On This Page

{#jumplink-list}  
[Markdown](/content/cybsdeveloper2021/amer/en/docs/cybs/en-us/payouts/developer/fdiglobal/rest/payouts-dev/payouts-ref-intro/payouts-appendix-bai.md)

Business Application Identifier {#payouts-appendix-bai}
=======================================================

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. | > NOTE > If funding a prepaid account, do not use this value. Use ` TU ` instead.                                                                                                                                                                                                                                                                                               |
| `BB`      | Business-to-Business                                                                                                                                                                                  |                                                                                                                                                                                                                                                                                                                                                                                 |
| `BI`      | Financial Institution offered Bank-Initiated P2P Money Transfer                                                                                                                                       | P2P Money transfer is started from an online banking system, making it a bank-initiated transaction. This category is only used for specific scenarios and is only available in limited markets. For more information, contact your Visa representative. This value is only available with Visa card types.                                                                     |
| `CB`      | Consumer Bill Payment                                                                                                                                                                                 | This value is only available with Visa card types.                                                                                                                                                                                                                                                                                                                              |
| `CO`      | Cash Out                                                                                                                                                                                              |                                                                                                                                                                                                                                                                                                                                                                                 |
| `CP`      | Cash Bill Payment                                                                                                                                                                                     |                                                                                                                                                                                                                                                                                                                                                                                 |
| `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. This value is only available with Visa card types.                                                                                     |
| `GD`      | Government disbursement, including: * Government-initiated tax refunds * Government benefit and welfare disbursements {#payouts-appendix-bai_ul_lzj_1vn_pdc}                                          | This value is only available with Visa card types.                                                                                                                                                                                                                                                                                                                              |
| `GP`      | Gambling payout other than online gambling.                                                                                                                                                           | This value is only available with Visa card types.                                                                                                                                                                                                                                                                                                                              |
| `LO`      | Loyalty credits and rebates (not supported in European systems).                                                                                                                                      | This value is only available with Visa card types.                                                                                                                                                                                                                                                                                                                              |
| `NA`      | Merchant instant funding.                                                                                                                                                                             | This value is only available with Visa card types.                                                                                                                                                                                                                                                                                                                              |
| `MI`      | Merchant-initiated money transfer.                                                                                                                                                                    | This value is only available with Visa card types.                                                                                                                                                                                                                                                                                                                              |
| `MD`      | Merchant disbursement (acquirers or aggregators settling to merchants).                                                                                                                               |                                                                                                                                                                                                                                                                                                                                                                                 |
| `PD`      | Payroll Disbursement                                                                                                                                                                                  | This value is only available with Visa card types.                                                                                                                                                                                                                                                                                                                              |
| `PP`      | Person-to-Person (P2P) Money Transfer                                                                                                                                                                 | P2P Money transfer is started 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                                                                                                                                                                           | This value is only available with Visa card types.                                                                                                                                                                                                                                                                                                                              |
| `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. |
[Business Application Identifier Values]

RELATED TO THIS PAGE

* <>

