Overview {#payouts_intro_overview}
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`Payouts` transfers funds from one account to another using a two-step model:

* An *account funding transaction* (AFT) withdraws funds from a sender's account using standard credit card processing.
* An *original credit transaction* (OCT) deposits funds into a recipient's account.

An AFT and OCT are independent transactions, though an AFT usually precedes a corresponding OCT.  
In typical payment transactions, you initiate debits and credits to receive payments from cardholders for your goods and services. With `Payouts`, you provide a money transfer service by initiating AFT and OCT transactions that move funds between accounts:

* A *business-to-person* payment moves funds between a merchant and a cardholder.
* A *person-to-person* payment moves funds between two cardholders.  
  No merchant goods are involved in `Payouts` transactions.  
  At present, `FDC Nashville Global` supports AFT services only.
  You must receive prior approval from ` FDC Nashville Global ` before using the AFT services. Contact ` FDC Nashville Global ` to register in the AFT program.