# Enhanced Funds Transfer Experience

## Fast, simple, secure funds transfer directly to any eligible debit or prepaid card

Optimized for:

- Acquirers
- ISVs

## Visa's Funds Transfer Solution

Provides eligible participants with the ability to instantly transfer funds, improve cash flow and create greater convenience for your customers. Person to person funds transfer, corporate or merchant disbursements for such things as tax refunds, insurance claims, rebates or affiliate or contractor payouts are such examples. The use of [Visa Direct](https://developer.visa.com/capabilities/visa_direct/docs) enables the transfer of funds to eligible debit and prepaid cards.

To help ensure smooth operation, validate whether a card can support successful transfer of funds using [Payment Account Validation](https://developer.visa.com/capabilities/pav/docs) and [Payment Attributes Inquiry](https://developer.visa.com/capabilities/paai/docs). The ability to pre-validate an eligible account and screen for lost, stolen, or expired accounts increases the probability of a successful and more seamless transaction flow.

While enabling your eligible customers to quickly transfer funds, increase the protection of sensitive card information from theft and fraud using [Visa Token Service](https://developer.visa.com/capabilities/vts/docs). Handle sensitive card information using a unique digital identifier called a token that facilitates payments processing without exposing actual account details.

Help reduce disruption in service due to outdated credential-on-file information by participating in [Visa Account Updater](https://developer.visa.com/capabilities/vau/docs) program.

## Visa Capabilities

- [Visa Direct](https://developer.visa.com/capabilities/visa_direct/docs)
- [Payment Account Validation](https://developer.visa.com/capabilities/pav/docs)
- [Payment Account Attributes Inquiry](https://developer.visa.com/capabilities/paai/docs)
- [Visa Token Service](https://developer.visa.com/capabilities/vts/docs)
- [Visa Account Updater](https://developer.visa.com/capabilities/vau/docs)

## Cardholder Benefits

- Improve cash flow by making funds available quicker
- Enable fast point to point payments, disbursements, reimbursements and refunds
- Reduce friction in the payments lifecycle by providing a more seamless funds transfer experience

## Need Support?

[Get help here](https://developer.visa.com/solutions/funds_transfer#)

## Ready to start?

[Get keys](https://developer.visa.com/portal/#users/new)

**Disclaimer:** Specific product compliance requirements need to be adhered to in the implementation. Please refer to the descriptions and documentation under the above links for particular requirements and eligibility with respect to each capability.