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Your Merchant Category Code (MCC) isn't just a 4-digit number. It has an impact on how acquiring and issuing banks evaluate and treat your business.

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Complete this form to discover your Merchant Category Code (MCC) and find out if it is classified as high risk or not.

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High risk business

MCC 5941

Sporting Goods Stores

Merchants that sell sporting goods, sporting equipment, and related parts and accessories. Products for sale may include skateboards, water-skis, inline skates, surfboards, golf equipment, snow skis, windsurfing, skin diving and scuba equipment, bait and tackle, backpacking, camping, hiking and mountaineering equipment, exercise equipment, pool tables, tennis equipment, bowling equipment and supplies, hunting equipment and supplies, and playground equipment Sporting goods stores may or may not also conduct repair work or rent sporting equipment. For merchants that primarily conduct repair work, use MCC 7699. For merchants that primarily rent sporting equipment, 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.

High risk business

MCC 5942

Book Stores

Merchants that sell new or used books, journals, magazines, textbooks, maps, and atlases, audio books (books on tape) and calendars. This MCC also includes religious bookstores.

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High risk business

MCC 5943

School, Stationery and Office Supply Stores

Merchants that sell a variety of office and school supplies and paper goods. Products for sale may include pens, pencils, calendars, desk organizers, staplers, file folders, bond paper, portfolios, message pads, markers, computer diskettes, ink cartridges. For computer printers, a limited selection of computer software, and small office equipment such as file drawers, chairs, wastebaskets, and desk lamps Such merchants do not primarily sell large or high-priced office equipment such as computers or desk units. For merchants that primarily sell computer hardware, use MCC 5732. For merchants that primarily sell computer software, use MCC 5734.

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High risk business

MCC 5944

Jewellery, Watch, Clock and Silverware Stores

Merchants that sell clocks and watches; precious metals; fine jewelry such as diamonds or other precious stones mounted in precious metals; and sterling silver and plated flatware and accessories, such as platters, serving bowls, trivets, and pitchers. Such merchants may also conduct repair work. For merchants that primarily repair fine jewelry, watches, or clocks, use MCC 7699. For merchants that primarily sell china or crystal, use MCC 5950.

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High risk business

MCC 5945

Hobby, Toy and Game Stores

Merchants that sell toys and games, and may sell a limited selection of do-it-yourself craft or hobby kits. For merchants that primarily sell supplies, materials, and equipment used to assemble crafts, use MCC 5970.

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High risk business

MCC 5946

Camera and Photographic Supply Stores

Merchants that specialize in the sale of camera, film, video, and other photographic equipment and supplies, including processing chemicals and papers. Such merchants may or may not also provide film-processing services. For merchants that sell camera and video equipment in addition to a variety of other electronic equipment such as VCRs, televisions, and stereos, use MCC 5732. For merchants that primarily provide film processing and printing services, use MCC 7395.

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High risk business

MCC 5947

Gift, Card, Novelty and Souvenir Stores

Merchants that sell gifts and novelty items, greeting cards, balloons, souvenirs, holiday decorations, stationery, wrapping paper and bows, photo albums, and a limited selection of office supplies such as pens, notebooks, and calendars. For merchants that primarily sell office and school supplies, use MCC 5943.

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High risk business

MCC 5948

Luggage and Leather Goods Stores

Merchants that sell luggage, trunks, briefcases, leather backpacks, wallets, purses, gloves, and other leather goods, and may sell a limited selection of leather apparel.

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High risk business

MCC 5949

Sewing, Needlework, Fabric and Piece Goods Stores

Merchants that sell fabric, patterns, yarn, and other needlework/sewing supplies such as thread, buttons, snaps, lining, trim and lace, scissors, and zippers. Such merchants may also offer sewing classes or instruction. For merchants that primarily provide sewing or knitting instruction, use MCC 8299.

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High risk business

MCC 5950

Glassware and Crystal Stores

Merchants that sell glassware, china, and crystal for table service use (such as wine and champagne glasses, serving bowls, and plates), as well as gift items (such as figurines, book ends, flower vases, jewelry boxes, and candlestick holders).

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High risk business

MCC 5960

Direct Marketing—Insurance Services

Merchants that sell insurance services via direct mail, billing statement stuffers, and magazine or television ads, all of which include either a toll-free phone number or an address or Web site by which prospective clients may respond. Insurance services offered may include all forms of life insurance, hospital indemnity insurance (additional coverage usually paid directly to the consumer), accidental death and dismemberment insurance, credit card insurance in which the outstanding balance is insured against the cardholder’s death, disability or unemployment insurance, and medical insurance. For travelers Sales may be targeted to special groups such as veterans, retired persons, schoolteachers, or members of certain organizations The billing of the insurance premiums typically occurs in periodic (monthly, quarterly, or annual) installments, and continues until canceled by either the cardholder or the insurance company Another common feature is a free trial period of 60 or 90 days, with the billing of the first installment after the trial period has ended. For face-to-face insurance sales and underwriting services, use MCC 6300.

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High risk business

MCC 5962

Direct Marketing—Travel Related Arrangement Services

Merchants that sell travel-related arrangement services via outbound telemarketing methods in which the merchant initiates contact with the consumer through direct mail, advertising, or other direct marketing methods requiring consumer response in an attempt to generate a sale. Also included are discount travel clubs and subscription services or newsletters from which subscribers select prepackaged trips; these often require an annual membership fee that may be billed to the cardholder’s account each year until canceled by the cardholder or the merchant. For travel agents and tour operators, use MCC 4722.

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High risk business

MCC 5963

Door-to-Door Sales

Merchants that sell merchandise by means of house-to-house canvass, or from trucks or wagons or other temporary locations. Products sold door-to-door may include cosmetics, household items, bakery goods, dairy products, and magazine subscriptions.

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High risk business

MCC 5964

Direct Marketing—Catalogue Merchants

Merchants that initiate direct contact with consumers and are often described as mail-order houses or as the mail-order industry. Such merchants offer their merchandise via catalogs, and accept merchandise orders exclusively via mail, phone, fax, electronic commerce, or other non–face-to-face methods. A paper catalog is a multi-page document that is sent (mailed, faxed, or otherwise delivered) directly to a consumer. An electronic catalog displays merchandise via cable TV or as videotext on an Internet site Catalogs display and describe merchandise and include a mail-order form, phone number, or Internet site address for placing orders. Flyers and brochures are not considered catalogs. A manufacturer with a pricing catalog is not considered a direct marketing catalog merchant.

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High risk business

MCC 5965

Direct Marketing—Combination Catalogue and Retail Merchants

Catalog merchants that also operate one or more retail outlets. This MCC is used only. For transactions occurring via mail order, phone order, electronic commerce, or other non–face-to-face methods, even if the merchandise is delivered to a store. For pick-up Face-to-face sales, including those in which the order is placed at a catalog desk or elsewhere in a store in response to a catalog or other direct response communication are excluded from this MCC. All retail sales must be processed under an appropriate retail MCC.

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High risk business

MCC 5966

Direct Marketing—Outbound Telemarketing Merchants

Merchants that initiate direct contact with consumers to sell products and services. Outbound telemarketing merchants contact (and sometimes offer an incentive to) prospective buyers by phone, advertising, direct mail (other than a catalog), or other direct marketing method that includes either a toll-free phone number or a mailing address. Products promoted and sold via such methods may include cosmetics, health-care products, vitamins, and time-share realty. For charitable organizations that solicit contributions by any means, including via outbound telemarketing, use MCC 8398.

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High risk business

MCC 5967

Direct Marketing—Inbound Telemarketing Merchants

Merchants that provide one or more audiotext or videotext services that can be accessed via phone, fax, or over an open network such as the Internet. The cardholder initiates contact with the merchant and all subsequent transactions. This MCC applies to information services offered over the telephone or the Internet, as well as to products that may be sold through such services. Information services are provided for a fee and may include polls, sweepstakes, adult chat and entertainment, nude and naked content, 18+ webcam and livecam shows, sports scores, stock market quotes,horoscope readings, or other audio text or videotext services that consumers listen to, view, or participate in. For providers of electronic bulletin board access or online services provided via personal computers, use MCC 4816.

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High risk business

MCC 5968

Direct Marketing—Continuity/Subscription Merchants

Merchants that sell subscription products or services via “direct” mail. Such merchants may offer a series of products (such as one book a month for one year) or the annual renewal of a single product. The cardholder’s MasterCard card account is billed. For the service on a continuing or periodic basis (such as once a month or twice a year), and the service continues until the subscription or series ends or the cardholder or merchant terminates the agreement. This MCC includes direct mail book clubs, magazine and newspaper subscriptions, audio clubs selling records, tapes, and compact discs (CD), video tape and DVD clubs, collectible series subscriptions (for example, series of stamps, coins, books, plates, china figures, or plates), magazine subscriptions, and credit card registration service companies. For newspaper classified ads sold via direct marketing methods, use MCC 5969 Recurring transactions excluded from this category include utility payments (use MCC 4900), private athletic club monthly dues (use MCC 7997), and insurance premiums (use MCC 6300).

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High risk business

MCC 5969

Direct Marketing/Direct Marketers—Not Elsewhere Classified

Merchants that sell products and services through a variety of direct response methods in which an order form or an address or phone number is included for the placement of an order by mail, phone, or fax. These merchants often use mass-marketing techniques such as brochures, radio and television direct response ads, and TV “infomercials” (extended length TV commercials with a talk-show format). Such merchants generally offer only one or two products per promotion, such as kitchen cutlery, household gadgets, weight reduction products, sports equipment, cosmetics, specialty records, or books that are available only through television advertising. This includes newspaper classified ads sold via direct marketing methods. For tickets ordered by phone but paid for at the ticket booth, use MCC 7922. Excluded are face-to-face retailers that occasionally accept mail or phone orders for customer convenience. For retail sales conducted through an Internet site, use the most appropriate retail MCC with a TCC of T.

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High risk business

MCC 5970

Artist Supply and Craft Stores

Retailers that sell materials, equipment, and supplies used to create art, crafts, or other items. Products for sale may include clay, all types of paint, brushes, silk flowers, pens, pencils, paper, hobby and craft kits, yarns, beads, candy for candy-making, decorative rubber stamps, and some fabric and other needlecraft supplies. For merchants that specialize in selling fabric, sewing and needlework supplies, use MCC 5949.

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High risk business

MCC 5971

Art Dealers and Galleries

Retailers that sell artwork such as pictures, photographs, or sculptures. The sale may be conducted directly with the art dealer, the artist, or the art gallery.

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High risk business

MCC 5972

Stamp and Coin Stores

Retailers that sell postage stamps, coins, and related accessories for the purpose of stamp collecting, coin collecting, or investment. For the sale of postage stamps through government operated postal services, use MCC 9402. For mail and packaging services that also sell stamps, use MCC 7399.

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High risk business

MCC 5973

Religious Goods Stores

Retailers that sell religious goods such as figurines, cards, devotional supplies, pictures, instructional or educational books and tapes, and decorative items. For merchants that primarily sell religious books, use MCC 5942.

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High risk business

MCC 5975

Hearing Aids—Sales, Service and Supplies

Retailers that sell hearing aids and related supplies, and may or may not also conduct repair work. For merchants that primarily conduct repair work, use MCC 7699.

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High risk business

MCC 5976

Orthopaedic Goods and Prosthetic Devices

Retailers that sell a variety of prosthetic devices and orthopedic goods, and may or may not also conduct repair work. Products for sale may include arch supports and other foot appliances, fracture appliances, elastic hosiery, abdominal supporters, elastic and orthopedic braces, canes, artificial limbs, wheel chairs, and walkers. For merchants that primarily conduct repair work on orthopedic goods, use MCC 7699.

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High risk business

MCC 5977

Cosmetic Stores

Retailers that sell natural or synthetic cosmetics, including theatrical, medical, and daily-wear cosmetics.

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High risk business

MCC 5978

Typewriter Stores—Sales, Service and Rentals

Retailers that primarily sell, rent, or lease typewriters. Such merchants may also sell a limited selection of office supplies and equipment, and may or may not conduct repair work. For merchants that primarily sell office supplies, use MCC 5943. For merchants that primarily conduct repair work, use MCC 7699.

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High risk business

MCC 5983

Fuel Dealers—Fuel Oil, Wood, Coal and Liquefied Petroleum

Retailers that sell fuel oil, wood, coal, liquefied petroleum, aviation fuel, heating oil, or gas propane. Such merchants may or may not also sell gasoline for consumer use in automobiles. For merchants that primarily sell automotive gasoline, use MCC 5541 or MCC 5542 as appropriate.

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High risk business

MCC 5992

Florists

Retailers that sell cut flowers, flower arrangements, and potted plants. Such merchants may or may not also sell novelty items such as helium balloons. For merchants that primarily sell seeds, bulbs and nursery stock, use MCC 5261.

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High risk business

MCC 5993

Cigar Stores and Stands

Retailers that sell tobacco, cigarettes, cigars, pipes, smokers’ supplies, or electronic nicotine delivery systems (such as electronic cigarettes [e-cigarettes]).

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High risk business

MCC 5994

News Dealers and Newsstands

Retailers that sell newspapers, magazines, journals, and other periodicals. For newspaper subscriptions, use MCC 5968.

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High risk business

MCC 5995

Pet Shops, Pet Foods and Supplies

Retailers that sell pets (for example, dogs, cats, birds, fish, reptiles, hamsters, and rabbits), pet food, and pet supplies.

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High risk business

MCC 5996

Swimming Pools—Sales, Supplies and Service

Retailers that sell home swimming pools (in-ground or prefabricated above-ground pools), spas, hot tubs, whirlpool baths, and pool supplies. Such merchants may or may not also provide installation and maintenance services. For merchants that primarily provide installation services, use MCC 1799. These merchants also may or may not provide repair services. For merchants that primarily provide repair services, use MCC 7699.

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High risk business

MCC 5997

Electric Razor Stores—Sales and Service

Retailers that sell electric razors that may or may not also provide repair services. For merchants that primarily provide repair services, use MCC 7699.

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High risk business

MCC 5998

Tent and Awning Shops

Retailers that sell tents and awnings. For home or business use. Products for sale may include camping tents, shade tents, and predesigned or custom-made window or door awnings for homes or businesses. Such merchants may or may not also provide repair services. For merchants that primarily provide repair services, use MCC 7699.

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High risk business

MCC 5999

Miscellaneous and Speciality Retail Stores

Retailers that sell unique or specialized products that are not described by any other card acceptor business code (MCC). This MCC should be used only when all other MCC assignment options have been exhausted. Examples of such specialty stores include map and atlas stores, firearms and ammunition stores, magic stores, party supply stores, silk flower shops, fireworks shops, ice dealers, picture frame shops, sunglasses shops, beauty supply stores, and bottled and distilled water dealers.

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High risk business

MCC 6010

Manual Cash Disbursements: Customer Financial Institution

Used only to identify face-to-face transactions in which a cardholder uses a MasterCard card at a MasterCard customer financial institution to obtain a manual (“over-the-counter”) cash disbursement, to open or fund a deposit account, or to purchase travelers cheques, foreign currency, money orders, precious metals, or savings bonds. For cash disbursement transactions occurring at automated teller machines (ATMs), use MCC 6011. For sales of foreign currency, money orders, travelers cheques, and other quasi-cash products at locations other than MasterCard customer financial institution locations, use MCC 6051.

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High risk business

MCC 6011

Automated Cash Disbursements: Customer Financial Institution

Identifies cash disbursement transactions occurring at automated teller machines (ATMs) owned, leased, controlled, or sponsored by MasterCard customers. For face-to-face cash disbursement transactions occurring at a MasterCard customer financial institutions, use MCC 6010.

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High risk business

MCC 6012

Merchandise and Services: Customer Financial Institution

Identifies the purchase of merchandise or services at a MasterCard customer financial institution location. Such merchandise and services may include checks and other financial products, promotional merchandise, loan fees, and financial counseling service fees. For securities or brokerage transaction service fees or other related costs, use MCC 6211. For cash disbursements, use MCC 6010 for face-to-face transactions and MCC 6011 for transactions that occur at ATMs.

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High risk business

MCC 6050

Quasi Cash: Customer Financial Institution

Identifies the purchase, with a Mastercard or Maestro card, of travelers cheques, foreign currency, money orders, precious metals, or savings bonds at a Mastercard customer financial institution location. This MCC may also be used to identify transactions in which a customer accepts a Mastercard or Maestro card in direct payment of an existing debt, such as a private label card or vehicle loan. This MCC may be used for non–face-to-face transactions, such as those facilitated through the Internet. MCC 6050 must not be used to identify any sale other than as described, including, by way of example and not limitation; gamblingtransactions (MCC 7995, MCC 7801, or MCC 7802, as appropriate, must be used); videotext transactions (MCC 5967 must be used); the sale of any prescription drug (MCC 5122 or MCC 5912 must be used); or the sale of any tobacco product (MCC 5993 must be used). Any fee charged and included in the total transaction amount must be clearly disclosed to the cardholder before completing the transaction. For cash disbursements, use MCC 6010 for face-to-face transactions and MCC 6011 for transactions that occur at ATMs.

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High risk business

MCC 6051

Quasi Cash: Merchant

Identifies the purchase, with a Mastercard or Maestro card, of travelers cheques, foreign currency, or money orders, or the use of a Mastercard card to open or fund a deposit account, at a location other than a Mastercard customer financial institution location. This MCC may also be used to identify transactions in which a merchant accepts a Mastercard or Maestro card for payment of an existing debt, such as a private label card or vehicle loan. In addition, this MCC must be used to identify transactions involving the purchase of cryptocurrency. MCC 6051 must not be used to identify any sale other than as described, including, by way of example and not limitation; gambling transactions (MCC 7995, MCC 7801, or MCC 7802, as appropriate, must be used); videotext transactions (MCC 5967 must be used); the sale of any prescription drug (MCC 5122 or MCC 5912 must be used); or the sale of any tobacco product (MCC 5993 must be used). Any fee charged and included in the total transaction amount must be clearly disclosed to the cardholder before completing the transaction. For the face-to-face purchase of foreign currency, money orders, or travelers cheques at a Mastercard customer financial institution location, use MCC 6010. This MCC must be used for cryptocurrency exchange platforms.

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High risk business

MCC 6211

Security Brokers and Dealers

Merchants that buy, sell, and broker securities, stocks, bonds, commodities, and mutual funds.

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High risk business

MCC 6300

Insurance Sales, Underwriting and Premiums

Retailers that sell all types of personal or business insurance policies, including automobile, life, health, hospital, medical and dental, homeowners and renters, real estate title, pet health, flood, fire, or earthquake insurance policies. For merchants that sell insurance products and services using direct marketing methods, use MCC 5960.

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High risk business

MCC 6513

Real Estate Agents and Managers—Rentals

Fees charged by merchants engaged in the rental and management of residential and commercial properties, such as real estate agents, brokers, and managers, and apartment rental services. Such fees may include management fees, real estate rental commissions, and real estate rental payments.

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High risk business

MCC 6532

Payment Transaction: Customer Financial Institution

This MCC may be used only to identify Payment Transactions as stated below. A Payment Transaction is a transfer of funds to a Mastercard, Maestro, or Cirrus account by means of the Mastercard network. NOTE: This MCC must only be used for rePower value loads or specified domestic payments, in combination with one of the following Transaction Type Identifier (TTI) values as applicable:• C02 Mastercard rebate• C03 rePower Load Value• C06 Payment of a credit card balance with cash or check (forColombia domestic use only)• C91 Utility Payments (for Brazil domestic use only)• C92 Government Services (for Brazil domestic use only)• C93 Mobile phone top-ups (for Brazil domestic use only)• C94 Coupon booklet payments (for Brazil domestic use only)

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High risk business

MCC 6533

Payment Transaction: Merchant

This MCC may be used only to identify Payment Transactions. A Payment Transaction is a transfer of funds to a Mastercard, Maestro, or Cirrus account by means of the Mastercard network. NOTE: This MCC must only be used for rePower value loads orspecified domestic payments, in combination with one of the following Transaction Type Identifier (TTI) values as applicable:• C03 rePower Load Value• C06 Payment of a credit card balance with cash or check (forColombia domestic use only)• C91 Utility Payments (for Brazil domestic use only)• C92 Government Services (for Brazil domestic use only)• C93 Mobile phone top-ups (for Brazil domestic use only)• C94 Coupon booklet payments (for Brazil domestic use only)

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High risk business

MCC 6536

MoneySend Intracountry

Identifies MoneySend Intracountry Payment Transactions. MoneySend operates on the basis of account-to-account processing with funds transferred from the Originating Institution to any Mastercard, Maestro, or Cirrus account held at the Receiving Institution.

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High risk business

MCC 6537

MoneySend Intercountry

Identifies intercountry MoneySend Payment Transactions.MoneySend operates on the basis of account-to-account processingwith funds transferred from the Originating Institution to any Mastercard, Maestro, or Cirrus account held at the Receiving Institution.

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High risk business

MCC 6538

Funding Transactions for MoneySend

Identifies a Funding Transaction governed by the Standards set forth in the Mastercard MoneySend and Funding Transactions Program Standards manual. MCC 6538 must not be used to identify a Funding Transaction conducted for purposes of funding any of the activities described insection 9.1 of the Security Rules and Procedures (the appropriate MCC for each such activity must be used).

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High risk business

MCC 6540

Funding Transactions

Identifies a Funding Transaction, as described in section 6.6 of the Transaction Processing Rules. MCC 6540 must not be used to identify a Funding Transaction conducted for purposes of funding any of the activities described in section 9.1 of the Security Rules and Procedures manual (theappropriate MCC for each such activity must be used). Funding Transactions must comply with the requirements set out in the Standards, including the Mastercard MoneySend and Funding Transaction Program Standards.

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High risk business

MCC 7011

Lodging—Hotels, Motels and Resorts

Only those lodging establishments. For which a unique MCC has not been designated, including bed and breakfast and other local inns, resorts, cabins, cottages, and hostels.

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High risk business

MCC 7012

Time-shares

Retailers that sell, lease, and rent timeshare real estate and arrange timeshare condominium exchanges.

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High risk business

MCC 7032

Sporting and Recreational Camps

Merchants that operate children’s camps, recreational camps, and sporting camps. Examples of such camps include summer camps for boys and girls, nudist camps, dude ranches, fishing and hunting camps, and educational or sports instruction camps. For campgrounds used for tent or trailer camping, use MCC 7033.

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High risk business

MCC 7033

Trailer Parks and Campgrounds

Merchants that provide overnight or short-term campsites for recreational vehicles, trailers, campers, or tents. Such campsites may be located within state parks, or privately owned and operated, and may or may not include water and electrical hookups for recreational vehicles.

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High risk business

MCC 7210

Laundry, Cleaning and Garment Services

Merchants that operate steam or other types of laundries for commercial businesses or individuals. On a weekly or monthly basis, these merchants provide laundered items such as uniforms, gowns, aprons, table linens, bed linens, and towels. This MCC also includes diaper services offering home pick-up, cleaning, and delivery.

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High risk business

MCC 7211

Laundry Services—Family and Commercial

Merchants that provide self-service washers and dryers for general consumer use, including pay-by-the-pound laundry service. Such self-service laundry services are typically known as laundromats but also are found in dormitories, apartment buildings, or other similar locations.

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High risk business

MCC 7216

Dry Cleaners

Merchants that provide dry cleaning services for individuals or businesses, and may offer limited alteration services. Items cleaned by dry cleaners typically include clothing, draperies, wedding dresses, and bedding.

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High risk business

MCC 7217

Carpet and Upholstery Cleaning

Merchants that clean commercial or residential carpets, drapes, and upholstery. For merchants that provide reupholstering services, use MCC 7641.

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High risk business

MCC 7221

Photographic Studios

Merchants that perform still or video portrait photography for the general public, including those that photograph children on location at schools or specialize in wedding photography and videos. For merchants that provide film developing and printing services, use MCC 7395.

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High risk business

MCC 7230

Beauty and Barber Shops

Merchants that provide personal hair care services such as hair cutting, hair styling, hair coloring, and hair extensions. Barber and beauty shops may also perform manicures and pedicures and sell a limited selection of hair care products.

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High risk business

MCC 7251

Shoe Repair Shops, Shoe Shine Parlours and Hat Cleaning Shops

Retailers that repair footwear and provide shoe cleaning and shining services, as well as retailers that provide hat cleaning and blocking services.

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High risk business

MCC 7261

Funeral Services and Crematoriums

Merchants that provide burial preparation and cremation services and conduct funerals. Such merchants include mortuaries, crematories, funeral homes, and funeral parlors. For animal cremation and burial services, use MCC 7299.

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High risk business

MCC 7273

Dating and Escort Services

Merchants that provide dating and escort services, including computer and video personal introduction and matchmaking services. For escort advertising, use MCC 7311.

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High risk business

MCC 7276

Tax Preparation Services

Merchants that exclusively provide income tax return preparation services without auditing, accounting, or bookkeeping services. For merchants providing auditing, accounting, or bookkeeping services in addition to tax return preparation services, use MCC 8931.

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MCC 7277

Counselling Services—Debt, Marriage, Personal

Merchants that provide a variety of counseling services such as debt and financial counseling, marriage counseling, family counseling, alcohol and drug abuse counseling, and other personal counseling. For merchants that provide legal services, use MCC 8111. For merchants primarily engaged in collecting debts in default owed to others or that were originally owed to others, use MCC 7322.

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MCC 7278

Buying and Shopping Services and Clubs

Merchants that provide buying and shopping services to individuals or businesses on a fee basis. This type of merchant does not directly sell goods to the consumer, but rather chooses a selection of items that the consumer may be interested in purchasing, typically acting on behalf of the seller of the goods.

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MCC 7296

Clothing Rental—Costumes, Uniforms and Formal Wear

Retailers that rent costumes, uniforms, formal wear, tuxedos, and other types of apparel and related accessories. For wholesale distributors that sell or rent uniforms to other businesses, use MCC 5137.

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MCC 7297

Massage Parlours

Retailers that specialize in providing massage services. Such merchants also may provide other personal services, and may rent saunas or hot tubs.

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MCC 7298

Health and Beauty Spas

Merchants, typically known as day spas that provide a variety of personal or therapeutic services without an overnight stay. Such services may include facials, massages, mud baths, herbal wraps, tanning treatments, whirlpools, steam baths, personal exercise programs, dietary counseling, and hair and makeup counseling and styling, as well as instructional classes such as aerobics, weight training, weight control, cooking, and sports classes. For spa services offered as part of a package plan that includes lodging at the merchant’s establishment, use MCC 7011.

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High risk business

MCC 7299

Miscellaneous Personal Services—Not Elsewhere Classified

Merchants that provide personal services that do not fall under any other MCC. Examples of such services include animal boarding, bath houses, house sitting services, maid services, animal grooming and kennels, animal training or breeding, real estate agents, brokers, and managers, body piercing and tattooing, water treatment services, taxidermists, wedding chapels, and animal cremation and burial services. For real estate agents, brokers and managers, and apartment rental services, use MCC 6513.

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MCC 7311

Advertising Services

Merchants that prepare advertising (copywriting, artwork, graphics, and other creative work) and place advertising in periodicals, newspapers, radio, television, or other advertising media for clients on a contract or fee basis. Other types of advertising such as escort advertisement, aerial advertising, coupon distribution, distribution of samples, and skywriting are also included.

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MCC 7321

Consumer Credit Reporting Agencies

Merchants that provide credit-reporting services such as credit investigation, credit clearinghouses, and other related services. This MCC does not include collection agencies.

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MCC 7322

Debt Collection Agency

Merchants primarily engaged in collecting debts in default owed to others or that were originally owed to others.

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MCC 7333

Commercial Photography, Art and Graphics

Merchants that provide commercial art or graphic design services for advertising agencies, publishers, and other businesses. Such services may include silk screen design, still and slide film production, chart and graph design, and commercial art and illustration. For merchants that provide still, video, and portrait photography for the general public, use MCC 7221.

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High risk business

MCC 7338

Quick Copy, Reproduction and Blueprinting Services

Merchants that reproduce text, drawings, plans, maps, and similar materials by blueprinting, photocopying, or using other reproduction methods. Such merchants also may provide collating and binding services.

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MCC 7339

Stenographic and Secretarial Support Services

Merchants that provide stenographic, secretarial, and other clerical services such as word processing, typing, editing, letter writing, proofreading, resume writing, and court reporting services. For employment agencies that primarily seek to fill secretarial support positions, use MCC 7361.

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MCC 7342

Exterminating and Disinfecting Services

Merchants that provide pest control, extermination, disinfecting, and fumigation services, including the elimination of termites, insects, and rodents.

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MCC 7349

Cleaning and Maintenance, Janitorial Services

Merchants that provide building cleaning, maintenance, and janitorial services, such as window cleaning, floor waxing, school custodian services, office cleaning, and housekeeping on a contract or fee basis.

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MCC 7361

Employment Agencies and Temporary Help Services

Merchants that provide employment services for employers or those seeking employment with permanent or temporary positions.

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MCC 7372

Computer Programming, Data Processing, Integrated Systems and Design Services

Merchants that provide computer programming services, systems design, and data processing services on a contract or fee basis. Such services may include computer software design and analysis, software or systems modifications, data entry or data processing, and training in the use of custom software.

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MCC 7375

Information Retrieval Services

Wholesale providers of online and database information retrieval and search services on a contract or fee basis.

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MCC 7379

Computer Maintenance and Repair Services, Not Elsewhere Classified

Wholesalers that provide computer-related services. Such services may include consulting on a contract or fee basis, database development, computer maintenance and repair, tape and diskette conversion services, and computer requirements analysis. For wholesale distributors of computer hardware, software, and related equipment, use MCC 5045.

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MCC 7392

Management Consulting and Public Relations Services

Merchants that provide counsel and assistance to the management of private, nonprofit, and public organizations on a contract or fee basis. Services provided may include strategic and organizational planning financial planning and budgeting, the development of marketing objectives, information systems planning, the development of human resource policies, procedures planning, and public relations services.

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MCC 7393

Detective Agencies, Protective Agencies and Security Services, including Armoured Cars and Guard Dogs

Merchants that provide security devices and services. Examples of such devices and services include armored cars, security systems (installation, monitoring, and maintenance), private investigators, guard dogs, and lie detection.

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MCC 7394

Equipment, Tool, Furniture and Appliance Rental and Leasing

Merchants that rent and lease equipment, tools, furniture, appliances, and office equipment (excluding typewriters). For typewriter rentals, use MCC 5978.

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High risk business

MCC 7395

Photo finishing Laboratories and Photo Developing

Merchants that develop film and make photographic prints and enlargements, and may also provide specialized services, such as custom enlarging and photo retouching. The popular one-hour photo development services are included here. These merchants also may sell a limited selection of supplies such as film, tripods, photo albums, scrap books, camera filters, and picture frames. If the merchant sells primarily photographic equipment and supplies, use MCC 5946.

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MCC 7399

Business Services, Not Elsewhere Classified

Merchants that provide business and trade services that typically are not considered professions. This MCC must be used only if another more specific MCC does not describe the merchant’s business. Examples of such business services include publishing companies, conference management companies, meeting planners, seminar companies, locksmiths, mail and packing services (including the sale of stamps), message and paging services, and waste management services.

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MCC 742

Veterinary Services

Licensed practitioners primarily engaged in the practice of veterinary medicine, dentistry, or surgery. For all types of animals; such as pets (for example, dogs, cats, fish), livestock, and other farm animals (for example, cattle, horses, sheep, hogs, goats, poultry, bees), and exotic animals.

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MCC 7512

Automobile Rental Agency

Only those car rental agencies for which a unique MCC has not been designated.

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MCC 7513

Truck and Utility Trailer Rentals

Merchants that provide short-term rental or long-term leasing of trucks, vans, or utility trailers. Such vehicles are used for moving or hauling, and are rented on a do-it-yourself basis.

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MCC 7519

Motor Home and Recreational Vehicle Rentals

Merchants that rent motor homes, RVs, pop-up campers, tent trailers, and other recreational vehicles on a daily, short-term, or extended-term basis. For aircraft, bicycle, motorcycle, and go-cart rentals, use MCC 7999. For recreational boat rentals, use MCC 4457.

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MCC 7523

Parking Lots and Garages - Renamed Parking Lots, Parking Meters and Garages

Merchants that provide temporary parking services for automobiles, usually on an hourly, daily, or monthly contract or fee basis.

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MCC 7531

Automotive Body Repair Shops

Merchants that perform automotive body repair work. Such merchants also may or may not paint automobiles in conjunction with the body repair work. For merchants that primarily paint automobiles, use MCC 7535. For merchants that perform automotive repair work other than body repair, use MCC 7538.

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MCC 7534

Tyre Retreading and Repair Shops

This MCC identifies merchants that sell, install, repair, or retread old tires. For merchants that provide other types of automotive repair services, use MCC 7538. For merchants that primarily sell new automotive tires, use MCC 5532.

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MCC 7535

Automotive Paint Shops

Merchants that paint and refinish automobiles exclusively, including those specializing in antique automobile restoration and custom design and painting.

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MCC 7538

Automotive Service Shops (Non-Dealer)

Merchants that conduct automotive repairs and general servicing. Such service may include engines, brakes, air conditioning systems, mufflers, front ends and frames, fuel systems, carburetors, radiators, windshields and windows, and electrical systems. This MCC includes the popular quick oil change merchants and lube merchants. Service shops also may or may not perform wheel alignment, balancing, and repair services. For automotive service specialists, use the MCC that best describes the service provided, for example, for tire repairs and retreads, use MCC 7534; for automotive painting, use MCC 7535; and for automotive body repair work, use MCC 7531.

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MCC 7542

Car Washes

Merchants that wash, wax, and polish automobiles, including drive-through, custom hand wash, and do-it-yourself car wash locations. If the merchant also sells automotive gasoline, use MCC 5541.

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MCC 7549

Towing Services

Merchants that provide vehicle towing services. For merchants that primarily provide wrecking and salvage services, use MCC 5935.

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MCC 7622

Electronics Repair Shops

Merchants that repair electronics (excluding appliances) such as radios, televisions, tape decks, CDs, receivers, stereos, and computers. For merchants that repair small appliances such as microwaves, toaster ovens, and toasters, use MCC 7629. For merchants that repair large appliances such as ovens, washers, dryers, dishwashers, and refrigerators, use MCC 7699.

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MCC 7623

Air Conditioning Repair Shops

Merchants that service and repair household and commercial air conditioning, and refrigeration systems. For merchants that service and repair small household appliances, use MCC 7629. For merchants that service and repair large household appliances, use MCC 7699.

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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

MCC 8999: Professional Services Not Elsewhere Classified

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

What's an MCC?

Who assigns MCCs?

Why do MCCs matter?

More about MCC

MCC 8999: Professional Services Not Elsewhere Classified

MCC 7399: Business Services Not Elswhere Classified

MCC 5499: Miscellaneous Food Stores