Your MCC code is critical to your merchant account. Your code will dictate how much of an interchange fee you will spend when processing credit card transactions. Here are 10 things to know about your MCC Code:

The General Concept

An MCC code is a Merchant Category Code. It is a four-digit number listed under the ISO 18245 standard.

An MCC entails the classification of a business based on the types of goods or services it offers. The four major credit card networks will assign a four-digit MCC to each business that accepts credit cards.

Your business can apply to the Visa, MasterCard, American Express, and Discover card networks to state you wish to accept their credit cards. Each network will review your business based on what it provides and then assign an MCC code to your entity.

A card network will use these codes to categorize and review all purchases on the network. For example, a business listed under the 5074 code will appear as a plumbing and heating equipment business. Meanwhile, a company with the 5462 code will be categorized as a bakery.

How Does This Relate To Your Merchant Account?

Your MCC code is essential to your merchant account, as it will determine what you will spend on interchange fees. You’ll have to pay an interchange fee to handle transactions with particular credit card networks, which will be a percentage of whatever you wish to purchase. A network can charge a specific fee based on your interchange rate. A network may charge a higher rate if it determines your MCC is a high-risk business, for example.

What Is Your MCC?

The process for how to find MCC code data will vary by each card network. You can contact your card network of interest to see what MCC you hold.

Visa offers a supplier locator that lets you search for MCCs in your local area. You could use this to identify your unique MCC.

MasterCard also has an online reference book listing all its MCCs. But MasterCard doesn’t provide any direct ways how you can find specific MCCs in your area.

American Express and Discover do not have any listings you can utilize for how to find MCC code data.

Citi has a full MCC code list to help you identify your code. You can use this list to see the extensive assortment of codes available.

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4814 Fax services
4814 Telecommunication service including local and long distance calls, credit card calls, calls through use of magneticstrip reading telephones and fax services
4815 VisaPhone
4821 Telegraph services
4829 Money Orders – Wire Transfer
4899 Cable and other pay television (previously Cable Services)
4900 Electric, Gas, Sanitary and Water Utilities
5013 Motor vehicle supplies and new parts
5021 Office and Commercial Furniture
5039 Construction Materials, Not Elsewhere Classified
5044 Office, Photographic, Photocopy, and Microfilm Equipment
5045 Computers, Computer Peripheral Equipment, Software
5046 Commercial Equipment, Not Elsewhere Classified
5047 Medical, Dental Ophthalmic, Hospital Equipment and Supplies
5051 Metal Service Centers and Offices
5065 Electrical Parts and Equipment
5072 Hardware Equipment and Supplies
5074 Plumbing and Heating Equipment and Supplies
5085 Industrial Supplies, Not Elsewhere Classified
5094 Precious Stones and Metals, Watches and Jewelry
5099 Durable Goods, Not Elsewhere Classified
5111 Stationery, Office Supplies, Printing, and Writing Paper
5122 Drugs, Drug Proprietors, and Druggist’s Sundries
5131 Piece Goods, Notions, and Other Dry Goods
5137 Men’s Women’s and Children’s Uniforms and Commercial Clothing
5139 Commercial Footwear
5169 Chemicals and Allied Products, Not Elsewhere Classified
5172 Petroleum and Petroleum Products
5192 Books, Periodicals, and Newspapers
5193 Florists’ Supplies, Nursery Stock and Flowers
5198 Paints, Varnishes, and Supplies
5199 Non-durable Goods, Not Elsewhere Classified
5200 Home Supply Warehouse Stores
5211 Lumber and Building Materials Stores
5231 Glass Stores
5231 Paint and Wallpaper Stores
5231 Wallpaper Stores
5251 Hardware Stores
5261 Nurseries – Lawn and Garden Supply Store
5271 Mobile Home Dealers
5300 Wholesale Clubs
5309 Duty Free Store
5310 Discount Stores
5311 Department Stores
5331 Variety Stores
5399 Misc. General Merchandise
5411 Grocery Stores
5411 Supermarkets
5422 Freezer and Locker Meat Provisioners
5422 Meat Provisioners – Freezer and Locker
5441 Candy Stores
5441 Confectionery Stores
5441 Nut Stores
5451 Dairy Products Stores
5462 Bakeries
5499 Misc. Food Stores – Convenience Stores and Specialty Markets
5511 Car and Truck Dealers (New and Used) Sales, Service, Repairs, Parts, and Leasing
5521 Automobile and Truck Dealers (Used Only)
5531 Automobile Supply Stores
5532 Automotive Tire Stores
5533 Automotive Parts, Accessories Stores
5541 Service Stations ( with or without ancillary services)
5542 Automated Fuel Dispensers
5551 Boat Dealers
5561 Recreational and Utility Trailers, Camp Dealers
5571 Motorcycle Dealers
5592 Motor Home Dealers
5598 Snowmobile Dealers
5611 Men’s and Boy’s Clothing and Accessories Stores
5621 Women’s Ready – to – Wear Stores
5631 Women’s Accessory and Specialty Shops
5641 Children’s and Infant’s Wear Stores
5651 Family Clothing Stores
5655 Sports Apparel, Riding Apparel Stores
5661 Shoe Stores
5681 Furriers and Fur Shops
5691 Men’s and Women’s Clothing Stores
5697 Tailors, Seamstress, Mending, and Alterations
5698 Wig and Toupee Stores
5699 Miscellaneous Apparel and Accessory Shops
5712 Furniture, Home Furnishings, and Equipment Stores, Except Appliances
5713 Floor Covering Stores
5714 Drapery, Window Covering and Upholstery Stores
5718 Fireplace, Fireplace Screens, and Accessories Stores
5719 Miscellaneous Home Furnishing Specialty Stores
5722 Household Appliance Stores
5732 Electronic Sales
5733 Music Stores, Musical Instruments, Piano Sheet Music
5734 Computer Software Stores
5735 Record Shops
5811 Caterers
5812 Eating places and Restaurants
5813 Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques
5814 Fast Food Restaurants
5912 Drug Stores and Pharmacies
5921 Package Stores – Beer, Wine, and Liquor
5931 Used Merchandise and Secondhand Stores
5832 Antique Shops – Sales, Repairs, and Restoration Services
5933 Pawn Shops and Salvage Yards
5935 Wrecking and Salvage Yards
5937 Antique Reproductions
5940 Bicycle Shops – Sales and Service
5941 Sporting Goods Stores
5942 Book Stores
5943 Stationery Stores, Office and School Supply Stores
5944 Watch, Clock, Jewelry, and Silverware Stores
5945 Hobby, Toy, and Game Shops
5946 Camera and Photographic Supply Stores
5947 Card Shops, Gift, Novelty, and Souvenir Shops
5948 Leather Foods Stores
5949 Sewing, Needle, Fabric, and Price Goods Stores
5950 Glassware/Crystal Stores
5960 Direct Marketing – Insurance Service
5961 Mail Order Houses Including Catalog Order Stores, Book/Record Clubs (No longer permitted for .S. original presentments)
5962 Direct Marketing – Travel Related Arrangements Services
5963 Door – to – Door Sales
5964 Direct Marketing – Catalog Merchant
5965 Direct Marketing – Catalog and Catalog and Retail Merchant Direct Marketing – Outbound Telemarketing Merchant
5967 Direct Marketing -Inbound Teleservices Merchant
5968 Direct Marketing – Continuity/Subscription Merchant
5969 Direct Marketing – Not Elsewhere Classified
5970 Artist’s Supply and Craft Shops
5971 Art Dealers and Galleries
5972 Stamp and Coin Stores – Philatelic and Numismatic Supplies
5973 Religious Goods Stores
5975 Hearing Aids – Sales, Service, and Supply Stores
5976 Orthopedic Goods Prosthetic Devices
5977 Cosmetic Stores
5978 Typewriter Stores – Sales, Rental, Service
5983 Fuel – Fuel Oil, Wood, Coal, Liquefied Petroleum
5992 Florists
5993 Cigar Stores and Stands
5994 News Dealers and Newsstands
5995 Pet Shops, Pet Foods, and Supplies Stores
5996 Swimming Pools – Sales, Service, and Supplies
5997 Electric Razor Stores – Sales and Service
5998 Tent and Awning Shops
5999 Miscellaneous and Specialty Retail Stores
6010 Financial Institutions – Manual Cash Disbursements
6011 Financial Institutions – Manual Cash Disbursements
6012 Financial Institutions – Merchandise and Services
6051 Non – Financial Institutions – Foreign Currency, Money Orders (not wire transfer) and Travelers Cheques
6211 Security Brokers/Dealers
6300 Insurance Sales, Underwriting, and Premiums
6381 Insurance Premiums, (no longer valid for first presentment work)
6399 Insurance, Not Elsewhere Classified ( no longer valid for first presentment work)
7011 Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)
7012 Timeshares
7032 Sporting and Recreational Camps
7033 Trailer Parks and Camp Grounds
7210 Laundry, Cleaning, and Garment Services
7211 Laundry – Family and Commercial
7216 Dry Cleaners
7217 Carpet and Upholstery Cleaning
7221 Photographic Studios
7230 Barber and Beauty Shops
7251 Shop Repair Shops and Shoe Shine Parlors, and Hat Cleaning Shops
7261 Funeral Service and Crematories
7273 Dating and Escort Services
7276 Tax Preparation Service
7277 Counseling Service – Debt, Marriage, Personal
7278 Buying/Shopping Services, Clubs
7296 Clothing Rental – Costumes, Formal Wear, Uniforms
7297 Massage Parlors
7298 Health and Beauty Shops
7299 Miscellaneous Personal Services ( not elsewhere classifies)
7311 Advertising Services
7321 Consumer Credit Reporting Agencies
7332 Blueprinting and Photocopying Services
7333 Commercial Photography, Art and Graphics
7338 Quick Copy, Reproduction and Blueprinting Services
7339 Stenographic and Secretarial Support Services
7342 Disinfecting Services
7342 Exterminating and Disinfecting Services
7349 Cleaning and Maintenance, Janitorial Services
7361 Employment Agencies, Temporary Help Services
7372 Computer Programming, Integrated Systems Design and Data Processing Services
7375 Information Retrieval Services
7379 Computer Maintenance and Repair Services, Not Elsewhere Classified
7392 Management, Consulting, and Public Relations Services
7393 Protective and Security Services – Including Armored Cars and Guard Dogs
7394 Equipment Rental and Leasing Services, Tool Rental, Furniture Rental, and Appliance Rental
7395 Photofinishing Laboratories, Photo Developing
7399 Business Services, Not Elsewhere Classified
7512 Car Rental Companies ( Not Listed Below)
7513 Truck and Utility Trailer Rentals
7519 Motor Home and Recreational Vehicle Rentals
7523 Automobile Parking Lots and Garages
7531 Automotive Body Repair Shops
7534 Tire Re – treading and Repair Shops
7535 Paint Shops – Automotive
7538 Automotive Service Shops
7542 Car Washes
7549 Towing Services
7622 Radio Repair Shops
7623 Air Conditioning and Refrigeration Repair Shops
7629 Electrical And Small Appliance Repair Shops
7631 Watch, Clock, and Jewelry Repair
7641 Furniture, Furniture Repair, and Furniture Refinishing
7692 Welding Repair
7699 Repair Shops and Related Services – Miscellaneous
7829 Motion Pictures and Video Tape Production and Distribution
7832 Motion Picture Theaters
7841 Video Tape Rental Stores
7911 Dance Halls, Studios and Schools
7922 Theatrical Producers (Except Motion Pictures), Ticket Agencies
7929 Bands. Orchestras, and Miscellaneous Entertainers (Not Elsewhere Classified)
7932 Billiard and Pool Establishments
7933 Bowling Alleys
7941 Commercial Sports, Athletic Fields, Professional Sport Clubs, and Sport Promoters
7991 Tourist Attractions and Exhibits
7992 Golf Courses – Public
7993 Video Amusement Game Supplies
7994 Video Game Arcades/Establishments
7995 Betting (including Lottery Tickets, Casino Gaming Chips, Off – track Betting and Wagers)
7996 Amusement Parks, Carnivals, Circuses, Fortune Tellers
7997 Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses
7998 Aquariums, Sea – aquariums, Dolphinariums
7999 Recreation Services (Not Elsewhere Classified)
8011 Doctors and Physicians (Not Elsewhere Classified)
8021 Dentists and Orthodontists
8031 Osteopaths
8041 Chiropractors
8042 Optometrists and Ophthalmologists
8043 Opticians, Opticians Goods and Eyeglasses
8044 Opticians, Optical Goods, and Eyeglasses (no longer valid for first presentments)
8049 Podiatrists and Chiropodists
8050 Nursing and Personal Care Facilities
8062 Hospitals
8071 Medical and Dental Laboratories
8099 Medical Services and Health Practitioners (Not Elsewhere Classified)
8111 Legal Services and Attorneys
8211 Elementary and Secondary Schools
8220 Colleges, Junior Colleges, Universities, and Professional Schools
8241 Correspondence Schools
8244 Business and Secretarial Schools
8249 Vocational Schools and Trade Schools
8299 Schools and Educational Services ( Not Elsewhere Classified)
8351 Child Care Services
8398 Charitable and Social Service Organizations
8641 Civic, Fraternal, and Social Associations
8651 Political Organizations
8661 Religious Organizations
8675 Automobile Associations
8699 Membership Organizations ( Not Elsewhere Classified)
8734 Testing Laboratories ( non – medical)
8911 Architectural – Engineering and Surveying Services
8931 Accounting, Auditing, and Bookkeeping Services
8999 Professional Services ( Not Elsewhere Defined)
9211 Court Costs, including Alimony and Child Support
9222 Fines
9223 Bail and Bond Payments
9311 Tax Payments
9399 Government Services ( Not Elsewhere Classified)
9402 Postal Services – Government Only
9405 Intra – Government Transactions
9700 Automated Referral Service (For Visa Only)
9701 Visa Credential Service ( For Visa Only)
9702 GCAS Emergency Services ( For Visa Only)
9950 Intra – Company Purchases ( For Visa Only)

Check Credit Card Statements

One idea for how to find MCC code data is to review credit card statements surrounding purchases at your business. The report will list MCC information, whether it entails a specific code or a category. For example, a floral shop may be listed under either the “Florist” category or under the 5992 code.

Not all credit card statements will be straightforward in listing your MCC. But you can use the report on a statement to figure out what a company might see in your business.

Multiple MCCs In One Place

Your business might have multiple MCCs if you provide different types of products or services. For example, a movie theater might have one MCC for the tickets it sells. But that same theater will have a different MCC for its concessions sales, which may be interpreted as dining instead of entertainment.

Defining Rules For Transactions

Your business might have rules for how certain transactions can work. You might require specific authorization rules to facilitate transactions if your MCC meets certain standards. A card network will review the MCC and determine if it demands specific processing rules.

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High-Risk Codes

Be advised when looking at what is MCC code data that your business might fall under a high-risk category. Businesses with high-risk MCCs will pay more in interchange fees and may be subject to additional transaction rules.

High-risk MCCs are for businesses in industries where the risk of cardholder disputes is high. These are fields where chargebacks and other returns are more likely to occur. These are also fields that may be risky for regulatory intentions. Among the fields that qualify for high-risk MCCs are direct marketing activities, telecom services, gambling activities, drugstores and pharmacies, and dating and escort services.

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Can You Change Your MCC?

There might be times when you need to use something else on your MCC code list. You might not agree with your current MCC, or you cannot afford the interchange fees for what you have now.

You can directly petition a credit card network for a new MCC. You will require information on your business, what you offer, and what your sales numbers display. It may take months for a network to reply, and there’s no guarantee you’ll get a new MCC.

Check Your Code Today!

Knowing your MCC code can go a long way towards helping you run your business right. Check an MCC code list to see where your business falls.

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