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Appendix A: 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 .
processingInformation.businessApplicationId
All acquirers, service providers, and merchants are required to submit a valid BAI value
when submitting AFTs.
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. | NOTE
If funding a prepaid account, don't use this value, use
TU . |
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.
|
FD | Funds Disbursement | |
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.
|
PD | Payroll Disbursement | |
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 | |
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.
|