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Dena Standley | November 17, 2022

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

When you see WUVISAAFT on your credit card statement ^^

Summary: When WUVISAAFT appears on credit card statements as authorized transactions, it can be confusing if you didn’t purchase anything from a company by that name. But if you look at the transaction again, you'll see a couple of good hints you can use to figure it out. SoloSuit is here to help.

When 'WUVISAAFT' shows up in your bank statement transaction history, it may mean some money was transferred using your credit card or debit card through Western Union Money transfer services.

Please note that the card used to transfer funds is not necessarily a Western Union-issued card. If and when you made the transfer, you could have used Western Union Services to transfer the money using a credit or debit card.

In this process, funds were transferred from your account to the recipient's debit card or prepaid card account, depending on the recipient's preference. Your card issuer likely supports Western Union's Visa Account Funding Transaction (AFT) for the transaction to appear on your statement.

Here's how to determine whether it's a legitimate credit card charge or a scam.

What does WUVISAAFT stand for?

The WUVISAAFT acronym can be further broken down into:

  • WU: Western Union
  • VISA: Visa credit account
  • AFT: Account Funding Transaction

As a multinational company, Western Union provides money transfer services for people looking to send funds locally, interstate, or even abroad.

Here are some typical scenarios:

  • Paying a bill (utility, restaurant, etc.)
  • Repaying family and friends' debts
  • International money transfers for family members

If you transferred funds using Western Union's Visa Direct Account Funding Transaction (AFT) service, you might have noticed that the words' WUVISAAFT 800-325-6000' appear on your bank statement as a deduction because of the funds transfer you carried out.

Of course, as with most large institutions, there is no guarantee of speaking to a real person if you attempt to call the number listed. The WUVISAAFT number listed is that of Western Union customer service.

The transaction can include the following variations:

  • WUVISAAFT 8003256000
  • WUVISAAFT 800-3256000 CO
  • WUVISAAFT 800-325-6000 CO
  • WUVISAAFT 800-325-6000 COUS
  • WUVISAAFT 800 325 6000 CO 80112
  • WUVISAAFT 800-325-6000 CO 80112
  • PYMT SENT WUVISAAFT 800-325-6000 CO

To understand what all of this means, let's break it down:

  • WUVISAAFT: Stands for Western Union, Visa Direct, and Account Funding Transaction (as seen above).
  • 800-325-6000: Essentially, this is Western Union's customer service number.
  • CO: The abbreviation for Colorado, where Western Union's headquarters is located.
  • COUS: Western Union's headquarters are in Colorado and the United States.
  • 80112: Zip code of Western Union's headquarters in Colorado.
  • PYMT: A simple abbreviation for "payment."

I haven't transferred money with Western Union, so why does "WUVISAAFT" appear on my statement?

You may see WUVISAAFT on your bank statement for one of the following reasons:

  • You forgot that you made the money transfer (one-off or recurring).
  • There may have been a mistake on the part of your card issuer.
  • Your card has been compromised.

How to detect fraudulent activity on your credit card

Identify whether the transaction credited or debited your account. If you've received a small deposit into your account, it's usually a scam. You may also notice suspicious activity when a significant deduction has been made from your credit card. Even more alarming is that, unknown to you, someone may have opened a credit card in your name and made legitimate payments.

But before filing a dispute with your card issuer, or contacting Western Union directly, make sure you compile as much information as possible. The WUVISAAFT label results from Western Union money transfer services on your card, whether you or someone else did the transaction.

Is Western Union Visa AFT compatible with credit or debit cards?

If you use an AFT (Account Funding Transaction) through the Visa Direct network, your debit or credit card can be used to withdraw the funds.

In addition to facilitating person-to-person transactions like paying bills and sending payments, this system allows businesses and governments to issue reimbursements and refunds. Depending on the money transfer service provider, the recipient must be identified through a phone number, an email address, or card account information, according to the process of transferring money.

Western Union, for example, can deposit funds directly into eligible accounts using the card credentials of its customers. You will see a transaction that resembles a credit or debit card purchase on your bank statement when you send money through Western Union. You can set up a one-time transfer or recurring payment using your card issuer's online banking facility.

Will the WUVISAAFT charge appear on my credit or debit card statement?

A WUVISAAFT transaction is the result of a debit or credit card transfer. Because debit cards contain funds already, they are typically used to transfer money. You can still use credit cards to make transfers, but it is not recommended because the transfer will be treated as a cash advance, resulting in fees and high-interest rates.

Credit card fees may seem insignificant in the short term but can add up over time. Knowing the fees discussed above is one of the best ways to avoid paying such outlandish fees. To protect your financial future and credit profile, pay bills on time, keep enough money in your bank account, and take care to pay off as much revolving debt as possible.

In summary

Review your monthly statement for a detailed review of your transaction history. If you find fraudulent activity in your billing statement, federal law states that you have 60 days to report it.

Make sure you read your credit card statement monthly to catch any mistakes immediately. You should always investigate unfamiliar charges to make sure you made or authorized the purchase.

As soon as you believe that the charge on your card is fraudulent, you should contact your card provider to begin the process of disputing the charge. Also, contact the merchant to resolve the issue if it's a billing error. You can also report any fraudulent activity to the Federal Trade Commission (FTC).

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