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Appendix C: Visa BAI to Mastercard TTI Mapping

These are the Visa BAI to Mastercard TTI mapping and their descriptions for different regions and transaction types.

Handling Wallet Transfer MCC Across All Regions

Visa Business Application Identifier (BAI)
:
WT
: Wallet transfer
Mastercard Transaction Type Indicator (TTI)
:
F61
Description
:
Mastercard specifies Merchant Category Codes (MCC) to retain Account Funding Wallet Transfers.
These are the MCCs:
  • 6051
     (Quasi-Cash: Merchant): The account provider’s primary activity is buying and selling cryptocurrency.
  • 6211
     (Securities-Brokers/Dealers): The account provider’s primary activity is purchasing, selling, or brokering high-risk securities.
  • 7800
    /
    7801
    /
    7994
    /
    7995
    /
    9406
     (gaming and gambling): The account provider’s primary activity is gaming or gambling.
  • 6540
     (Default
    WT
     MCC): Participants use the mentioned MCC for all other use cases for Transfers to Own Staged Digital Wallet Accounts.
NOTE
Acquirers must adjust the mapping accordingly to clear the file to align with the Auth MCC, and ensure accurate clearing and compliance.
The system will automatically overwrite the MCC in these scenarios if mapping is not adjusted:
  • When the client includes BAI as
    WT
     and MCC as
    6051
    , and the Transaction Purpose is
    16
     (securities), the system will set the TTI to
    F61
     and the MCC to
    6211
    .
  • When the client includes BAI as
    WT
     and MCC as
    6051
    , and the Transaction Purpose is
    11
     (cryptocurrency), the system will set the TTI to
    F61
     and retain the MCC as
    6051
    .
  • When the merchant sends
    6051
     for any other transaction purpose, the system will replace the MCC with
    6540
    .
  • When you send MCCs other than the ones mentioned above, the system will overwrite them to
    6540
    .

Handling Account to Account and Funds Transfer MCC for Non-Asia Pacific Region

Visa Business Application Identifier (BAI)
:
FT
: Funds Transfer
Mastercard Transaction Type Indicator (TTI)
:
F52
Description
:
Mastercard specifies MCCs to retain for Account to Account and Funds Transfer for the Non-Asia Pacific region.
These are the MCCs:
  • 6051
     (Quasi-Cash: Merchant): The account provider’s primary activity is buying and selling cryptocurrency.
  • 6211
     (Securities-Brokers/Dealers): The account provider’s primary activity is purchasing, selling, or brokering high-risk securities.
  • 7800
    /
    7801
    /
    7994
    /
    7995
    /
    9406
     (Gaming and Gambling): The account provider’s primary activity is gaming or gambling.
  • 4829
     (Default Funding Transactions): Participants use the mentioned MCC for all other use cases for Account to Account and Funds Transfer.
NOTE
Acquirers must adjust the mapping accordingly to clear the file to align with the Auth MCC, and ensure accurate clearing and compliance.
The system will automatically overwrite the MCC if mapping is not adjusted when you send MCCs other than the ones mentioned above. The system will overwrite them to
4829
.

Handling Account to Account and Funds Transfer MCC for Asia Pacific Region

Visa Business Application Identifier (BAI)
:
FT
: Funds Transfer
Mastercard Transaction Type Indicator (TTI)
:
F52
Description
:
Mastercard specifies MCCs to retain for Account to Account and Funds Transfer for the Asia Pacific region.
These are:
  • 4829
     (Money Transfer): Customers transfer funds via an electronic funds transfer/wire transfer/remittance to a named entity (both card-present and card-absent locations, including on the premises of the Merchant and third-party agents).
  • 6540
     (Fund Transfer): Participants use the mentioned MCC for all other use cases for fund transfer.
NOTE
Acquirers must adjust the mapping accordingly to clear the file to align with the Auth MCC, and ensure accurate clearing and compliance.
The system will automatically overwrite the MCC if mapping is not adjusted when you send MCCs other than the ones mentioned above. The system will overwrite them to
6540
.

Handling Person to Person Funding Transactions MCC Across Regions

Visa Business Application Identifier (BAI)
:
PP
: Person-to-Person Money Transfer
Mastercard Transaction Type Indicator (TTI)
:
F07
Description
:
Mastercard specifies MCCs to retain for general Person to Person funding transactions.
These are the MCCs:
  • 4829
     (Money Transfer): Customers transfer funds via electronic funds transfer/wire transfer/remittance to a named entity (both card-present and card-absent locations including on the premises of the Merchant and third-party agents).
  • 6540
     (Fund Transfer): Participants use this MCC for all other fund transfer use cases.
NOTE
Acquirers must adjust the mapping accordingly to clear the file to align with the Auth MCC, and ensure accurate clearing and compliance.
The system will automatically overwrite the MCC if mapping is not adjusted when you send MCCs other than the ones mentioned above. The system will overwrite them to
6540
.

Handling Person to Person to Card Account Transactions MCC Across Regions

Visa Business Application Identifier (BAI)
:
PP
: Person-to-Person Money Transfer
Mastercard Transaction Type Indicator (TTI)
:
F08
Description
:
Mastercard specifies MCCs to retain for general person-to-person to card account transactions.
Person-to-person to card account
: When a merchant conducts a person-to-person transaction and provides both the recipient's account type and account ID, the system classifies the transaction as a Person-to-Person to Card Account transaction. Then the system will apply the specified MCC.
This is the MCC:
  • 4829
     (Money Transfer): Customers transfer funds via electronic funds transfer/wire transfer/remittance to a named entity (both card-present and card-absent locations, including on-premises of the merchant and third-party agents).
NOTE
Acquirers must adjust the mapping accordingly to clear the file to align with the Auth MCC, and ensure accurate clearing and compliance.
The system will automatically overwrite the MCC if mapping is not adjusted when you send MCCs other than the ones mentioned above, the system will overwrite them to
6540
.
NOTE
Account Identifier Type and value are required for TTI
F08
. If the you send the transaction without this data, the system will map it as general person-to-person with TTI
F07
 (MCC
4829
 will be sent as is to Mastercard, and all others will map to
6540
).