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 funding a prepaid account, don't use this value, use ` TU `. For Mastercard transactions, the recipientInformation.accountType field must align with BAI value and must be either 01, 02, 03 or 06.                                                                                                                                                                                                                                                                                                                    |
| `FD`      | Funds Disbursement                                                                                                                                                                     | Available only with Visa card transactions.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| `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. For Mastercard transactions, the recipientInformation.accountType field must align with BAI value and must be either 00, 01, 02, 03 or 06.                                                                                                                                                |
| `PD`      | Payroll Disbursement                                                                                                                                                                   | For Mastercard transactions, the recipientInformation.accountType field must align with BAI value and must be 06.                                                                                                                                                                                                                                                                                                                                                                                                                  |
| `TU`      | Prepaid Card Load or Top-Up                                                                                                                                                            | For Mastercard transactions, the recipientInformation.accountType field must align with BAI value and must be either 01, 02, 03 or 06.                                                                                                                                                                                                                                                                                                                                                                                             |
| `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. For Mastercard transactions, the recipientInformation.accountType field must align with BAI value and must be either 00, 01, 02, 03, 06 or absent. |
[Business Application Identifier Values]