You must send transactions as Account Funding Transactions (AFTs) in the following cases:
- Visa: The transaction involves the funding of non-merchant accounts
- Mastercard: You process under particular Merchant Category Codes (MCCs)
Checkout.com will contact you if you need to process your transactions as AFTs during the onboarding process. If you were onboarded before these mandates took effect, you'll receive communications from updates@checkout.com