On This Page

Business Application Identifier

The Business Application Identifier (BAI) identifies the category of the Account Funding Transaction (AFT).
All acquirers, service providers, and merchants must submit a valid BAI value when submitting an AFT.
Provide one of the values when you send field
processingInformation.businessApplicationId
.
IMPORTANT
Ensure that your acquirer has a Merchant Category Code (MCC) that corresponds with the BAI value you are using. For more information, contact your acquirer.
Business Application Identifier Values
BAI Value
Category
Requirements
AA
Account-to-Account money transfer. This value is for funding the cardholder's own account at the same or a different financial institution
Both accounts must be owned by the same person or entity.
IMPORTANT
If you are funding a prepaid account, use the
TU
 value. Do not use the
AA
 value.
BI
Financial institution offered Bank-initiated P2P money transfer
P2P (person-to-person) money transfer is initiated from an online banking system, making it a bank-initiated transaction. This category is only used for specific scenarios and only available in limited markets. For more information, contact your Visa representative.
FD
Funds Disbursement
FT
Funds Transfer
If the funds will be used for a high-brand risk transaction, the applicable high-brand risk MCC must be used. If a wallet is used to purchase liquid and cryptocurrency assets, the applicable special condition indicator must be used.
PD
Payroll Disbursement
PP
Person-to-Person (P2P) money transfer
P2P Money Transfer is initiated from an online banking system, making it a bank-initiated transaction. This category is used only when both AFTs and OCTs are supported. When an AFT is only supported, use the
FT
 category.
TU
Prepaid Card Load or Top-up
WT
Staged Digital Wallet (SDW) Transfer
If the funds will be used for a high-brand risk transaction, the applicable high-brand risk MCC must be used. If the funds are used for a gambling transaction, the applicable gambling MCC must be used. If a wallet is used to purchase liquid and cryptocurrency assets, the applicable special condition indicator must be used. An AFT is not intended for debt repayment.