# Enhanced Funds Transfer Experience

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

Provides eligible participants with the ability to instantly transfer funds, improve cash flow and create greater convenience for your customers.

# Available for use by

- Acquirer Banks
- Independent Developers

# Regional Availability

Global except Europe

## Visa's Funds Transfer Solution

Using Visa's collection of APIs empowers users to send person-to-person transfers as well as corporate or merchant disbursements of funds. This comes in handy for things like tax refunds, insurance claims, rebates or affiliate or contractor payouts. Individually, these APIs are powerful, but together, it creates a combo experience that helps through the entire customer lifecycle - from validation to funds transfer. Help your customers get their funds.

#### Capabilities and Scenarios

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Help reduce disruption in service due to outdated credential-on-file information by participating in [Visa Account Updater](https://developer.visa.com/capabilities/vau/docs) program.

### Key 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.

## APIs Used

### Visa Direct

The use of Visa Direct enables the transfer of funds to eligible debit and prepaid cards.

- [API Overview](https://developer.visa.com/capabilities/visa_direct)
- [API Docs](https://developer.visa.com/capabilities/visa_direct/docs)

### Payment Account Validation

Validate whether a card can support successful transfer of funds using Payment Account Validation.

- [API Overview](https://developer.visa.com/capabilities/pav)
- [API Docs](https://developer.visa.com/capabilities/pav/docs)

### Payment Attributes Inquiry

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.

- [API Overview](https://developer.visa.com/capabilities/paai)
- [API Docs](https://developer.visa.com/capabilities/paai/docs)

### Visa Token Service

Increase the protection of sensitive card information from theft and fraud using Visa Token Service.

- [API Overview](https://developer.visa.com/capabilities/vts)

### Visa Account Updater

Help reduce disruption in service due to outdated credential-on-file information by participating in Visa Account Updater program.

- [API Overview](https://developer.visa.com/capabilities/vau)
- [API Docs](https://developer.visa.com/capabilities/vau/docs)

##### Ready to Work with these APIs?

[Start a Project](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.