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Dual Message Account Funding Transactions (AFTs) with Visa Secure {#payouts-services-auth-dual-message-aft-vs-intro}
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Account Funding Transactions allow a payment service provider to debit funds from a cardholder's Mastercard or Visa account to fund a non-merchant account. This is typically used to load funds onto prepaid cards and electronic wallets.  
Dual Message Account Funding Transactions (AFTs) provide the following benefits:

* Enables customers to identify Mastercard and Visa transactions during the authorization and settlement.
* Allows acquiring partners to use Dual Message BINs when performing a payout transaction.
* Enables users to safely validate their identity and safely store their personal identity.

Endpoint {#payouts-services-auth-dual-message-aft-vs-intro_d7e16}
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**Production:** `POST ``https://api.cybersource.com``/pts/v2/payments`{#payouts-services-auth-dual-message-aft-vs-intro_d7e25}  
**Test:** `POST ``https://apitest.cybersource.com``/pts/v2/payments`{#payouts-services-auth-dual-message-aft-vs-intro_d7e35}
