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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.

Business Application Identifier Values
BAI Value	Category	Merchant Category Code	Transfer Type	Requirements
AA	Account-to-Account money transfer. This is for funding the cardholder's own account at the same or a different financial institution.	4829 Non-Financial Institution Wire Transfer Money Orders (not applicable in the US with BAI AA ) 6012 Financial Institutions – Merchandise and Services 6211 Security Brokers/Dealers	Money transfer	Both accounts must be owned by the same person or entity. If you are funding a prepaid account, use the TU value. Do not use the AA value.
BI	Financial Institution offered Bank-Initiated P2P Money Transfer.	6012 Financial Institutions – Merchandise and Services	Money transfer	P2P (Person-to-Person) Money transfer is initiated from an online banking system, making it a bank-initiated transaction. BAI BI should be used with MCC 6012 . A domestic AFT from a bank/financial institution can use BAI BI for a me-to-me or person-to-person transfer. IMPORTANT This category is used only for specific scenarios and available only in limited markets. For more information, contact your Visa representative.
FD	Funds Disbursement	Any MCC associated with the merchant	Non-Money transfer	Insurance payout in which a third party uses an AFT to fund the disbursement of OCT on behalf of the insurance company. Other examples include but are not limited to a shared economy, small business lending, healthcare, GIG worker payouts, corporate expense disbursement, and others.
FT	Funds Transfer	4829 Non-Financial Institution Wire Transfer Money Orders (WTMOs) 6012 Financial Institutions – Merchandise and Services 6540 Non-Financial Institutions – Stored Value Card Purchase/Load If you use funds for a high-brand risk transaction, the applicable high-brand risk MCC must be used. If the general purpose wallet is used to purchase liquid and cryptocurrency assets, the applicable special condition indicator (Field 60.4) = 7 must be used. Non-Fiat Currency is replaced with liquid and cryptocurrency assets. MCC 6211 Security Brokers/Dealers	Money transfer	Adding funds to or cashing out a Stored Value Digital Wallet (SVDW) account. Funding a Money Transfer in which the OCT is not enabled as the push mechanism to the recipient. Wallet providers must use BAI LA instead of FT for cashing out funds if the wallet is a general-purpose wallet, and 50% or more of their annual sales volume comes from liquid or cryptocurrency assets.
PD	Payroll Disbursement	8931 Accounting, Auditing, and Bookkeeping services including Payroll	Non-Money transfer	When a payroll provider disburses payroll on behalf of the small business who funds the transactions.
PP	Person-to-Person ( P2P ) Money Transfer	4829 Non-Financial Institution Wire Transfer Money Orders 6012 Financial Institutions – Merchandise and Services 6012 Financial Institutions- Merchandise and Services	Money transfer	Services that support AFT and OCT. If only AFT is supported, you must use BAI FT .
TU	Prepaid Card Load or Top-Up	6012 Financial Institutions – Merchandise and Services. 6051 Non-Financial Institutions – Foreign Currency, Liquid and Cryptocurrency Assets (for example, Cryptocurrency), Money Order (not Money Transfer), Travelers Check, and Debt Repayment 6540 Non-Financial Institutions – Stored Value Card Purchase/Load	Non-Money transfer	Merchants that sell other goods and services in addition to stored value cards and offer prepaid card load capability can use the MCC associated with the merchant’s primary business in accordance with the Visa Merchant Data Standards Manual.
WT	Staged Digital Wallet (SDW) Transfer	6051 Non-Financial Institutions – Foreign Currency, Liquid and Cryptocurrency Assets (for example Cryptocurrency), Money Orders (not Money Transfer), Account Funding (not Stored Value Load), Travelers Cheques, and Debt Repayment. An AFT is not intended for debt repayment. 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 the wallet is used to purchase Liquid and Cryptocurrency Assets (for example, Cryptocurrency), the applicable special condition indicator must be used.	Money transfer	When a Visa card is used to fund a SDW before the cardholder makes a purchase, you must use an AFT with a BAI WT . WT must be used only by registered Staged Digital Wallet Operators (SDWO). For additional information on SDW transactions, visit the SDWO section at Visa Access (Visa Online). Contact your Visa representative for additional information and requirements for digital wallets. Effective October 2024: Field 104 – Sender Data and Recipient Name will be required to support cross-border AFT. V.I.P. rejects AFTs with the existing reject code 0494 (when a field or data is missing or invalid).