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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.
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 funding a prepaid account, do not use this
value. Use TU instead.For Mastercard transactions, the
recipientInformation.accountType field must
match the BAI value and must be either 01 ,
02 , 03 , or
06 . |
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
match the BAI value and must be either 00 ,
01 , 02 , 03 ,
or 06 . |
PD | Payroll Disbursement | For Mastercard transactions, the
recipientInformation.accountType field must
match the BAI value and must be 06 . |
TU | Prepaid Card Load or Top-Up | For Mastercard transactions, the
recipientInformation.accountType field must
match the 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
match the BAI value and must be either 00 ,
01 , 02 , 03 ,
06 , or absent. |