Payouts
 transfers funds to a recipient’s account in one of two ways:
  • An
    account funding transaction
     (AFT) loads funds into a merchant-held cardholder account using a Visa card. Examples of these accounts are pre-paid payment devices, pre-funded accounts on gaming website,s and staff vending cards.
  • An
    original credit transaction
     (OCT) deposits funds into a recipient’s account.