Appendix A: Business Application Identifier

The Business Application Identifier (BAI is used to identify the category of the Account Funding Transaction (AFT).

All acquirers, service providers, and merchants are required to submit a valid BAI value when submitting AFTs.

BAI Value	Category	Merchant Category Code	Requirements
AA	Account-to-Account Money Transfer The funding of the cardholder's own account at the same or a different financial institution.	4829 : Non-Financial Institution Wire Transfer Money Orders (Not applicable in the U.S.) 6012 : Financial Institutions - Merchandise and Services 6211 : Security Brokers/Dealers	Both accounts must be owned by the same person/entity. If funding a prepaid account, don't use this value, use TU .
BI	Financial Institution offered Bank-Initiated P2P Money Transfer	6012 : Financial Institutions - Merchandise and Services	P2P 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	Any MCC associated with the merchant.
FT	Funds Transfer	4829 : Non-Financial Institution Wire Transfer Money Orders 6012 : Financial Institutions - Merchandise and Services 6051 : Non-Financial Institutions - Foreign Currency, Liquid and Cryptocurrency Assets, Money Orders, Account Funding, Travelers Cheques, and Debt Repayment. 6211 : Security Brokers/Dealers 6540 : Non-Financial Institutions - Stored Value Card Purchase/Load	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	8931 : Accounting, Auditing, and Booking services including payroll 6051 : Non-Financial Institutions - Foreign Currency, Liquid and Cryptocurrency Assets, Money Orders, Account Funding, Travelers Cheques, and Deb t Repayment. 6540 : Non-Financial Institutions - Stored Value Card Purchase/Load
PP	Person-to-person (P2P) Money Transfer	4829 : Non-Financial Institution Wire Transfer Money Orders 6012 : Financial Institutions - Merchandise and Services	P2P Money Transfer is initiated from an online banking system, making it a bank-initiated transaction. This category is only used when both AFTs and OCTs are supported. When only AFT is supported, use the FT category.
TU	Prepaid card load or top-up	6012 : Financial Institutions - Merchandise and Services 6051 : Non-Financial Institutions - Foreign Currency, Liquid and Cryptocurrency Assets, Money Orders, Account Funding, Travelers Cheques, and Debt Repayment. 6540 : Non-Financial Institutions - Stored Value Card Purchase/Load
WT	Staged Digital Wallet (SDW) Transfer	6051 : Non-Financial Institutions - Foreign Currency, Liquid and Cryptocurrency Assets, Money Orders, Account Funding, Travelers Cheques, and Debt Repayment.	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.