Business Application Indicator (BAI)

The Business Application Identifier (BAI) is a code provided by Visa to specify the type of Visa Money Transfer being conducted. During onboarding your transactions will be categorized with specific BAIs.

CodeApplication Type
AAAccount to account (A2A)
BBBusiness to business
BIMoney transfer (bank-initiated)
BPNon-card bill payment
CDCash deposit
CICash in
COCash out
CPCard bill payment
FDFunds disbursement (general)
FTFunds transfer
GDGovernment disbursement
GPGambling payment (other than online gambling)
LOLoyalty and offers
MDMerchant disbursement
MIMerchant-initiated Money Transfer
MPFace-to-face merchant payment
OGOnline gambling payout
PDPayroll/pension disbursement
PPPerson to person (P2P)
PSPayment for goods and services
TUPrepaid reload / top-up
WTWallet transfer


Questions? Contact Sales or make a post