Appendix A: Business Application Identifier Values {#payouts-appendix-bai}
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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 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                                                                 | P2P (person-to-person) 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. |
[Business Application Identifier Values]