Payment transfer accounts are common in banks or third-party payment platforms. They provide this service to facilitate users to transfer money or pay between different accounts or platforms. For example, if you pay by credit card, the bank may first transfer the funds from the credit card account to the payment transfer account, and then transfer the funds from the account to the merchant's account.

This mechanism helps to ensure the reliability and security of transactions. By using transfer account, banks or payment platforms can better control the flow of funds, prevent potential fraud and ensure that funds reach the target account accurately.