> ## Documentation Index
> Fetch the complete documentation index at: https://docs.gr4vy.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Account funding transactions

Account Funding Transactions (AFT) involve a payment where the funds are sent to a destination that does not represent a regular purchase of goods or service, like a payment wallet, or a stock account.

To process, most PSPs require a merchant to be set up as this feature is generally only available for some merchant categories. AFTs for card payment are currently supported and support has been
added for passing details about the funding source (buyer) and recipient destination through the API.

## Supported connectors

The following connectors are currently supported for AFTs. Most of these require the source (buyer) and recipient's name, billing address, and account number. Please refer to the individual docs for more information.

* [Adyen](https://docs.adyen.com/online-payments/instant-card-funding/)
* [Checkout](https://www.checkout.com/docs/payments/manage-payments/perform-an-account-funding-transaction)
* [Nuvei](https://docs.nuvei.com/documentation/features/financial-operations/aft/)

## Making an AFT payment

To make an AFT payment, it's important to provide as much of the [`buyer`](/reference/transactions/new-transaction#body-buyer) and [`recipient`](/reference/transactions/new-transaction#body-recipient) data as is required by your payment service, and
to set the [`account_funding_transaction`](/reference/transactions/new-transaction#body-account-funding-transaction) flag to `true`.

## Limitations

There are a few limitations to the AFT integration.

* AFTs are powered by Visa Direct and Mastercard Send in the EU, and through other rails in other regions. Therefore,
  availability differs per market as well as the scheme of the card used.
* AFTs are often enabled at the payment service side, and passing through AFT flags for merchant account that have
  not been enabled may raise errors with some services, while in others they are simply ignored. Please verify that your account correctly
  handles the AFTs before proceeding to process live transactions.
* Although the AFT flags are sent to a service when requested, there is no guarantee the
  transaction was marked as an AFT by the downstream PSP unless it's been set up correctly.