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High risk business
MCC 7629
Repair Shops—Electrical and Small Appliances

Merchants that service and repair household and commercial electrical components and small appliances such as microwaves, toaster ovens, and toasters, as well as merchants that service and repair electrical office machines, excluding typewriters. For merchants that specialize in typewriter repairs, use MCC 5978. For specialists in electronics repairs, use MCC 7622. For merchants that repair large household appliances, use MCC 7699.

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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 763
Agricultural Co-operatives

Associations and cooperatives that provide farm management services or assistance in farming operations Examples of such services include financial assistance, management, or complete maintenance of crops, soil preparation, planting and cultivating, aerial dusting and spraying, disease and insect control, weed control, and the harvesting of crops. For merchants that provide farm product warehousing and storage, use MCC 4225.

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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 7631
Watch, Clock and Jewellery Repair Shops

Merchants that clean and repair all types of watches, clocks, and fine jewelry. For merchants that primarily sell watches, clocks, and fine jewelry, 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 7641
Furniture—Re-upholstery, Repair and Refinishing

Merchants that reupholster, repair, and refinish furniture, including restorers of antique furniture. For merchants that sell furniture, use MCC 5712.

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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 7692
Welding Services,

Merchants that perform welding repair. For merchants that perform construction welding, 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 7699
Miscellaneous Repair Shops and Related Services

Merchants that exclusively provide service and repair work, but that cannot be classified under a more specific repair work MCC. Such merchants include those that repair large household appliances (for example, ovens, washers, dryers, dishwashers, and water heaters), bicycles and sporting equipment, hearing aids, orthopedic and prosthetic devices, musical instruments, tents and awnings, camera and other photographic equipment, lawnmowers, luggage, leather goods, swimming pools, electric razors, and typewriters. Also includes machine shops and merchants that clean and service furnaces and chimneys.

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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 780
Landscaping and Horticultural Services

Landscape architects and other providers of landscape planning and design services Also, merchants that offer a variety of lawn and garden services such as planting, fertilizing, mowing, mulching, seeding, spraying, and sod laying.

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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 7800
Government Owned Lottery (U.S. Region Only)

Government bodies that operate or administer lotteries and engage in the sale of lottery tickets or shares on the Internet or in a physical place of business either directly or through designated agents. Use of this MCC is restricted to merchants located in the U.S. region.

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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 7801
Internet Gambling (U.S. Region Only)

Merchants licensed in accordance with applicable law or regulationto operate an Internet gambling system or platform accepting the placement of wagers. Use of this MCC is restricted to merchants located in the U.S. region.

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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 7802
Government Licensed Horse/Dog Racing (U.S. Region Only)

Merchants licensed in accordance with applicable law or regulation to conduct horse or dog racing or pari-mutuel wagering activities in connection therewith, or both. Use of this MCC is restricted to merchants located in the U.S. region.

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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 7829
Motion Pictures and Video Tape Production and Distribution

Wholesale producers and distributors of educational and industrial films and videos for exhibition and sale, including TV commercials and training films. For retailers that rent videotapes to consumers, 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 7832
Motion Picture Theatres

Merchants that operate movie theaters, including drive-in theaters. Such merchants sell tickets and refreshments, and may or may not offer advance ticket reservations via the phone.

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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 7841
DVD/Video Tape Rental Stores

Merchants that rent videotapes, laser discs, DVDs, and video games for consumer use at home. Such merchants may or may not sell a limited selection of used videos, drinks, candy, snacks, and blank tapes.

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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 7911
Dance Halls, Studios and Schools

Merchants that operate dance studios, dance schools, and public dance halls or ballrooms, and charge for admission fees, lessons, and refreshments. Such merchants may teach many types of dance or specialize in tap and ballet, ballroom, square dance instruction, or other types of dance.

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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 7922
Theatrical Producers (Except Motion Pictures) and Ticket Agencies

Merchants that operate live theatrical productions, such as road companies and summer theater groups. Services associated with theatrical productions and concerts are also included, such as casting agencies, booking agencies, scenery, lighting, and other equipment services, and theatrical ticket agencies. For movie theaters, use MCC 7832.

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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 7929
Bands, Orchestras and Miscellaneous Entertainers, Not Elsewhere Classified

Merchants that provide entertainment other than theatrical productions, and includes musicians, bands, orchestras, comedians, and magicians. Merchants that specialize in providing music (live bands or disc jockeys [DJs]). For weddings or special events are also included.

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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 7932
Billiard and Pool Establishments

Merchants operating establishments that rent pool or billiard tables for entertainment. Such merchants may offer coin-operated pool tables, or may rent pool tables by the game or by the hour. Shuffleboard, darts, and other games and refreshments may also be available.

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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 7933
Bowling Alleys

Merchants that operate bowling alleys for entertainment, and may accept MasterCard cards for rental fees, pro shop purchases, refreshments, or usage fees. Merchants located within the bowling alley that are separately managed must be classified with the appropriate MCC for that type of business. For example, a restaurant located within a bowling alley must use MCC 5812; a bar must 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 7941
Commercial Sports, Professional Sports Clubs, Athletic Fields and Sports Promoters

Merchants that operate and promote semiprofessional and professional athletic clubs (such as baseball, basketball, football, hockey, and soccer), promote amateur and professional athletic events, and manage individual athletes. Sports arenas and stadiums are also included.

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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 7991
Tourist Attractions and Exhibits

Merchants that operate tourist attractions and exhibits for entertainment, such as expositions, botanical gardens, craft shows, museums, and wineries. For art exhibits held at art galleries, use MCC 5971.

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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 7992
Public Golf Courses

Merchants that operate public golf courses. Services offered may include greens fees and golf cart or equipment rentals. For restaurants and cafes located at the golf course, use MCC 5812. For pro shops that sell golfing supplies and equipment, use MCC 5941. For country clubs and private golf courses, use MCC 7997.

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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 7993
Video Amusement Game Supplies

Merchants that sell coin-operated amusement machines, equipment, and supplies. Products for sale may include video game machines, juke boxes, pinball machines, slot machines, mechanical games, and instant photograph booths. For merchants that operate video and game arcades, use MCC 7994.

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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 7994
Video Game Arcades and Establishments

Merchants that operate indoor playgrounds, interactive games and amusement machines, such as jukeboxes, video games, pinball machines, paintball, and laser tag games, mechanical games, and instant photograph booths. An acquirer may use this MCC to identify a U.S. region skill games merchant or a skill games merchant located outside the U.S. region that accepts payment from U.S. region cardholders for participation in a skill game conducted by such merchant.If such merchant's activities are regulated as gambling in any non-U.S. jurisdiction, then the merchant must be identified with MCC 7995. For merchants that sell amusement equipment, use MCC 7993. For merchants that operate games involving wagering, use MCC 7995.

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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 7995
Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting and Wagers at Race Tracks

Any transaction, other than an ATM transaction, involving the placing of a wager, the purchase of a lottery ticket, spread betting, in-flight commerce gaming, or the purchase of chips or other value usable for gambling in conjunction with gambling activities provided by wagering or betting establishments such as casinos, race tracks, card parlors, airlines, and the like.For other types of purchases associated with the establishment, such as food, lodging, or passage, use the MCC that best describes that 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 7996
Amusement Parks, Circuses, Carnivals and Fortune Tellers

Merchants that operate amusement parks and carnivals offering mechanical rides, snacks and food stands, games, animal exhibits, and entertainment Circuses, fortune tellers, astrologers, tarot card readers, and mystics also are included.

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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 7997
Membership Clubs (Sports, Recreation, Athletic), Country Clubs and Private Golf Courses

Merchants that operate sports and recreation facilities requiring membership. Examples of such facilities include exercise, athletic, and health clubs, country clubs, private golf courses, boating yacht clubs, swimming clubs, tennis clubs, bowling leagues, riding clubs, shooting and gun clubs, and racquetball clubs. Such merchants may or may not provide massage services and spa services such as facials, weight control counseling, aromatherapy, steam baths, and whirlpools. For merchants that primarily provide massages, use MCC 7297. For merchants that primarily operate a spa and its related services, use MCC 7298.

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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 7998
Aquariums, Seaquariums, Dolphinariums

Merchants that operate sea life parks and zoos for the entertainment and education of the general public. Other services located on the premises, such as restaurants or gift shops, must be classified with the MCC that best describes that type of business.

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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 7999
Recreational Services—Not Elsewhere Classified

Merchants that provide a wide variety of recreation and entertainment services that are not described by another, more specific MCC. Typically, these merchants provide services that require active physical participation such as swimming, playing miniature golf, snow skiing, miniature car racing, ice skating, rock climbing, skate boarding and horseback riding. These merchants may also rent bicycles, aircraft, motorcycles, go-carts, and other sporting equipment. As a general rule, these merchants are not clubs and do not require membership. For private sports and recreation clubs requiring membership, use MCC 7997. For boat rentals, use MCC 4457. For public golf courses, use MCC 7992.

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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 8011
Doctors and Physicians—Not Elsewhere Classified

Licensed physicians engaged in a practice of general or specialized medicine and surgery that is not more accurately identified by another more specific MCC. Such merchants include plastic and cosmetic surgeons, dermatologists, psychiatrists, radiologists, orthopedists, pediatricians, neurologists, obstetricians, and gynecologists.

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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 8021
Dentists and Orthodontists

Licensed physicians that practice general or specialized dentistry, such as dental surgery.

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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 8031
Osteopaths

Licensed physicians that provide therapy involving the non-surgical manipulation and adjustment of bone structures. For orthopedists that provide surgical treatments, use MCC 8011.

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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 8041
Chiropractors

Medical professionals that provide therapy in which the spinal column and limbs are manipulated and adjusted.

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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 8042
Optometrists and Ophthalmologists

Optometrists are medical professionals that examine and treat eye defects with corrective lenses or exercises. Ophthalmologists are licensed physicians that specialize in the structures, functions, and diseases of the eye, and may perform surgery. These merchants may or may not fill eyeglass or contact lens prescriptions, or sell eyeglass frames.

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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 8043
Opticians, Optical Goods and Eyeglasses

Merchants that read prescriptions for visual correction, order lenses, make and sell eyeglasses and contact lenses, and may perform eye examinations. Opticians may also sell a variety of optical goods such as safety glasses, sunglasses (prescription and regular), carrying cases, and eyeglass and contact lens solutions “One-hour eyeglasses” merchants generally located in shopping malls are included. For merchants that examine eyes and treat eye defects with procedures that may involve surgery or surgical techniques, use MCC 8042.

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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 8049
Podiatrists and Chiropodists

Licensed physicians specializing in the diagnosis and treatment of foot ailments.

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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 8050
Nursing and Personal Care Facilities

Merchants that provide inpatient nursing and health-related personal care services. Because of their mental or physical condition, patients in these facilities may require the administration of medications and treatments or the supervision of self-administered medications in accordance with a physician’s orders.This MCC includes convalescent homes, nursing homes, hospice facilities, and eldercare facilities that provide long-term care and generally do not perform surgery.

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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 8062
Hospitals

Hospitals that provide diagnostic services, extensive medical treatment including surgery, and other hospital services, as well as continuous nursing services for the sick and injured Includes mental and psychiatric hospitals, children’s hospitals, and maternity hospitals. For pet clinics or pet hospitals, use MCC 0742.

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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 8071
Medical and Dental Laboratories

Merchants that provide services to medical and dental professionals and to patients referred by physicians or dentists. Includes medical laboratories that perform biological analysis, blood analysis, urinalysis, X-ray, bacteriological analysis, and diagnostic analysis, and dental laboratories that make dentures, artificial teeth, crowns and bridges, and customized orthodontic 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 8099
Medical Services and Health Practitioners, Not Elsewhere Classified

Medical professionals that are not described by another, more specific MCC. Examples include physical therapists, occupational therapists, psychologists, and other health practitioners such as blood banks, planned parenthood clinics, fertility clinics, chemical dependency centers, hearing testing services, licensed massage therapists, surgical hair replacement clinics, and sports medicine clinics.

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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 8111
Legal Services and Attorneys

Merchants that are operated by members of the bar and provide legal advice and services. Such merchants may specialize in one area of litigation such as divorce or bankruptcy, or provide a full spectrum of legal 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 8211
Elementary and Secondary Schools

Elementary and secondary schools that provide academic instruction from kindergarten through twelfth grade, including public, private, parochial, and boarding schools. For preschools, use MCC 8351.

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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 8220
Colleges, Universities, Professional Schools and Junior Colleges

Community and junior colleges, universities, theological seminaries, and professional schools (including dental, law, engineering, and medical) that provide academic courses and grant academic degrees. The requirement for admission must be at least a high school diploma or its equivalent. For business and secretarial schools, use MCC 8244. For vocational and trade schools, use MCC 8249.

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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 8241
Correspondence Schools

Correspondence schools that offer educational instruction through the mail by sending lessons and examinations to the student.

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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 8244
Business and Secretarial Schools

Business and secretarial schools that offer general business training such as business machine operation, office procedures, word processing, stenographic, and other clerical skills. Such schools offer a training certificate but do not offer academic degrees. For vocational and trade schools, use MCC 8249.

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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 8249
Trade and Vocational Schools

Trade and vocational schools that offer training and instruction in specialized professions such as welding, mechanics, carpentry, real estate, and truck driving Such schools offer a training certificate but do not offer academic degrees.

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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 8299
Schools and Educational Services—Not Elsewhere Classified

Merchants that offer educational courses and services that are not described by another more specific MCC. Such merchants include schools that teach music, drama, art, cooking, modeling, karate schools, automobile driving instruction, traffic safety, flying instruction, and sewing or knitting instruction. For dance schools, use MCC 7911. For schools that grant academic degrees. For courses of study in music, drama, and art, uses MCC 8220.

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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 8351
Child Care Services

Merchants that provide child care services, including nannies, nursery schools, and day care centers. These merchants typically care for infants and preschool children, but may also care for older children, and may or may not provide educational 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 8398
Charitable and Social Service Organisations

Charitable (non-political) organizations that solicit contributions, social service organizations that provide social welfare services, advocacy groups, community organizations, and health agencies Use a TCC of T for fundraising performed through non–face-to-face methods such as phone orders.

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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 8641
Civic, Social and Fraternal Associations

Associations engaged in civic, social, or fraternal activities. Such associations include alumni associations and clubs, booster clubs, businesspersons clubs, community membership clubs, fraternal lodges, fraternities and sororities, social clubs, veterans’ organizations, and youth associations The activities of these groups may include political fund-raising; however, if this is the primary purpose of the organization, use MCC 8651.

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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 8651
Political Organisations

Membership organizations that promote the interests of a national, state, or local political party or candidate, including political groups organized specifically to raise funds for a political party or individual candidate.

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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 8661
Religious Organisations

Religious organizations that provide worship services, religious training or study, religious activities, and fund-raising. Examples are churches, convents, monasteries, mosques, shrines, synagogues, and temples.

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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 8675
Automobile Associations

Automobile associations and clubs. Such merchants provide members with special services such as travel and road condition information, maps and guides, and specials rates at restaurants, hotels, and car rental agencies. These merchants often charge an annual membership fee.

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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 8699
Membership Organisations—Not Elsewhere Classified

Organizations or associations that are not described by another, more specific MCC. Examples include historical clubs, labor unions, poetry clubs, art councils, and tenant or condominium associations. For membership to health and athletic clubs, use MCC 7997.

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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 8734
Testing Laboratories (Non-Medical)

Merchants that provide non-medical testing services to other businesses. Examples of such services include automobile testing, calibration, and certification, food testing, forensic testing, product and pollution testing, and industrial X-ray inspection services. For medical testing laboratories, use MCC 8071.

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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 8911
Architectural, Engineering and Surveying Services

Merchants that provide professional architectural, engineering, and land, water, and aerial surveying services. Included are home and building designers, ship, boat, and machine engineers and designers, and architectural engineers.

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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 8931
Accounting, Auditing and Bookkeeping Services

Merchants that provide accounting, bookkeeping, billing, payroll and other related auditing services, including Certified Public Accountants (CPAs). Such merchants also may provide income tax preparation services in addition to accounting and auditing services. For merchants that provide income tax preparation services without also providing accounting, auditing, and bookkeeping services, use MCC 7276.

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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 8999
Professional Services, Not Elsewhere Classified

Merchants engaged in traditional “professions” that offer highly specialized services, and often require employees to obtain advanced or specialized education or training to provide the services. This MCC should be used only if the merchant’s business is not described by another, more specific MCC. Examples of such merchants include mortgage brokers, research firms, financial planners, graphic designers, guest speakers and lecturers, court stenographers, real estate appraisers, research firms, and auction houses.

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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 9211
Court Costs, including Alimony and Child Support

Local, state, and federal courts of law that administer and process court fees (such as case administration costs and litigation processing fees), alimony, and child support payments. For merchants that process fines or penalties associated with the court system, use MCC 9222.

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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 9222
Fines

Government entities that administer and process local, state, and federal fines and penalties, motor vehicle violations, and community or property assessed fines.

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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 9223
Bail and Bond Payments

Merchants that post bail to the court system as security for the appearance of the arraigned individual.

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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 9311
Tax Payments

Local, state, and federal entities that engage in financial administration and taxation, including the collection of taxes and penalties and the custody and disbursement of funds. Such merchants include property tax assessors’ offices, customs bureaus, and state tax commissions.

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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 9399
Government Services—Not Elsewhere Classified

Merchants that provide general support services to the government such as personnel, auditing, procurement, and building management services, and are not described by another, more specific MCC. Examples include civil rights and civil service commissions, general government accounting offices, general services offices, government supply agencies, police, fire, and motor vehicle departments, and national, state, and city parks. This MCC may also be used to identify US state lottery ticket sales by merchants properly registered with MasterCard as set. Forth in section 945 of the Security Rules and Procedures manual. For intra-government transfers (IGOTS) program transactions, use MCC 9405. For state universities and colleges, use MCC 8220 Merchants involved in the sale of goods or services to the government should use the wholesale MCC that best describes the business.

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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 9402
Postal Services—Government Only

Government postal offices, including local post office branches. Services provided include accepting and processing packages and mail. For delivery, selling postage stamps, and express mailing services. For mail packaging stores that provide packaging services and sell stamps, greeting cards, and wrapping, and that may also provide services for UPS, Federal Express, and other express mail services, use MCC 7399.

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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 9405
Intra-Government Purchases—Government Only

Identifies transactions between governmental offices, departments, or agencies that participate in the intra-government transfers (IGOTS) program.

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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 9406
Government-owned Lottery (global, excluding U.S. region)

A lottery scheme conducted and managed by a government authority. Use of this MCC is restricted to the following regions: Asia/Pacific, Canada, Europe, Latin America and the Caribbean, and Middle East/Africa. Merchants located in the U.S. region should use MCC 7800: Government Owned Lottery (U.S. region only). NOTE: Use of MCC 9406 is appropriate to identify a duly licensed agent engaged in the sale of lottery tickets, reoccurring lottery subscription services, or both.

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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

MCC 8999: Professional Services Not Elsewhere Classified
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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