Business Application Identifier
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. |
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 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 | |
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.
|