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Appendix A: Business Application Identifier Values
The Business Application Identifier (BAI) is used to identify the category of the Account
Funding Transaction (AFT). Provide one of the values when you send field .
processingInformation.businessApplicationId
All acquirers, service providers, and merchants are required to submit a valid BAI value
when submitting AFTs.
BAI Value | Category | Requirements |
|---|---|---|
AA | Account-to-Account Money Transfer. The funding of the cardholder's
own account at the same or a different financial institution Both
accounts must be owned by the same person/entity. | NOTE
If funding a prepaid account, don't use this value, use
TU .For Mastercard transactions, the
recipientInformation.accountType field must
align with BAI value and must be either 01, 02, 03 or 06. |
FD | Funds Disbursement | Available only with Visa card
transactions. |
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. For Mastercard transactions, the
recipientInformation.accountType field must
align with BAI value and must be either 00, 01, 02, 03 or 06. |
PD | Payroll Disbursement | For Mastercard transactions, the
recipientInformation.accountType field must
align with BAI value and must be 06. |
TU | Prepaid Card Load or Top-Up | For Mastercard transactions, the
recipientInformation.accountType field must
align with BAI value and must be either 01, 02, 03 or 06. |
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. For Mastercard transactions, the
recipientInformation.accountType field must
align with BAI value and must be either 00, 01, 02, 03, 06 or
absent. |