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High risk business
MCC 4814
Telecommunication Services including but not limited to prepaid phone services and recurring phone services.

Providers of telecommunication services such as local and long-distance telephone calls and fax services. Included are merchantsthat sell prepaid phone services such as calling cards, and merchants that provide periodic (for example, monthly) billing of telephone calls.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 4816
Computer Network/Information Services

Providers of computer network, information services, and other online services as electronic bulletin board, e-mail, web site hosting services, internet access, file storing, file exchange and cyberlockers. For merchants that offer products or services via the Internet, use the MCC that best describes the product or service being offered. For merchants that provide audiotext (for example, psychic hotlines) or videotext (for example, adult chat Internet sites) services, use MCC 5967. For providers of computer programming and data processing services, use MCC 7372.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 4821
Telegraph Services

Providers of telegraph and other nonverbal message communications services such as cablegrams,

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 4829
Wire Transfer Money Orders

A transaction in which funds are delivered or made available to a person or to an account. These transactions include non–face-to-face transactions such as those facilitated through the Internet. Any fee charged and included in the total transaction amount must be clearly disclosed to the cardholder before completing the transaction.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 4899
Cable, Satellite, and Other Pay Television and Radio Services

The connection and ongoing delivery of television programming or radio programming on a subscription or fee basis.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 4900
Utilities: Electric, Gas, Heating Oil, Sanitary, Water

The ongoing generation, transmission, or distribution of electricity, gas (natural or propane), home heating oil, water system supply services, or collection and disposal of refuse. For merchants providing telecommunication services, use MCC 4814.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5013
Motor Vehicle Supplies and New Parts

Wholesale distributors of motor vehicle accessories, tools, equipment, and new parts, including electric vehicle charging equipment designed for commercial use. For automotive repair work, use MCC 7531 or 7538 as appropriate. For electric vehicle charging services, use MCC 5552.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5021
Office and Commercial Furniture

Wholesale manufacturers or distributors of office furniture (for example, desks, chairs, cabinets, partitions, shelving, computer furniture) and commercial furniture (for example, restaurant tables and chairs, public park and building furniture, church pews, school desks, theater seats, chairs, tables, and magazine racks. For hospital lobbies or medical or dental reception areas). For wholesalers that manufacture or sell hospital equipment or furniture such as beds, use MCC 5047.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5039
Construction Materials, Not Elsewhere Classified

Wholesale distributors of construction materials such as prefabricated buildings, lumber and glass, architectural metalwork, awnings, fencing, metal buildings, and septic tanks Such merchants may or may not also sell paint and painting supplies. For wholesalers that primarily sell paint and painting supplies, use MCC 5198. For sellers and distributors of equipment used in construction projects, use MCC 5046.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5044
Office, Photographic, Photocopy and Microfilm Equipment

Wholesale distributors of office and photographic equipment such as film, cash registers, photocopy machines, microfilm machines, vaults and safes, typewriters, fax machines, adding machines, and mailing machines. For wholesalers of office furniture, use MCC 5021. For wholesalers of computer equipment, use MCC 5045.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5045
Computers, Computer Peripheral Equipment and Software

Wholesale distributors of computer hardware, software, and related equipment that may or may not conduct repair work Products. For sale may include computer monitors, disk drives, cables, keyboards, printers, scanners, modems, computer programs, and related accessories and equipment Such merchants may also sell desks or other office furniture specifically designed. For use with computers. For merchants that primarily sell computer furniture, use MCC 5021. For merchants that primarily conduct repair work, use MCC 7379.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5046
Commercial Equipment, Not Elsewhere Classified

Wholesale distributors of commercial machines and equipment not classified elsewhere Examples include food service and cooking equipment, neon signs, balances and scales, lockers, commercial ovens and microwaves, soda fountain fixtures, store fixtures, mannequins, vending machines, and equipment used in construction projects Such merchants may or may not also rent or lease equipment. For merchants that primarily rent or lease equipment, use MCC 7394.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5047
Dental/Laboratory/Medical/Ophthalmic Hospital Equipment and Supplies

Wholesale distributors of laboratory, surgical, orthopedic, patient monitoring, and other hospital equipment, and of wheel chairs, medical instruments, industrial safety devices, hospital beds, and other hospital supplies Also includes providers of dental laboratory, orthopedic, and professional supplies, diagnostic equipment, hearing aids, first-aid kits, therapy equipment, and X-ray machines and parts. For wholesalers of furniture such as chairs, tables, and magazine racks. For hospital lobbies or medical or dental reception areas, use MCC 5021. For wholesalers of hospital cleaning supplies, use MCC 2842.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5051
Metal Service Centres and Offices

Wholesale distributors of semi-finished metal products, excluding precious metals Products. For sale may include metal piping and tubing, wire screening and bale ties, nails, ingots, aluminum bars, rails, metal or galvanized sheets, strip metal, iron rods, and wire rope or cable Such merchants may operate with warehouses (metal service centers) or without warehouses (metals sales offices). For wholesale distributors of precious metals, use MCC 5094.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5065
Electrical Parts and Equipment

Wholesale distributors of electrical parts and communications equipment Products. For sale may include electronic coils, capacitors, electronic condensers, diodes, semiconductor devices, public address equipment, and electric signs. For retailers that sell electronic equipment, use MCC 5732. For retailers that sell telecommunications equipment such as telephones and pagers, use MCC 4812.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5072
Hardware Equipment and Supplies

Wholesale distributors of general hardware and blades Products. For sale may include bolts, nuts, rivets, screws, fasteners, hand tools, locks, washers, tacks, staples, nails, hand saws, saw blades, and power hand tools. For retailers that sell hardware, use MCC 5251.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5074
Plumbing and Heating Equipment and Supplies

Wholesale distributors of hydraulic plumbing and heating equipment and supplies Products. For sale may include valves, fixtures, fittings, convectors, boilers, brass goods, furnaces, prefabricated fireplaces, radiators and parts, solar heating panels and equipment, and water heaters. For wholesaler distributors of commercial refrigeration equipment and supplies, or appliances such as electric or gas ranges and commercial ovens, use MCC 5046.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5085
Industrial Supplies, Not Elsewhere Classified

Wholesale distributors of industrial supplies not elsewhere classified Products. For sale may include abrasives, bearings, boxes, cans, crates, cork, gaskets, grommets, hydraulic valves, hoses, pistons, sprockets, barrels, bottles (glass or plastic), industrial fittings, cordage, twine and rope, metals closures, printers’ ink, lapidary equipment, leather belting, mill supplies, pails, rubber goods, textile printers’ supplies, and steel drums.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5094
Precious Stones and Metals, Watches and Jewellery

Wholesale distributors of jewelry, timepieces, precious stones, and metals Products. For sale may include costume jewelry, watches and watch parts, clocks, silverware, pearls, diamonds and other gem stones, gold, platinum and other precious metals, and trophies Such merchants may or may not conduct repair work. For merchants that primarily conduct repair work, use MCC 7699. For retailers of the items listed here, use MCC 5944.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5099
Durable Goods, Not Elsewhere Classified

Wholesale distributors of durable goods not elsewhere classified Products. For sale may include fire extinguishers, firearms, gas lighting fixtures, monuments and grave markers, prerecorded cassettes, cordwood, rough timber products, wood chips, non-electric signs, musical instruments, and luggage. For wholesale distributors of electric signs, use MCC 5065.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5111
Stationery, Office Supplies and Printing and Writing Paper

Wholesale distributors of stationery, office supplies, and printing and writing paper Products. For sale may include business. Forms, photocopying supplies, file cards and folders, pens, pencils, envelopes, typewriter and printer ribbons, loose-leaf binders, sales and receipt books, and photo albums and scrapbooks. For wholesaler distributors of office machines such as typewriters and photocopiers, use MCC 5044. For wholesale distributors of office furniture, use MCC 5021.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5122
Drugs, Drug Proprietaries and Druggists’ Sundries

Wholesale distributors of prescription and drugs, vitamins, toiletries, antiseptics, bandages, pharmaceuticals, biological or related products, and other miscellaneous small articles typically. For sale in drug stores. For wholesale distributors of surgical, hospital, or dental supplies, use MCC 5047.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5131
Piece Goods, Notions and Other Dry Goods

Wholesale distributors of piece goods and dry goods Products. For sale may include cheesecloth, drapery material, draperies or other window coverings, fiberglass fabrics, zippers, natural or synthetic cloth sold by the yard, belt and buckle assembly kits, textile binding, buttons, knit and lace fabrics, ribbon, sewing accessories, thread, and trimmings.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5137
Men’s, Women’s and Children’s Uniforms and Commercial Clothing

Wholesale distributors of work-related clothing and all types of uniforms. For men, women, and children, including shoes, undergarments and coats, graduation caps and gowns, uniforms. For athletics and recreational activities such as ballet, karate, softball and football, and private or religious school uniforms. For wholesale distributors of commercial footwear, use 5139. For retailers that sell apparel and accessories, use the most appropriate retail merchant MCC.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5139
Commercial Footwear

Wholesale distributors of commercial shoes and boots, including athletic and leather footwear. For retailers that sell footwear, use MCC 5661.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5169
Chemicals and Allied Products, Not Elsewhere Classified

Wholesale distributors of chemicals and allied products not elsewhere classified Products. For sale are typically used. For industrial purposes Examples include industrial acids, ammonia and alcohol, heavy, aromatic and other chemicals, chlorine, compressed and liquefied gases, detergents, fuel and oil additives, resins, salts, turpentine, sealants, rust proofing chemicals, coal tar products, dry ice, dyestuffs, glue, gelatin, and explosives. For retailers that sell fireworks, use MCC 5999. For sellers of chemicals and solutions. For cleaning and sanitation purposes, use MCC 2842.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5172
Petroleum and Petroleum Products

Wholesale distributors of petroleum and petroleum products, such as butane gas, crude oil, fuel oil, gasoline, kerosene, lubricating oils and greases, and naphtha Merchants that provide aircraft fueling services are also included. For retailers that sell fuel oil, heating oil, wood, coal, or gas propane, use MCC 5983.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5192
Books, Periodicals and Newspapers

Wholesale manufacturers and distributors of books, periodicals, magazines, journals, newspapers, pamphlets and educational materials Newspaper agencies are also included. For wholesale printers or publishers of books, periodicals, and magazines, use MCC 2741. For retailers that sell books, use MCC 5942

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5193
Florists’ Supplies, Nursery Stock and Flowers

Wholesale distributors of flowers, nursery stock and florists’ supplies, fresh and artificial flowers, and potted plants. For retail flower and plant shops, use MCC 5992.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5198
Paints, Varnishes and Supplies

Wholesale distributors of paints, varnishes, wallpaper, and supplies The product line of such merchants may include colors and pigments, enamels, lacquers, paint brushes, paint pans, sandpaper, drop cloths, shellac, rollers, and sprayers. For retailers that sell these items, use MCC 5231.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5199
Nondurable Goods, Not Elsewhere Classified

Wholesale distributors of nondurable goods not elsewhere classified The product line of such merchants may include food products, art and craft goods, clothes hangers, foam rubber, ice, crude rubber, sponges, textile bags, burlap, canvas products, baskets, gifts and novelties, leather and cut stock, and other leather goods except footwear. For wholesalers that primarily sell leather footwear, use MCC 5139. For retailers that sell art and craft supplies, use MCC 5970. For sellers of gifts and novelties, use MCC 5947.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5200
Home Supply Warehouse Stores

Merchants open to the general public that sell a wide range of home products and supplies, such as wallpaper, paint, lumber, garden supplies, electrical and lighting equipment and supplies, and home decorating items These merchants also may sell finished products such as sinks, cabinets, and doors as well as “do-it-yourself” kits.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5211
Lumber and Building Materials Stores

Merchants that sell lumber and other building materials, including building centers that offer their products to contractors rather than to the general public. Products for sale may include lumber, unfinished wood items, lighting materials, concrete, sand, gravel, general building or electrical supplies, bricks, fencing, pipe, fiberglass, and molding. For large warehouse or discount home supply store chains frequented by the general public, use MCC 5200. For contractors, use the most appropriate Contracted Services.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5231
Glass, Paint and Wallpaper Stores

Retailers that sell glass, paint and painting supplies, wallpaper and hanging supplies, and other wall covering materials. For wholesale distributors of painting supplies, use MCC 5198.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5251
Hardware Stores

Merchants that sell a full range of hardware supplies. For purchase by the general public Products. For sale may include small ticket electrical supplies, wiring, nuts, bolts, nails, screws, hammers, screwdrivers and other small tools, washers, keys, lights bulbs, brackets, and plumbing supplies. For large warehouse or discount home supply store chains, use MCC 5200.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5261
Nurseries and Lawn and Garden Supply Stores

Merchants that sell nursery stock, trees, shrubs, potted plants, seeds, bulbs, mulches, soil conditioners, fertilizers, pesticides, garden tools, and other garden supplies.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5271
Mobile Home Dealers

Merchants that sell new and used mobile homes, related parts, accessories, and equipment.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5300
Wholesale Clubs

Operators of warehouse-style, “no frills” stores that sell a wide variety of merchandise in bulk, and concentrate on price appeal. Such merchants may or may not have membership requirements. Products for sale may include household supplies and appliances, office supplies and equipment, dry groceries and perishables, household and office furniture, electronics, and auto supplies.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5309
Duty Free Stores

Shops selling a variety of gift and import items that are typically exempt from custom fees, such as jewelry, cosmetics, cigarettes, and liquor. Generally, these merchants are located within airport terminals and hotels.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5310
Discount Stores

Merchants selling a general line of merchandise at a discounted rate. Products for sale may include apparel, housewares, home furnishings, personal care products, and electronics. Such merchants typically operate a garden shop, have a primary checkout location at the front of the store, and promote and advertise low prices on an ongoing basis.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5311
Department Stores

Larger merchants selling a general line of merchandise from departments that usually have separate checkout counters. Products for sale may include apparel, home furnishings, furniture, electronics, cosmetics, housewares, and major household appliances.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5331
Variety Stores

Merchants offering a varied but limited selection of merchandise in the low or popular price range. Such stores generally are not departmentalized, do not offer charge or credit cards, and do not deliver merchandise. Variety stores offer merchandise similar to that sold by discount stores, but operate on a much smaller scale.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5399
Miscellaneous General Merchandise

Small- to mid-sized merchants selling a general line of merchandise from departments that usually have separate checkout counters. Products for sale may include apparel, dry goods, hardware, housewares, home furnishings, electronics, furniture, and cosmetics. Such merchants often offer charge or credit accounts, deliver merchandise, and maintain open stocks. General merchandise stores offer merchandise similar to that sold by department stores, but operate on a much smaller scale.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5411
Grocery Stores and Supermarkets

Merchants that sell a complete line of food merchandise for home consumption. Food products for sale include groceries, meat, produce, dairy products, and canned, frozen, prepackaged, and dry foods. Other products for sale may include a limited selection of housewares, cleaning and polishing products, personal hygiene products, cosmetics, greeting cards, books, magazines, household items, and dry goods These merchants also may operate specialized departments such as an in-store deli counter, meat counter, pharmacy, or floral department. For convenience stores that sell a limited selection of products or specialty items, use MCC 5499.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5422
Freezer and Locker Meat Provisioners

Merchants that sell fresh, frozen, or cured meats, and fish, shellfish, and other seafoods, and includes bulk retail sellers of meat for freezer storage. Meat markets included in this MCC may butcher their own animals, or buy meat from others for poultry shops, use MCC 5499.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5441
Candy, Nut and Confectionery Stores

Merchants that sell candy, chocolate, nuts, dried fruits, popcorn, and other confections.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5451
Dairy Products Stores

Merchants that sell over-the-counter packaged dairy goods. Products for sale may include butter, cheese, packaged ice cream, and milk.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5462
Bakeries

Merchants that sell bakery goods, and often prepare the goods on the premises. Products for sale may include bagels, bread, cookies, doughnuts, pastries, pies, and wedding cakes.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5499
Miscellaneous Food Stores—Convenience Stores and Speciality Markets

Merchants that sell specialty foods not elsewhere classified. This MCC includes specialty food markets, health food and dietary supplement stores, delicatessens, poultry shops, coffee stores, vegetable and fruit markets, ice cream and yogurt shops, and convenience stores. For convenience stores that also sell automotive gasoline, use MCC 5541. For merchants that primarily sell meat and seafood, use MCC 5422.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5511
Car and Truck Dealers (New and Used)— Sales, Service, Repairs, Parts and Leasing

Merchants that sell new and used automobiles, trucks, pickups, and vans. These merchants may also conduct repair work and carry a stock of replacement parts and accessories. If the merchant’s primary business is to conduct repair work, use MCC 7538.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5521
Car and Truck Dealers (Used Only)—Sales, Service, Repairs, Parts and Leasing

Merchants that sell used automobiles and trucks only, with no sales of new vehicles. Vehicles for sale may include used pickups, vans, and antique or vintage automobiles.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5532
Automotive Tyre Stores

Merchants that sell automotive and truck tires and related parts. Automotive tire stores also perform tire installation and repair services. For merchants that specialize in tire retreading and repair, use MCC 7534.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5533
Automotive Parts and Accessories Stores

Merchants that sell automobile parts, equipment, and accessories. Products for sale may include oil and oil filters, parts, mufflers, cleaning products, spark plugs, waxing products, deodorizers, windshield wipers, and paint. These merchants also may or may not sell a limited line of car stereos and speakers. For merchants that primarily sell car stereos and speakers, use MCC 5732. For electric vehicule charging services, use MCC 5552.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5541
Service Stations (with or without ancillary services)

Merchants that sell fuel. For consumer use and may or may not also have a convenience store, car wash, or automotive repair shop on the premises. This MCC includes service station merchants located at a marina that have a separate merchant agreement from that of the marina. For transactions occurring at unattended automated fuel dispensers, use MCC 5542. For electric vehicule charging services, use MCC 5552.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5542
Automated Fuel Dispensers

Merchants that sell automotive gasoline using typically unattended Automated Fuel Dispensers, enabling cardholders to purchase fuel by completing the transaction at the pump. For electric charging services, use MCC 5552.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5551
Boat Dealers

Merchants that sell new and used watercraft, marine supplies, and outboard motors. Watercraft for sale may include motorboats, powerboats, sailboats, fishing boats, and water-ski boats.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5552
Electric Vehicle Charging

Merchants that sell electric vehicle charging services. If the merchant’s primary business is temporary parking services, MCC7523 may be used instead. For merchants that sell electric vehicle charging equipment designed for personal use, use MCC 5533. For merchants that sell electric vehicle charging equipment designed for commercial use, use MCC 5013. For merchants that sell automotive gasoline, use MCC 5541 for sales occurring in a service station and MCC 5542 for sales occurring at an automated fuel dispenser.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5561
Camper, Recreational and Utility Trailer Dealers

Merchants that sell new and used campers and recreational and utility trailers. Products for sale may also include automobile travel trailers, pop-up tent trailers, and related parts and accessories. For motor home dealers, use MCC 5592.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5571
Motorcycle Shops and Dealers

Merchants that sell new and used motorcycles, motor scooters, and mopeds, and related parts, equipment, and accessories. Products for sale may also include helmets and a limited selection of riding apparel such as jackets, pants, hats, and gloves.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5592
Motor Home Dealers

Merchants that sell new and used motor homes and related parts and accessories. For camper and recreational trailer dealers, use MCC 5561.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5598
Snowmobile Dealers

Applies exclusively to merchants that sell new and used snowmobiles and related parts and accessories.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5599
Miscellaneous Automotive, Aircraft and Farm Equipment Dealers—Not Elsewhere Classified

Merchants that sell new and used automotive, aircraft, and farm vehicles, parts, equipment, and supplies not elsewhere classified. Vehicles for sale may include all-terrain vehicles (ATVs), dune buggies, golf carts, go-carts, snowmobiles, tractors, combines, and harvesting machinery.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5611
Men’s and Boys’ Clothing and Accessories Stores

Merchants that sell men’s and boys’ ready-to-wear clothing and accessories, including tie and hat shops.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5621
Women’s Ready-To-Wear Stores

Merchants that sell a general line of women’s ready-to-wear clothing such as women’s dresses, pants, suits, and coats. Also included are specialty shops such as those selling bridal wear or maternity clothing.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5631
Women’s Accessory and Speciality Stores

Merchants that sell women’s clothing accessories, including handbags, hats, costume jewelry, scarves, belts, hair bows and barrettes, lingerie, and hosiery.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5641
Children’s and Infants’ Wear Stores

Merchants that sell children’s and infants’ clothing, furnishings, and accessories.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5651
Family Clothing Stores

Merchants that sell general lines of men’s, women’s and children’s clothing, furnishings, and accessories without specializing in sales for a particular sex or age group. This MCC includes jeans or denim clothing stores and unisex shops.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5655
Sports and Riding Apparel Stores

Merchants that sell athletic, sports and riding apparel, and active wear. Such merchants may specialize in equestrian apparel, western wear, or motocross and motorcycle wear, and may or may not also sell athletic shoes or western boots.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5661
Shoe Stores

Merchants that sell men’s, women’s, or children’s footwear, including athletic footwear Shoe stores frequently also carry a limited selection of handbags, socks, shoe ornaments, shoe polish, gloves, and hosiery.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5681
Furriers and Fur Shops

Merchants that primarily sell a variety of retail items made of animal fur, including coats, jackets, hats, and gloves.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5691
Men’s and Women’s Clothing Stores

Merchants that primarily sell men’s and women’s clothing and accessories These merchants do not sell infants’ and children’s wear.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5697
Tailors, Seamstresses, Mending and Alterations

Merchants that create and sell custom-made clothing, as well as provide alterations, mending, and garment repair, and includes those that specialize in antique clothing restoration or costume construction.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5698
Wig and Toupee Stores

Merchants that sell permanently attached or temporary toupees, wigs, hairpieces, and hair extensions for men and women, and includes those that provide hair-weaving services. For merchants providing hair replacement services that require surgical techniques, use MCC 8099.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5699
Miscellaneous Apparel and Accessory Stores

Merchants that sell specialized lines of apparel (excluding fur) and accessories that are not elsewhere classified. Merchants that specialize in apparel such as T-shirts, formal wear, and swimwear are included in this MCC. For merchants that primarily sell furs, use MCC 5681.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5712
Furniture, Home Furnishings and Equipment Stores, Except Appliances

Merchants that sell home furnishings, typically offering a wide variety of finished furniture products and accessories. Products for sale may include bedding and mattresses, dining and living room furniture, porch and patio furnishings, baby furnishings, lamps, area rugs, and draperies. Home furnishings stores may also offer a limited selection of electronics such as televisions, stereos, and VCRs. For merchants that primarily sell electronics, use MCC 5732.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5713
Floor Covering Stores

Merchants that sell floor coverings such as carpeting, area rugs, floor tile, linoleum, stone, wood, and brick, and may or may not also perform installation services. If the merchant solely conducts installations, use MCC 1799.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5714
Drapery, Window Covering and Upholstery Stores

Merchants that sell draperies, curtains, venetian blinds, window shades, and upholstery materials. For merchants that primarily reupholster or repair furniture, use MCC 7641.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5718
Fireplaces, Fireplace Screens and Accessories Stores

Merchants that sell fireplaces, wood stoves, fireplace parts, and accessories such as fireplace tools and screens. For stone masonry contractors that construct fireplaces, use MCC 1740.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5719
Miscellaneous Home Furnishing Speciality Stores

Merchants that sell miscellaneous home furnishings. Products for sale may include housewares, cutlery, bedding and linen, lamps and shades, mirrors, pictures, pottery, and ceramic items. For merchants that primarily sell glassware and crystal, use MCC 5950.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5722
Household Appliance Stores

Merchants that sell household appliances. Products for sale may include gas or electric ranges and stoves, ovens, refrigerators, dishwashers, water heaters, washers, dryers, garbage disposals, sewing machines, self-contained air conditioning units, and vacuum cleaners. Such merchants may or may not also conduct repair work. For merchants that primarily conduct repair work, use MCC 7623, MCC 7629, or MCC 7699 as appropriate.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5732
Electronic Stores

Merchants that sell or lease a wide variety of electronic goods, including computer hardware, and may also sell parts or accessories for the repair, construction, or assembly of electronic equipment. Electronic sales merchants may or may not also conduct repair work. Products for sale may include televisions, radios, VCRs, cameras, video cameras, stereo components, and car stereos and speakers. For merchants that solely conduct electronics repair work, use MCC 7622. For merchants that primarily sell household appliances such as washing machines, clothes dryers, and refrigerators, use MCC 5722.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5733
Music Stores—Musical Instruments, Pianos and Sheet Music

Merchants that sell musical instruments, sheet music, keyboards, instruction books, pianos, guitars, and related supplies and equipment, and may offer musical instruction. For merchants that primarily provide musical instruction, use MCC 8299.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5734
Computer Software Stores

Merchants that sell computer software programs for business and personal use, and may sell or lease a limited stock of computer hardware or other related products. For merchants that primarily sell or lease computer hardware or other electronics products, use MCC 5732. For merchants that provide data processing and consulting services, use MCC 7372.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5735
Record Stores

Merchants that sell records, compact discs (CDs), cassettes, music and video laser disks, and blank audio and videotapes, and may rent videotapes. Merchants that sell and deliver music via the Internet also are included and should be identified with a TCC of T. For merchants that primarily rent videotapes, use MCC 7841.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5811
Caterers

Merchants that contract with consumers to prepare and deliver (typically to a specified location) food and drinks for immediate consumption. Caterers also may or may not provide clean-up services, tables, serving equipment, decorations, and personnel for on-site serving and cleanup. For restaurants that primarily serve food for consumption on the premises, and also provide catering services, use MCC 5812.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5812
Eating Places and Restaurants

Merchants that prepare food and drinks for immediate consumption, typically on the merchant’s premises and also provide catering services. Such merchants provide table service by a waiter or waitress, and a gratuity may be added to the bill. For merchants that sell fast food, use MCC 5814. For merchants that sell alcoholic beverages. For consumption on the premises, use MCC 5813.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5813
Drinking Places (Alcoholic Beverages)—Bars, Taverns, Nightclubs, Cocktail Lounges and Discotheques

Merchants that sell alcoholic beverages such as wine, beer, ale, mixed drinks, and other liquors and beverages for consumption on the premises. Drinking places include bars, beer gardens, microbreweries, pubs, taprooms, cocktail lounges, discotheques, nightclubs, saloons, taverns, comedy clubs, and wine bars.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5814
Fast Food Restaurants

Merchants that sell prepared food and beverages for immediate consumption either on the premises or packaged for carry-out. Fast food restaurants may or may not operate a drive-up window for ordering and pick-up, and may or may not provide table service by a waiter or waitress. In any case, orders are paid for at the counter or at a drive-up window. Fast food restaurants include cafes, cafeterias, grills, coffee shops, diners, pizza parlors, sandwich bars or shops, deli shops, and snack shops. If table service is provided, a gratuity may be added to the bill. Such merchants generally do not sell alcoholic beverages.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5815
Digital Goods: Audiovisual Media Including Books, Movies, and Music

Merchants that sell audiovisual works to a cardholder in a digitized format. Such works are delivered by means of electronic transfer (such as uploading, downloading, or streaming) and include, but are not limited to, audiobooks, music files, ringtones, movies, videos, live or recorded events, digital periodicals or magazines, digital pictures, digital presentations, and news and entertainment programs.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5816
Digital Goods: Games

Merchants that develop video or electronic games for play on smartphones, feature phones, personal computers, tablets, consoles, or other devices with networking capability. Such games may provide platforms to make in-app purchases of electronic or virtual items for use during play, including but not limited to game pieces, tokens, points, and other forms of game-specific value. Skill gaming merchants belong to this category, except for US-based merchants with Mastercard. For those, MCC 7994 should used.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5817
Digital Goods: Software Applications (Excluding Games)

Merchants that sell prewritten software applications made available to a cardholder via remote access (for example, a hosted server) or download. Such applications include, but are not limited to, accounting or financial programs, office suites, data management resources, image organizers, media players, and animation development tools.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5818
Digital Goods: Multi-Category

Merchants that sell at least two of the following specified digital products: • MCC 5815 (Digital Goods: Audiovisual Media Including Books, Movies, and Music) • MCC 5816 (Digital Goods: Games) • MCC 5817 (Digital Goods: Software Applications [Excluding Games]) A digital good is electronically transferred to the purchaser and obtained by means other than tangible storage media.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5912
Drug Stores and Pharmacies

Merchants that sell prescription and drugs and nonprescription (over-the-counter) medicines. Drug stores may also sell related products and sundries such as cosmetics, toiletries, tobacco, heating pads, back supports, novelty merchandise, greeting cards, and a limited supply of food items. Operators of soda fountains or lunch counters within drug stores also should use this MCC.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5921
Package Stores—Beer, Wine and Liquor

Merchants that sell packaged alcoholic beverages such as ale, beer, wine, and liquor for consumption off the premises. Such merchants may or may not also sell a limited variety of snack items, newspapers, and magazines, or toiletries and over-the-counter medicines. For merchants that sell liquor for consumption on the premises, use MCC 5813.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5931
Used Merchandise and Secondhand Stores

Merchants that sell used merchandise or secondhand goods. Products for sale may include accessories, shoes and clothing, furniture, books, bicycles, musical instruments, sewing machines, electronic equipment, appliances, and other household items. Typically, the items for sale have been donated or are on consignment. Such merchants may or may not also sell antiques. For the merchants that primarily sell antiques, use MCC 5932. For pawnshops, use MCC 5933.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5932
Antique Shops—Sales, Repairs and Restoration Services

Merchants that sell antiques and may or may not also conduct some repair or restoration work. Products for sale may include furniture, jewelry, cameras and photographic equipment, tools, artwork, books, appliances, and other household items. For merchants that sell antique automobiles, use MCC 5521. For merchants that primarily repair or restore antique furniture, use MCC 7641.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5933
Pawn Shops

Merchants that lend money in exchange for personal property left with the merchants as security. Pawn shops may, upon default of the loan, sell the property to the general public. Property left as security may include items such as jewelry, watches, musical instruments, bicycles, furniture, coins, and camera and photographic equipment.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5935
Wrecking and Salvage Yards

Merchants that provide wrecking and salvaging services for vehicles, equipment, and other items. Such merchants may or may not provide pick-up and towing services. For merchants that primarily provide towing services, use MCC 7549.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5937
Antique Reproduction Stores

Merchants that sell antique reproductions or facsimiles. Items for sale may include clothing, furniture, rugs, paintings and artwork, mirrors, glassware, jewelry, and other household and personal items. Such merchants may also provide antique phonograph reproduction and restoration services. For merchants that sell bona fide antiques, use MCC 5932.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

High risk business
MCC 5940
Bicycle Shops—Sales and Service

Merchants that sell bicycles, bicycle parts, and accessories. Bicycle shops may also sell a limited variety of related sporting apparel, and may or may not also conduct repair work or rent bicycles. For merchants that primarily repair bicycles, use MCC 7699. For merchants that primarily rent bicycles, use MCC 7999.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

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Merchant Category Code (MCC): Everything you need to know

What's an MCC?

A Merchant Category Code (MCC) is a four-digit number assigned to merchants by acquiring banks when a merchant account is created. This code categorizes your business based on the goods or services you offer and is recognized by payment networks like Visa and Mastercard.

Who assigns MCCs?

MCCs are assigned by your acquiring bank, following guidelines set by card networks such as Visa and Mastercard. While these guidelines are clear, assigning the right MCC often involves judgment by the acquirer. Misclassification - whether accidental or intentional - can lead to serious consequences, including penalties or disrupted payment processing.

Why do MCCs matter?

MCCs influence several critical aspects of your business operations, such as the interchange fee (amounts paid to card-issuing banks for transaction processing), merchant risk profile, spending restrictions or rewards. To determine your MCC, consider the following options: contact your payment processor, refer to payment network classification lists, or use our MCC lookup tool to find and verify your MCC.

More about MCC

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MCC 8999: Professional Services Not Elsewhere Classified

MCC 7399: Business Services Not Elswhere Classified
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MCC 7399: Business Services Not Elswhere Classified

MCC 5499: Miscellaneous Food Stores
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MCC 5499: Miscellaneous Food Stores