Transfer Funds Instantly With Original Credit Transaction

Are you a business merchant needing to make refunds and payouts or pay commissions directly to clients?

The OCT (Original Credit Transaction) is a payment method that allows the direct electronic transfer of funds to any debit or credit card issued by Visa®️ and Mastercard®️ worldwide as well as any supported UnionPay®️ credit and debit cards issued out of mainland China. It’s one of the most cost-effective and reliable methods of transferring funds directly to your clients.

We facilitate Original Credit Transactions globally through the fast and secure PayAnyCard™ and PayMyCard™ card solutions.

Making refunds, payouts and commissions have never been easier for businesses! In fact, the benefits of using OCT (Original Credit Transaction) as a business merchant are endless.

For example:

  • Clients will receive the funds straight to the debit or credit card of their choice.
  • It’s a cost-effective and reliable method of transferring funds to your clients.
  • Acquirer Reference Number or “ARN” (for Visa®️ and Mastercard®️) provides traceable funds by uniquely tagging a card transaction when it goes from the merchant through the card network to the cardholder’s bank;
  • Funds can be sent and received to almost any country, in any cardholder currency.
  • Most funds are delivered instantly or the next working day.
  • With PayMyCard™ you can choose what currency to send your funds in.
  • Let’s break down the benefits a little more.

    Another great convenience of using our Original Credit Transaction service is that this solution allows us to process and make payment to more than 170 countries through our established network of providers

    Original Credit Transactions (OCT) is a quick, effective and cost-conscious way to send money to any customer through the 


     platform. What’s more, is that our PayAnyCard™ and PayMyCard™ trademark solutions allow businesses to cater the experience to their customers’ liking.

    Our extensive country coverage worldwide allows us to send funds in multiple currencies. No matter the currency or country, in many cases, cardholders can receive their funds almost instantly or the very next working day, dependent on the card-issuing bank.

    All payout transactions are made are extremely secure as they use the world-renowned Visa®️ and Mastercard®️ networks. Backed by Visa®️ and Mastercard®️’s payment security network, money transfers can be made directly and safely to a beneficiary’s debit or credit card. There is no requirement to enter BIC and IBAN details of the cardholder

    Let’s recap what the Original Credit Transactions (OCT) solution can do:

  • Funds can be sent and received in any cardholder currency.
  • The cardholder will receive funds faster than bank transfers and cheques.
  • Enjoy a reliable customer experience with a very high level of acceptance.
  • Original Credit Transactions offer competitive and fair pricing.
  • It’s convenient, secure and flexible.
  • As a business merchant, are you ready to start transferring funds easily and efficiently, with little cost? Original Credit Transactions (OCT) is a very fast and easy way to send money. If you have any questions, don’t hesitate to contact us at 


    MiFinity offers a wide range of services to suit both businesses and individuals needing payment solutions.

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    ®MiFinity UK Limited, trading as MiFinity, is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 [Register Ref. 900090] for the issuing of electronic money. Registered in Northern Ireland. Registered address: 28 School Road, Newtownbreda, Belfast, BT8 6BT, Northern Ireland. Registration No. NI611169.

    ®Mifinity Malta Limited, trading as MiFinity, is authorised by the Malta Financial Services Authority (“MFSA”) as a Financial Institution under the Financial Institutions Act 1994 (Chapter 376 of the Laws of Malta). Registered address: Level 3 (SUITE 2507), Tower Business Center, Tower Street, Swatar, Birkirkara, Malta. Registration Number C64824.