The business application identifier (BAI) is a value provided by Visa to identify the type of Visa Money Transfer that is being performed. The bai field is available in the Auth API webhook payload and in the RDFs. The otype column indicates which otype corresponds to the BAI value: VH or VT.
| Code | Application type | otype |
|---|---|---|
| AA | Account to account | VH |
| BB | Business to business | VT |
| BI | Money transfer (bank-initiated) | VT |
| BP | Non-card bill payment | VH |
| CD | Cash deposit | VT |
| CI | Cash in | VT |
| CO | Cash out | VT |
| CP | Card bill payment | VH |
| FD | Funds disbursement (general) | VH |
| FT | Funds transfer | VT |
| GD | Government disbursement | VH |
| GP | Gambling payment (other than online gambling) | VH |
| LO | Loyalty and offers | VH |
| MD | Merchant disbursement | VH |
| MI | Merchant-initiated Money Transfer | VT |
| MP | Face-to-face merchant payment | VT |
| OG | Online gambling payout | VH |
| PD | Payroll/pension disbursement | VH |
| PP | Person to person | VT |
| PS | Payment for goods and services | VT |
| TU | Prepaid reload / top-up | VT |
| WT | Wallet transfer | VT |