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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. |
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. |