Business Application Identifier Values

The Business Application Identifier (BAI) is used to identify the category of the Account Funding Transaction (AFT). Provide one of the values when you send field

invoiceHeader_businessApplicationID

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

Ensure your acquirer has a Merchant Category Code (MCC) that aligns with the BAI values you are using. For more information, contact your acquirer.

Business Application Identifier Values
BAI Value	Category	Requirements
AA	Account-to-Account Money Transfer. The funding of the cardholder's own account at the same or a different financial institution Both accounts must be owned by the same person/entity.	If funding a prepaid account, don't use this value, use TU .
BB	Business to Business
BI	Financial Institution offered Bank-Initiated P2P Money Transfer	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. 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	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 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	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.