This API can pull funds from the sender's Visa account in an Account Funding Transaction (AFT). It also provides functionality to push funds to the recipient's Visa account in an Original Credit Transaction (OCT). If a transaction is declined, the Funds Transfer API can also return the funds to the sender's funding source in an Account Funding Transaction Reversal (AFTR). Visa Direct allows you to push payments to eligible Visa accounts, fund transfers from a variety of sources and the ability to use APIs inside ATM’s, mobile, web, and in-branch applications. It is a payment service that lets people "push" money to over 1 billion Visa accounts through the Original Credit Transaction (OCT). Visa Direct consumer and business applications include: Money Transfer, Prepaid Load, Credit Card Bill Pay and Funds Disbursements.