MCC Codes (or merchant category codes) are assigned to merchant accounts to differentiate between types of business & industries. Each MCC has different transaction patterns and differing levels of fraud risk. Issuing banks use MCC codes to determine if they will accept processed transactions. As an example, certain MCC codes may be banned in certain states and won’t allow the transaction to be processed (CBD/THC sales, Online gambling etc). MCC codes also determine your chargeback protections, meaning if you are assigned a high-risk MCC code, you will likely pay higher chargeback fees. Lastly, MCC codes can also effect the processing rates of the merchants. An incorrectly assigned MCC code could cause a merchant to pay higher than necessary processing fees. With Visa’s roughly 500 different MCC Codes it is important for a merchant to make sure they are assigned to the correct code.
MCC | Description | Card Brands |
---|---|---|
0742 | Veterinary Services | |
0763 | Agricultural Cooperatives | |
0780 | Horticultural and Landscaping Services |
MCC | Description | Card Brands |
---|---|---|
1520 | General Contractors–Residential and Commercial | |
1711 | Air Conditioning, Heating and Plumbing Contractors | |
1731 | Electrical Contractors | |
1740 | Insulation, Masonry, Plastering, Stonework and Tile Setting Contractors | |
1750 | Carpentry Contractors | |
1761 | Roofing and Siding, Sheet Metal Work Contractors | |
1771 | Concrete Work Contractors | |
1799 | Contractors, Special Trade Contractors–not elsewhere classified | |
2741 | Miscellaneous Publishing and Printing | |
2791 | Typesetting, Plate Making and Related Services | |
2842 | Sanitation, Polishing and Specialty Cleaning Preparations |
MCC | Description | Card Brands |
---|---|---|
4011 | Railroads - Freight | |
4111 | Transportation–Suburban and Local Commuter Passenger, including Ferries | |
4112 | Passenger Railways | |
4119 | Ambulance Services | |
4121 | Taxicabs and Limousines | |
4131 | Bus Lines | |
4214 | Motor Freight Carriers, Trucking–Local/Long Distance, Moving and Storage Companies, Local Delivery | |
4215 | Courier Services–Air and Ground, Freight Forwarders | |
4225 | Public Warehousing–Farm Products, Refrigerated Goods, Household Goods Storage | |
4411 | Cruise Lines | |
4457 | Boat Leases and Boat Rentals | |
4468 | Marinas, Marine Service/Supplies | |
4511 | Air Carriers, Airlines–not elsewhere classified | |
4582 | Airports, Airport Terminals, Flying Fields | |
4722 | Travel Agencies and Tour Operators | |
4723 | Package Tour Operators (Germany Only) | |
4761 | Telemarketing of Travel Related Services and Vitamins | |
4784 | Bridge and Road Fees, Tolls | |
4789 | Transportation Services Not Elsewhere Classified |
MCC | Description | Card Brands |
---|---|---|
4812 | Telecommunication Equipment Including Telephone Sales | |
4813 | Key-Entry Telecom Merchant. Non-face-to-face environment using key entry | |
4814 | Telecommunication Services including but not limited to prepaid phone services and recurring phone services | |
4816 | Computer Network/Information Services | |
4821 | Telegraph Services | |
4829 | Wire Transfer Money Orders (V) Money Transfer (M) | |
4899 | Cable, Satellite, and Other Pay Television and Radio Services | |
4900 | Utilities–Electric, Gas, Heating Oil, Sanitary, Water |
MCC | Description | Card Brands |
---|---|---|
5013 | Motor Vehicle Supplies and New Parts | |
5021 | Office and Commercial Furniture | |
5039 | Construction Materials Not Elsewhere Classified | |
5044 | Office, Photographic, Photocopy and Microfilm Equipment | |
5045 | Computers, Computer Peripheral Equipment, Software | |
5046 | Commercial Equipment Not Elsewhere Classified | |
5047 | Dental/Laboratory/Medical/Ophthalmic Hospital Equipment and Supplies | |
5051 | Metal Service Centers and Offices | |
5065 | Electrical Parts and Equipment | |
5072 | Hardware Equipment and Supplies | |
5074 | Plumbing and Heating Equipment | |
5085 | Industrial Supplies Not Elsewhere Classified | |
5094 | Precious Stones and Metals, Watches and Jewelry | |
5099 | Durable Goods Not Elsewhere Classified | |
5111 | Stationery, Office Supplies, Printing and Writing Paper | |
5122 | Drugs, Drug Proprietors and Druggists Sundries | |
5131 | Piece Goods, Notions, and Other Dry Goods | |
5137 | Men’s, Women’s and Children’s Uniforms and Commercial Clothing | |
5139 | Commercial Footware | |
5169 | Chemicals and Allied Products Not Elsewhere Classified | |
5172 | Petroleum and Petroleum Products | |
5192 | Books, Periodicals and Newspapers | |
5193 | Florists Supplies, Nursery Stock and Flowers | |
5198 | Paints, Varnishes and Supplies | |
5199 | Non-Durable Goods Not Elsewhere Classified | |
5200 | Home Supply Warehouse Stores | |
5211 | Building Materials, Lumber Stores | |
5231 | Glass, Paint, Wallpaper Stores | |
5251 | Hardware Stores | |
5261 | Lawn and Garden Supply Stores | |
5271 | Mobile Home Dealers | |
5299 | Warehouse Club Gas | |
5300 | Wholesale Clubs | |
5309 | Duty Free Stores | |
5310 | Discount Stores | |
5311 | Department Stores | |
5331 | Variety Stores | |
5399 | Miscellaneous General Merchandise Stores | |
5411 | Grocery Stores, Supermarkets | |
5422 | Freezer and Locker Meat Provisioners | |
5441 | Candy, Nut and Confectionery Stores | |
5451 | Dairy Products Stores | |
5462 | Bakeries | |
5499 | Miscellaneous Food Stores–Convenience Stores, Markets, Specialty Stores, and Vending Machines | |
5511 | Automobile and Truck Dealers–Sales, Service, Repairs, Parts and Leasing | |
5521 | Automobile and Truck Dealers–(Used Only)–Sales | |
5532 | Automotive Tire Stores | |
5533 | Automotive Parts and Accessories Stores | |
5541 | Service Stations (With or Without Ancillary Services) | |
5542 | Fuel Dispenser, Automated | |
5551 | Boat Dealers | |
5561 | Camper Dealers, Recreational and Utility Trailers | |
5571 | Motorcycle Shops and Dealers | |
5592 | Motor Home Dealers | |
5598 | Snowmobile Dealers | |
5599 | Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers–Not Elsewhere Classified |
MCC | Description | Card Brands |
---|---|---|
5611 | Men’s and Boys’ Clothing and Accessories Stores | |
5621 | Women’s Ready to Wear Stores | |
5631 | Women’s Accessory and Specialty Stores | |
5641 | Children’s and Infants’ Wear Stores | |
5651 | Family Clothing Stores | |
5655 | Sports Apparel, and Riding Apparel Stores | |
5661 | Shoe Stores | |
5681 | Furriers and Fur Shops | |
5691 | Men’s and Women’s Clothing Stores | |
5697 | Alterations, Mending, Seamstresses, Tailors | |
5698 | Wig and Toupee Shops | |
5699 | Accessory and Apparel Stores–Miscellaneous |
MCC | Description | Card Brands |
---|---|---|
5712 | Equipment, Furniture and Home Furnishings Stores (except Appliances) | |
5713 | Floor Covering Stores | |
5714 | Drapery, Upholstery and Window Coverings Stores | |
5718 | Fireplace, Fireplace Screens and Accessories Stores | |
5719 | Miscellaneous House Furnishing Specialty Shops | |
5722 | Household Appliance Stores | |
5732 | Electronics Sales | |
5733 | Music Stores–Musical Instruments, Pianos and Sheet Music | |
5734 | Computer Software Stores | |
5735 | Record Shops | |
5811 | Caterers | |
5812 | Eating Places and Restaurants | |
5813 | Bars, Cocktail Lounges, Discotheques, Nightclubs and Taverns–Drinking Places (Alcoholic Beverages) | |
5814 | Fast Food Restaurants | |
5815 | Digital Goods: Books, Movies, Music | |
5816 | Digital Goods: Games | |
5817 | Digital Goods: Applications (Excludes Games) | |
5818 | Digital Goods: Large Digital Goods Merchant (V) Digital Goods: Multi-Category (M) | |
5912 | Drug Stores and Pharmacies | |
5921 | Package Stores–Beer, Wine and Liquor | |
5931 | Second Hand Stores, Used Merchandise Stores | |
5932 | Antique Shops–Sales, Repairs and Restoration Services | |
5933 | Pawn Shops | |
5935 | Wrecking and Salvage Yards | |
5937 | Antique Reproduction Stores | |
5940 | Bicycle Shops–Sales and Service | |
5941 | Sporting Goods Stores | |
5942 | Book Stores | |
5943 | Office, School Supply and Stationery Stores | |
5944 | Clock, Jewelry, Watch and Silverware Stores | |
5945 | Game, Toy and Hobby Shops | |
5946 | Camera and Photographic Supply Stores | |
5947 | Card, Gift, Novelty and Souvenir Shops | |
5948 | Leather Goods and Luggage Stores | |
5949 | Fabric, Needlework, Piece Goods and Sewing Stores | |
5950 | Crystal and Glassware Stores | |
5960 | Direct Marketing Insurance Services | |
5961 | Mail Order Houses Including Catalog Order Stores | |
5962 | Direct Marketing–Travel Related Arrangement Services | |
5963 | Door-to-Door Sales | |
5964 | Direct Marketing–Catalog Merchants | |
5965 | Direct Marketing–Combination Catalog and Retail Merchant | |
5966 | Direct Marketing–Outbound Telemarketing Merchants | |
5967 | Direct Marketing–Inbound Telemarketing Merchants | |
5968 | Direct Marketing–Continuity/Subscription Merchants | |
5969 | Direct Marketing–Other Direct Marketers–Not Elsewhere Classified | |
5970 | Artist Supply Stores, Craft Shops | |
5971 | Art Dealers and Galleries | |
5972 | Stamp and Coin Stores–Philatelic and Numismatic Supplies | |
5973 | Religious Goods Stores | |
5974 | Rubber Stamp Store | |
5975 | Hearing Aids–Sales, Service, Supply Stores | |
5976 | Orthopedic Goods–Artificial Limb Stores | |
5977 | Cosmetic Stores | |
5978 | Typewriter Stores–Rentals, Sales, Service | |
5983 | Fuel Dealers–Coal, Fuel Oil, Liquefied Petroleum, Wood | |
5992 | Florists | |
5993 | Cigar Stores and Stands | |
5994 | News Dealers and Newsstands | |
5995 | Pet Shops, Pet Food and Supplies | |
5996 | Swimming Pools–Sales and Supplies | |
5997 | Electric Razor Stores–Sales and Service | |
5998 | Tent and Awning Shops | |
5999 | Miscellaneous and Specialty Retail Stores | |
6010 | Member Financial Institution–Manual Cash Disbursements | |
6011 | Member Financial Institution–Automated Cash Disbursements | |
6012 | Member Financial Institution–Merchandise And Services | |
6050 | Quasi Cash–Member Financial Institution | |
6051 | Quasi Cash–Merchant | |
6211 | Securities–Brokers and Dealers | |
6236 | Aero Servicio Carabobo | |
6300 | Insurance Sales, Underwriting and Premiums | |
6381 | Insurance–Premiums | |
6513 | Real Estate Agents and Managers–Rentals | |
6529 | Remote Stored Value Load — Member Financial Institution | |
6530 | Remove Stored Value Load — Merchant | |
6535 | Value Purchase–Member Financial Institution | |
6536 | MoneySend Intracountry | |
6537 | MoneySend Intercountry | |
6538 | MoneySend Funding | |
6539 | Funding Transaction (Excluding MoneySend) | |
6540 | POI (Point of Interaction) Funding Transactions (Excluding MoneySend) | |
6611 | Overpayments | |
6760 | Savings Bonds | |
7011 | Lodging–Hotels, Motels, Resorts–not elsewhere classified | |
7012 | Timeshares | |
7032 | Sporting and Recreational Camps | |
7033 | Campgrounds and Trailer Parks | |
7210 | Cleaning, Garment and Laundry Services | |
7211 | Laundry Services–Family and Commercial | |
7216 | Dry Cleaners | |
7217 | Carpet and Upholstery Cleaning | |
7221 | Photographic Studios | |
7230 | Barber and Beauty Shops | |
7251 | Hat Cleaning Shops, Shoe Repair Shops, Shoe Shine Parlors | |
7261 | Funeral Service and Crematories | |
7273 | Dating Services | |
7276 | Tax Preparation Service | |
7277 | Debt, Marriage, Personal–Counseling Services | |
7278 | Buying/Shopping Clubs, Services | |
7280 | Hospital Patient-Personal Funds Withdrawal | |
7295 | Babysitting Services | |
7296 | Clothing Rental–Costumes, Uniforms and Formal Wear | |
7297 | Massage Parlors | |
7298 | Health and Beauty Spas | |
7299 | Other Services–Not Elsewhere Classified |
MCC | Description | Card Brands |
---|---|---|
7311 | Advertising Services | |
7321 | Consumer Credit Reporting Agencies | |
7332 | Blueprinting and Photocopying Services | |
7333 | Commercial Art, Graphics, Photography | |
7338 | Quick Copy, Reproduction and Blueprinting Services | |
7339 | Stenographic and Secretarial Support Services | |
7342 | Exterminating and Disinfecting Services | |
7349 | Cleaning and Maintenance, Janitorial Services | |
7361 | Employment Agencies and Temporary Help Services | |
7372 | Computer Programming, Data Processing and Integrated System Design Services | |
7375 | Information Retrieval Services | |
7379 | Computer Maintenance, Repair And Services–Not Elsewhere Classified | |
7392 | Consulting, Management and Public Relations Services | |
7393 | Detective Agencies, Protective Agencies, Security Services including Armored Cars, Guard Dogs | |
7394 | Equipment Rental and Leasing Services, Furniture Rental, Tool Rental | |
7395 | Photo Developing, Photofinishing Laboratories | |
7399 | Business Services Not Elsewhere Classified | |
7512 | Automobile Rental Agency–Not Elsewhere Classified | |
7513 | Truck Rental | |
7519 | Motor Home and Recreational Vehicle Rental | |
7523 | Automobile Parking Lots and Garages | |
7524 | Express Payment Service Merchants–Parking Lots and Garages | |
7531 | Automotive Body Repair Shops | |
7534 | Tire Retreading and Repair Shops | |
7535 | Automotive Paint Shops | |
7538 | Automotive Service Shops | |
7542 | Car Washes | |
7549 | Towing Services | |
7622 | Electronic Repair Shops | |
7623 | Air Conditioning and Refrigeration Repair Shops | |
7629 | Appliance Repair Shops, Electrical and Small | |
7631 | Clock, Jewelry and Watch Repair Shops | |
7641 | Furniture–Reupholstery, Repair and Refinishing | |
7692 | Welding Repair | |
7699 | Miscellaneous Repair Shops and Related Services | |
7800 | Government Owned Lottery | |
7801 | Government-Licensed Casinos (Online or Internet Gambling) | |
7802 | Government-Licensed Horse/Dog Racing | |
7829 | Motion Picture and Video Tape Production and Distribution | |
7832 | Motion Picture Theaters | |
7833 | Express Payment Service — Motion Picture Theater | |
7841 | DVD/Video Tape Rental Stores | |
7911 | Dance Halls, Schools and Studios | |
7922 | Theatrical Producers (Except Motion Pictures), Ticket Agencies | |
7929 | Bands, Orchestras and Miscellaneous Entertainers– Not Elsewhere Classified | |
7932 | Pool and Billiard Establishments | |
7933 | Bowling Alleys | |
7941 | Athletic Fields, Commercial Sports, Professional Sports Clubs, Sports Promoters | |
7991 | Tourist Attractions and Exhibits | |
7992 | Golf Courses, Public | |
7993 | Video Amusement Game Supplies | |
7994 | Video Game Arcades and Establishments | |
7995 | Gambling Transactions Betting (Sportsbook, fantasy, social gaming | |
7996 | Amusement Parks, Carnivals, Circuses, Carnivals, Fortune Tellers | |
7997 | Clubs–Country Clubs, Membership (Athletic, Recreation, Sports), Private Golf Courses | |
7998 | Aquariums, Dolphinariums, Zoos and Seaquariums | |
7999 | Recreation Services–Not Elsewhere Classified |
MCC | Description | Card Brands |
---|---|---|
8011 | Doctors–not elsewhere classified | |
8021 | Dentists and Orthodontists | |
8031 | Osteopathic Physicians | |
8041 | 8041 Chiropractors | |
8042 | Optometrists and Ophthalmologists | |
8043 | Opticians, Optical Goods and Eyeglasses | |
8044 | Optical Goods and Eyeglasses | |
8049 | Chiropodists, Podiatrists | |
8050 | Nursing and Personal Care Facilities | |
8062 | Hospitals | |
8071 | Dental and Medical Laboratories | |
8099 | Health Practitioners, Medical Services–Not Elsewhere Classified | |
8111 | Attorneys, Legal Services | |
8211 | Schools, Elementary and Secondary | |
8220 | Colleges, Universities, Professional Schools and Junior Colleges | |
8241 | Schools, Correspondence | |
8651 | Organizations, Political | |
8661 | Organizations, Religious | |
8675 | Automobile Associations | |
8699 | Organizations, Membership–Not Elsewhere Classified | |
8734 | Testing Laboratories (Non-Medical) | |
8743 | Testing Laboratories (Non-Medical) | |
8911 | Architectural, Engineering and Surveying Services | |
8931 | Accounting, Auditing and Bookkeeping Services | |
8999 | Professional Services–Not Elsewhere Classified |
MCC | Description | Card Brands |
---|---|---|
9034 | I-Purchasing Pilot | |
9211 | Court Costs Including Alimony and Child Support | |
9222 | Fines | |
9223 | Bail and Bond Payments | |
9311 | Tax Payments | |
9399 | Government Services–Not Elsewhere Classified | |
9401 | I-Purchasing Pilot | |
9402 | Postal Services–Government Only | |
9405 | Intra-Government Purchases–Government Only | |
9700 | Automated Referral Service | |
9701 | Visa Credential Server | |
9702 | GCAS Emergency Services | |
9751 | UK Supermarkets, Electronic Hot File | |
9752 | UK Petrol Stations, Electronic Hot File | |
9754 | Gambling-Horse, Dog Racing, State Lottery | |
9950 | Intra-Company Purchases |