares portions of the billing address from the request message with address data on file at the issuing bank. Results are returned for the street address and for the postal code. Relaxed requirements for address data allow you to make address fields that are normally required, such as billing address, optional in your transaction request.

Relaxed Requirements for Expiration Date
:
The card expiration month and year from the request message are compared with the card expiration date on file at the issuing bank. Relaxed requirements for expiration date allow you to make expiration date fields optional in your transaction request.  
To enable relaxed requirements for address data and expiration date, contact customer support to configure your account for this feature.

Support Articles
:
* [Address Verification Service (AVS)](https://support.visaacceptance.com/knowledgebase/article/000001895/en-us "")
* [Can I disable Address Verification Services (AVS)?](https://support.visaacceptance.com/knowledgebase/knowledgearticle/?code=000001614 "")
* [What is the difference between Relaxed AVS and Ignore AVS?](https://support.visaacceptance.com/knowledgebase/knowledgearticle/?code=000002543 "")

Supported Recipient Card Types, Currencies, and Transactions
------------------------------------------------------------

The recipient card type for OCT is Visa.  
Recipient card type for AFTs:

* Mastercard
* Visa

Payment Network
---------------

**`Barclays`, `Chase Paymentech Solutions`, `FDC Compass`, and `Visa Platform Connect`**

Visa Direct
:
The Visa Direct payment network provides these functions for `Payouts`:

    * Enhanced message types for OCTs.
    * Account funding transactions (AFTs), which provide funds for OCTs.
    * Processes, policies, and underlying operating regulations and mandates for issuers and acquirers.

Mastercard Send
:
The Mastercard Send payment network transfers funds to Mastercard products. Mastercard Send enables customers to move funds quickly and safely and receive disbursements from businesses and governments.