Business Application Identifier {#payouts-appendix-bai}
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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. |
[Business Application Identifier Values]