High-risk scenarios for Account Funding Transactions (AFTs) are those where Visa does not allow AFT processing, or requires merchants to process AFTs by an earlier date than the normal compliance dates.
Scenarios where Visa does not permit AFTs
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Inbound money movements into the United States
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Outbound money movements from cards issued in India
Scenarios where Visa has mandated AFT processing
You must always send transactions as AFT if you are processing money movement transactions for cards issued in Ukraine.
Important note – issuer specific AFT requirements
The previous requirement for all cross-border money movement transactions to be sent as AFT for specific European issuers no longer applies. You can continue to send transactions as purchase to these issuers until the relevant AFT mandate deadline takes effect in your markets.