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MCC Codes
Visa - Mastercard - TSYS

What are MCC Codes?

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 0001-1499 - Agricultural Services

MCCDescriptionCard Brands
0742Veterinary Services
0763Agricultural Cooperatives
0780 Horticultural and Landscaping Services

MCC 1500-2999 - Contracted Services

MCCDescriptionCard Brands
1520General Contractors–Residential and Commercial
1711Air Conditioning, Heating and Plumbing Contractors
1731Electrical Contractors
1740Insulation, Masonry, Plastering, Stonework and Tile Setting Contractors
1750Carpentry Contractors
1761Roofing and Siding, Sheet Metal Work Contractors
1771Concrete Work Contractors
1799Contractors, Special Trade Contractors–not elsewhere classified
2741Miscellaneous Publishing and Printing
2791Typesetting, Plate Making and Related Services
2842Sanitation, Polishing and Specialty Cleaning Preparations

MCC 4000-4799 - Transportation Services

MCCDescriptionCard Brands
4011Railroads - Freight
4111 Transportation–Suburban and Local Commuter Passenger, including Ferries
4112Passenger Railways
4119Ambulance Services
4121Taxicabs and Limousines
4131Bus Lines
4214Motor Freight Carriers, Trucking–Local/Long Distance, Moving and Storage Companies, Local Delivery
4215Courier Services–Air and Ground, Freight Forwarders
4225Public Warehousing–Farm Products, Refrigerated Goods, Household Goods Storage
4411Cruise Lines
4457Boat Leases and Boat Rentals
4468Marinas, Marine Service/Supplies
4511Air Carriers, Airlines–not elsewhere classified
4582Airports, Airport Terminals, Flying Fields
4722Travel Agencies and Tour Operators
4723Package Tour Operators (Germany Only)
4761Telemarketing of Travel Related Services and Vitamins
4784Bridge and Road Fees, Tolls
4789Transportation Services Not Elsewhere Classified

MCC 4800-4999 - Utility Services

MCCDescriptionCard Brands
4812Telecommunication Equipment Including Telephone Sales
4813Key-Entry Telecom Merchant. Non-face-to-face environment using key entry
4814Telecommunication Services including but not limited to prepaid phone services and recurring phone services
4816Computer Network/Information Services
4821Telegraph Services
4829Wire Transfer Money Orders (V) Money Transfer (M)
4899Cable, Satellite, and Other Pay Television and Radio Services
4900 Utilities–Electric, Gas, Heating Oil, Sanitary, Water

MCC 5000-5599 - Retail Outlet Services

MCCDescriptionCard Brands
5013Motor Vehicle Supplies and New Parts
5021Office and Commercial Furniture
5039Construction Materials Not Elsewhere Classified
5044Office, Photographic, Photocopy and Microfilm Equipment
5045Computers, Computer Peripheral Equipment, Software
5046Commercial Equipment Not Elsewhere Classified
5047Dental/Laboratory/Medical/Ophthalmic Hospital Equipment and Supplies
5051Metal Service Centers and Offices
5065Electrical Parts and Equipment
5072Hardware Equipment and Supplies
5074Plumbing and Heating Equipment
5085Industrial Supplies Not Elsewhere Classified
5094Precious Stones and Metals, Watches and Jewelry
5099Durable Goods Not Elsewhere Classified
5111Stationery, Office Supplies, Printing and Writing Paper
5122Drugs, Drug Proprietors and Druggists Sundries
5131Piece Goods, Notions, and Other Dry Goods
5137Men’s, Women’s and Children’s Uniforms and Commercial Clothing
5139Commercial Footware
5169Chemicals and Allied Products Not Elsewhere Classified
5172Petroleum and Petroleum Products
5192Books, Periodicals and Newspapers
5193Florists Supplies, Nursery Stock and Flowers
5198Paints, Varnishes and Supplies
5199Non-Durable Goods Not Elsewhere Classified
5200Home Supply Warehouse Stores
5211Building Materials, Lumber Stores
5231Glass, Paint, Wallpaper Stores
5251Hardware Stores
5261Lawn and Garden Supply Stores
5271Mobile Home Dealers
5299Warehouse Club Gas
5300Wholesale Clubs
5309Duty Free Stores
5310Discount Stores
5311Department Stores
5331Variety Stores
5399Miscellaneous General Merchandise Stores
5411Grocery Stores, Supermarkets
5422Freezer and Locker Meat Provisioners
5441Candy, Nut and Confectionery Stores
5451Dairy Products Stores
5462Bakeries
5499Miscellaneous Food Stores–Convenience Stores, Markets, Specialty Stores, and Vending Machines
5511Automobile and Truck Dealers–Sales, Service, Repairs, Parts and Leasing
5521Automobile and Truck Dealers–(Used Only)–Sales
5532Automotive Tire Stores
5533Automotive Parts and Accessories Stores
5541Service Stations (With or Without Ancillary Services)
5542Fuel Dispenser, Automated
5551Boat Dealers
5561Camper Dealers, Recreational and Utility Trailers
5571Motorcycle Shops and Dealers
5592Motor Home Dealers
5598Snowmobile Dealers
5599Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers–Not Elsewhere Classified

MCC 5600-5699 - Clothing Stores

MCCDescriptionCard Brands
5611Men’s and Boys’ Clothing and Accessories Stores
5621Women’s Ready to Wear Stores
5631Women’s Accessory and Specialty Stores
5641Children’s and Infants’ Wear Stores
5651Family Clothing Stores
5655Sports Apparel, and Riding Apparel Stores
5661Shoe Stores
5681Furriers and Fur Shops
5691Men’s and Women’s Clothing Stores
5697Alterations, Mending, Seamstresses, Tailors
5698Wig and Toupee Shops
5699Accessory and Apparel Stores–Miscellaneous

MCC 5700-7299 - Miscellaneous Stores

MCCDescriptionCard Brands
5712Equipment, Furniture and Home Furnishings Stores (except Appliances)
5713Floor Covering Stores
5714Drapery, Upholstery and Window Coverings Stores
5718Fireplace, Fireplace Screens and Accessories Stores
5719Miscellaneous House Furnishing Specialty Shops
5722Household Appliance Stores
5732Electronics Sales
5733Music Stores–Musical Instruments, Pianos and Sheet Music
5734Computer Software Stores
5735Record Shops
5811Caterers
5812Eating Places and Restaurants
5813Bars, Cocktail Lounges, Discotheques, Nightclubs and Taverns–Drinking Places (Alcoholic Beverages)
5814Fast Food Restaurants
5815Digital Goods: Books, Movies, Music
5816Digital Goods: Games
5817Digital Goods: Applications (Excludes Games)
5818Digital Goods: Large Digital Goods Merchant (V) Digital Goods: Multi-Category (M)
5912Drug Stores and Pharmacies
5921Package Stores–Beer, Wine and Liquor
5931Second Hand Stores, Used Merchandise Stores
5932Antique Shops–Sales, Repairs and Restoration Services
5933Pawn Shops
5935Wrecking and Salvage Yards
5937Antique Reproduction Stores
5940Bicycle Shops–Sales and Service
5941Sporting Goods Stores
5942Book Stores
5943Office, School Supply and Stationery Stores
5944Clock, Jewelry, Watch and Silverware Stores
5945Game, Toy and Hobby Shops
5946Camera and Photographic Supply Stores
5947Card, Gift, Novelty and Souvenir Shops
5948Leather Goods and Luggage Stores
5949Fabric, Needlework, Piece Goods and Sewing Stores
5950Crystal and Glassware Stores
5960Direct Marketing Insurance Services
5961Mail Order Houses Including Catalog Order Stores
5962Direct Marketing–Travel Related Arrangement Services
5963Door-to-Door Sales
5964Direct Marketing–Catalog Merchants
5965Direct Marketing–Combination Catalog and Retail Merchant
5966Direct Marketing–Outbound Telemarketing Merchants
5967Direct Marketing–Inbound Telemarketing Merchants
5968Direct Marketing–Continuity/Subscription Merchants
5969Direct Marketing–Other Direct Marketers–Not Elsewhere Classified
5970Artist Supply Stores, Craft Shops
5971Art Dealers and Galleries
5972Stamp and Coin Stores–Philatelic and Numismatic Supplies
5973Religious Goods Stores
5974Rubber Stamp Store
5975Hearing Aids–Sales, Service, Supply Stores
5976Orthopedic Goods–Artificial Limb Stores
5977Cosmetic Stores
5978Typewriter Stores–Rentals, Sales, Service
5983Fuel Dealers–Coal, Fuel Oil, Liquefied Petroleum, Wood
5992Florists
5993Cigar Stores and Stands
5994News Dealers and Newsstands
5995Pet Shops, Pet Food and Supplies
5996Swimming Pools–Sales and Supplies
5997Electric Razor Stores–Sales and Service
5998Tent and Awning Shops
5999Miscellaneous and Specialty Retail Stores
6010Member Financial Institution–Manual Cash Disbursements
6011Member Financial Institution–Automated Cash Disbursements
6012Member Financial Institution–Merchandise And Services
6050Quasi Cash–Member Financial Institution
6051Quasi Cash–Merchant
6211Securities–Brokers and Dealers
6236Aero Servicio Carabobo
6300Insurance Sales, Underwriting and Premiums
6381Insurance–Premiums
6513Real Estate Agents and Managers–Rentals
6529Remote Stored Value Load — Member Financial Institution
6530Remove Stored Value Load — Merchant
6535Value Purchase–Member Financial Institution
6536MoneySend Intracountry
6537MoneySend Intercountry
6538MoneySend Funding
6539 Funding Transaction (Excluding MoneySend)
6540POI (Point of Interaction) Funding Transactions (Excluding MoneySend)
6611Overpayments
6760Savings Bonds
7011Lodging–Hotels, Motels, Resorts–not elsewhere classified