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Overview of Payouts {#payouts-intro-overview}
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The `Payouts` service transfers funds from one account to another using a two-step transaction process:

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

An AFT and OCT are independent transactions, however, an AFT often precedes a corresponding OCT.  
In typical 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 When an AFT is authorized for a person-to-person transaction, the funds are available and can be withdrawn from the sender's account.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.  
  This guide explains only how to process AFTs.

> IMPORTANT
> You must receive approval from ` Visa Platform Connect ` before using the AFT service. Contact ` Visa Platform Connect ` to register for the AFT program.  
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