Debit Card Payments

Overview

VoPay's Debit Card integration supports two Visa-network flows: OCT (Original Credit Transaction) for pushing funds to a debit card and AFT (Account Funding Transaction) for pulling funds from a debit card. Cards can be linked via an embedded iFrame or a tokenized link request flow.

Use Cases

• Instant Disbursements — Push funds directly to a customer's debit card for immediate access without needing bank account details.
• Gig Worker Payouts — Pay contractors or gig workers to their existing debit card at the end of a shift or job.
• Insurance Claim Payouts — Deliver approved claim settlements directly to a cardholder's account in real-time.
• Earned Wage Access — Allow employees to draw earned wages to their debit card on demand before payday.
• Account Funding — Pull funds from a customer's debit card to top up a wallet or platform balance.

Settlement Times