Merchant Category Codes (MCC codes)

A Merchant Category Code (MCC) is a four-digit number for retail financial services. An MCC is used to classify a business by the types of products or services it sells.

Assignment of MCCs

MCCs are assigned to a merchant account based either on the merchant type or by merchant name and is assigned to the merchant by acquiring bank company.

Uses of MCCs

An MCC reflects the primary category in which a merchant does business and may be used:
– to determine the interchange fee
– by card issuers to offer rewards for spending in specific categories
– by card networks to define rules and restrictions for card transactions
– for tax purposes

List of current MCC codes

Look up MCC code by merchant type:

MCC Code Merchant Type
MCC 4722 Travel agencies and tour operators
MCC 4812 Telecom equipment and sales
MCC 4814 Fax services
MCC 4814 Telecommunication service including local and long distance calls, credit card calls
MCC 4815 VisaPhone
MCC 4816 Computer network services
MCC 4821 Telegraph services
MCC 4829 Money Orders – Wire Transfer
MCC 4899 Cable and other pay television (previously Cable Services)
MCC 4900 Electric, Gas, Sanitary and Water Utilities
MCC 5013 Motor vehicle supplies and new parts
MCC 5021 Office and Commercial Furniture
MCC 5039 Construction Materials, Not Elsewhere Classified
MCC 5044 Office, Photographic, Photocopy, and Microfilm Equipment
MCC 5045 Computers, Computer Peripheral Equipment, Software
MCC 5046 Commercial Equipment, Not Elsewhere Classified
MCC 5047 Medical, Dental Ophthalmic, Hospital Equipment and Supplies
MCC 5051 Metal Service Centers and Offices
MCC 5065 Electrical Parts and Equipment
MCC 5072 Hardware Equipment and Supplies
MCC 5074 Plumbing and Heating Equipment and Supplies
MCC 5085 Industrial Supplies, Not Elsewhere Classified
MCC 5094 Precious Stones and Metals, Watches and Jewelry
MCC 5099 Durable Goods, Not Elsewhere Classified
MCC 5111 Stationery, Office Supplies, Printing, and Writing Paper
MCC 5122 Drugs, Drug Proprietors, and Druggist’s Sundries
MCC 5131 Piece Goods, Notions, and Other Dry Goods
MCC 5137 Men’s Women’s and Children’s Uniforms and Commercial Clothing
MCC 5139 Commercial Footwear
MCC 5169 Chemicals and Allied Products, Not Elsewhere Classified
MCC 5172 Petroleum and Petroleum Products
MCC 5192 Books, Periodicals, and Newspapers
MCC 5193 Florists’ Supplies, Nursery Stock and Flowers
MCC 5198 Paints, Varnishes, and Supplies
MCC 5199 Non-durable Goods, Not Elsewhere Classified
MCC 5200 Home Supply Warehouse Stores
MCC 5211 Lumber and Building Materials Stores
MCC 5231 Glass Stores
MCC 5231 Paint and Wallpaper Stores
MCC 5231 Wallpaper Stores
MCC 5251 Hardware Stores
MCC 5261 Nurseries – Lawn and Garden Supply Store
MCC 5271 Mobile Home Dealers
MCC 5300 Wholesale Clubs
MCC 5309 Duty Free Store
MCC 5310 Discount Stores
MCC 5311 Department Stores
MCC 5331 Variety Stores
MCC 5399 Misc. General Merchandise
MCC 5411 Grocery Stores
MCC 5411 Supermarkets
MCC 5422 Freezer and Locker Meat Provisioners
MCC 5422 Meat Provisioners – Freezer and Locker
MCC 5441 Candy Stores
MCC 5441 Confectionery Stores
MCC 5441 Nut Stores
MCC 5451 Dairy Products Stores
MCC 5462 Bakeries
MCC 5499 Misc. Food Stores – Convenience Stores and Specialty Markets
MCC 5511 Car and Truck Dealers (New and Used) Sales, Service, Repairs, Parts, and Leasing
MCC 5521 Automobile and Truck Dealers (Used Only)
MCC 5531 Automobile Supply Stores
MCC 5532 Automotive Tire Stores
MCC 5533 Automotive Parts, Accessories Stores
MCC 5541 Service Stations ( with or without ancillary services)
MCC 5542 Automated Fuel Dispensers
MCC 5551 Boat Dealers
MCC 5561 Recreational and Utility Trailers, Camp Dealers
MCC 5571 Motorcycle Dealers
MCC 5592 Motor Home Dealers
MCC 5598 Snowmobile Dealers
MCC 5611 Men’s and Boy’s Clothing and Accessories Stores
MCC 5621 Women’s Ready – to – Wear Stores
MCC 5631 Women’s Accessory and Specialty Shops
MCC 5641 Children’s and Infant’s Wear Stores
MCC 5651 Family Clothing Stores
MCC 5655 Sports Apparel, Riding Apparel Stores
MCC 5661 Shoe Stores
MCC 5681 Furriers and Fur Shops
MCC 5691 Men’s and Women’s Clothing Stores
MCC 5697 Tailors, Seamstress, Mending, and Alterations
MCC 5698 Wig and Toupee Stores
MCC 5699 Miscellaneous Apparel and Accessory Shops
MCC 5712 Furniture, Home Furnishings, and Equipment Stores, Except Appliances
MCC 5713 Floor Covering Stores
MCC 5714 Drapery, Window Covering and Upholstery Stores
MCC 5718 Fireplace, Fireplace Screens, and Accessories Stores
MCC 5719 Miscellaneous Home Furnishing Specialty Stores
MCC 5722 Household Appliance Stores
MCC 5732 Electronic Sales
MCC 5733 Music Stores, Musical Instruments, Piano Sheet Music
MCC 5734 Computer Software Stores
MCC 5735 Record Shops
MCC 5811 Caterers
MCC 5812 Eating places and Restaurants
MCC 5813 Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques
MCC 5814 Fast Food Restaurants
MCC 5912 Drug Stores and Pharmacies
MCC 5921 Package Stores – Beer, Wine, and Liquor
MCC 5931 Used Merchandise and Secondhand Stores
MCC 5932 Antique Shops – Sales, Repairs, and Restoration Services
MCC 5933 Pawn Shops and Salvage Yards
MCC 5935 Wrecking and Salvage Yards
MCC 5937 Antique Reproductions
MCC 5940 Bicycle Shops – Sales and Service
MCC 5941 Sporting Goods Stores
MCC 5942 Book Stores
MCC 5943 Stationery Stores, Office and School Supply Stores
MCC 5944 Watch, Clock, Jewelry, and Silverware Stores
MCC 5945 Hobby, Toy, and Game Shops
MCC 5946 Camera and Photographic Supply Stores
MCC 5947 Card Shops, Gift, Novelty, and Souvenir Shops
MCC 5948 Leather Foods Stores
MCC 5949 Sewing, Needle, Fabric, and Price Goods Stores
MCC 5950 Glassware/Crystal Stores
MCC 5960 Direct Marketing – Insurance Service
MCC 5961 Mail Order Houses Including Catalog Order Stores, Book/Record Clubs (No longer permitted for .S. original presentments)
MCC 5962 Direct Marketing – Travel Related Arrangements Services
MCC 5963 Door – to – Door Sales
MCC 5964 Direct Marketing – Catalog Merchant
MCC 5965 Direct Marketing – Catalog and Catalog and Retail Merchant Direct Marketing – Outbound Telemarketing Merchant
MCC 5966 Direct Marketing – Outbound telemarketing
MCC 5967 Direct Marketing -Inbound Teleservices Merchant
MCC 5968 Direct Marketing – Continuity/Subscription Merchant
MCC 5969 Direct Marketing – Not Elsewhere Classified
MCC 5970 Artist’s Supply and Craft Shops
MCC 5971 Art Dealers and Galleries
MCC 5972 Stamp and Coin Stores – Philatelic and Numismatic Supplies
MCC 5973 Religious Goods Stores
MCC 5975 Hearing Aids – Sales, Service, and Supply Stores
MCC 5976 Orthopedic Goods Prosthetic Devices
MCC 5977 Cosmetic Stores
MCC 5978 Typewriter Stores – Sales, Rental, Service
MCC 5983 Fuel – Fuel Oil, Wood, Coal, Liquefied Petroleum
MCC 5992 Florists
MCC 5993 Cigar Stores and Stands
MCC 5994 News Dealers and Newsstands
MCC 5995 Pet Shops, Pet Foods, and Supplies Stores
MCC 5996 Swimming Pools – Sales, Service, and Supplies
MCC 5997 Electric Razor Stores – Sales and Service
MCC 5998 Tent and Awning Shops
MCC 5999 Miscellaneous and Specialty Retail Stores
MCC 6010 Financial Institutions – Manual Cash Disbursements
MCC 6011 Financial Institutions – Manual Cash Disbursements
MCC 6012 Financial Institutions – Merchandise and Services
MCC 6051 Non – Financial Institutions – Foreign Currency, Money Orders (not wire transfer) and Travelers Cheques
MCC 6211 Security Brokers/Dealers
MCC 6300 Insurance Sales, Underwriting, and Premiums
MCC 6381 Insurance Premiums, (no longer valid for first presentment work)
MCC 6399 Insurance, Not Elsewhere Classified ( no longer valid for first presentment work)
MCC 7011 Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)
MCC 7012 Timeshares
MCC 7032 Sporting and Recreational Camps
MCC 7033 Trailer Parks and Camp Grounds
MCC 7210 Laundry, Cleaning, and Garment Services
MCC 7211 Laundry – Family and Commercial
MCC 7216 Dry Cleaners
MCC 7217 Carpet and Upholstery Cleaning
MCC 7221 Photographic Studios
MCC 7230 Barber and Beauty Shops
MCC 7251 Shop Repair Shops and Shoe Shine Parlors, and Hat Cleaning Shops
MCC 7261 Funeral Service and Crematories
MCC 7273 Dating and Escort Services
MCC 7276 Tax Preparation Service
MCC 7277 Counseling Service – Debt, Marriage, Personal
MCC 7278 Buying/Shopping Services, Clubs
MCC 7296 Clothing Rental – Costumes, Formal Wear, Uniforms
MCC 7297 Massage Parlors
MCC 7298 Health and Beauty Shops
MCC 7299 Miscellaneous Personal Services ( not elsewhere classifies)
MCC 7311 Advertising Services
MCC 7321 Consumer Credit Reporting Agencies
MCC 7332 Blueprinting and Photocopying Services
MCC 7333 Commercial Photography, Art and Graphics
MCC 7338 Quick Copy, Reproduction and Blueprinting Services
MCC 7339 Stenographic and Secretarial Support Services
MCC 7342 Disinfecting Services
MCC 7342 Exterminating and Disinfecting Services
MCC 7349 Cleaning and Maintenance, Janitorial Services
MCC 7361 Employment Agencies, Temporary Help Services
MCC 7372 Computer Programming, Integrated Systems Design and Data Processing Services
MCC 7375 Information Retrieval Services
MCC 7379 Computer Maintenance and Repair Services, Not Elsewhere Classified
MCC 7392 Management, Consulting, and Public Relations Services
MCC 7393 Protective and Security Services – Including Armored Cars and Guard Dogs
MCC 7394 Equipment Rental and Leasing Services, Tool Rental, Furniture Rental, and Appliance Rental
MCC 7395 Photofinishing Laboratories, Photo Developing
MCC 7399 Business Services, Not Elsewhere Classified
MCC 7512 Car Rental Companies ( Not Listed Below)
MCC 7513 Truck and Utility Trailer Rentals
MCC 7519 Motor Home and Recreational Vehicle Rentals
MCC 7523 Automobile Parking Lots and Garages
MCC 7531 Automotive Body Repair Shops
MCC 7534 Tire Re – treading and Repair Shops
MCC 7535 Paint Shops – Automotive
MCC 7538 Automotive Service Shops
MCC 7542 Car Washes
MCC 7549 Towing Services
MCC 7622 Radio Repair Shops
MCC 7623 Air Conditioning and Refrigeration Repair Shops
MCC 7629 Electrical And Small Appliance Repair Shops
MCC 7631 Watch, Clock, and Jewelry Repair
MCC 7641 Furniture, Furniture Repair, and Furniture Refinishing
MCC 7692 Welding Repair
MCC 7699 Repair Shops and Related Services – Miscellaneous
MCC 7829 Motion Pictures and Video Tape Production and Distribution
MCC 7832 Motion Picture Theaters
MCC 7841 Video Tape Rental Stores
MCC 7911 Dance Halls, Studios and Schools
MCC 7922 Theatrical Producers (Except Motion Pictures), Ticket Agencies
MCC 7929 Bands. Orchestras, and Miscellaneous Entertainers (Not Elsewhere Classified)
MCC 7932 Billiard and Pool Establishments
MCC 7933 Bowling Alleys
MCC 7941 Commercial Sports, Athletic Fields, Professional Sport Clubs, and Sport Promoters
MCC 7991 Tourist Attractions and Exhibits
MCC 7992 Golf Courses – Public
MCC 7993 Video Amusement Game Supplies
MCC 7994 Video Game Arcades/Establishments
MCC 7995 Betting (including Lottery Tickets, Casino Gaming Chips, Off – track Betting and Wagers)
MCC 7996 Amusement Parks, Carnivals, Circuses, Fortune Tellers
MCC 7997 Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses
MCC 7998 Aquariums, Sea – aquariums, Dolphinariums
MCC 7999 Recreation Services (Not Elsewhere Classified)
MCC 8011 Doctors and Physicians (Not Elsewhere Classified)
MCC 8021 Dentists and Orthodontists
MCC 8031 Osteopaths
MCC 8041 Chiropractors
MCC 8042 Optometrists and Ophthalmologists
MCC 8043 Opticians, Opticians Goods and Eyeglasses
MCC 8044 Opticians, Optical Goods, and Eyeglasses (no longer valid for first presentments)
MCC 8049 Podiatrists and Chiropodists
MCC 8050 Nursing and Personal Care Facilities
MCC 8062 Hospitals
MCC 8071 Medical and Dental Laboratories
MCC 8099 Medical Services and Health Practitioners (Not Elsewhere Classified)
MCC 8111 Legal Services and Attorneys
MCC 8211 Elementary and Secondary Schools
MCC 8220 Colleges, Junior Colleges, Universities, and Professional Schools
MCC 8241 Correspondence Schools
MCC 8244 Business and Secretarial Schools
MCC 8249 Vocational Schools and Trade Schools
MCC 8299 Schools and Educational Services ( Not Elsewhere Classified)
MCC 8351 Child Care Services
MCC 8398 Charitable and Social Service Organizations
MCC 8641 Civic, Fraternal, and Social Associations
MCC 8651 Political Organizations
MCC 8661 Religious Organizations
MCC 8675 Automobile Associations
MCC 8699 Membership Organizations ( Not Elsewhere Classified)
MCC 8734 Testing Laboratories ( non – medical)
MCC 8911 Architectural – Engineering and Surveying Services
MCC 8931 Accounting, Auditing, and Bookkeeping Services
MCC 8999 Professional Services ( Not Elsewhere Defined)
MCC 9211 Court Costs, including Alimony and Child Support
MCC 9222 Fines
MCC 9223 Bail and Bond Payments
MCC 9311 Tax Payments
MCC 9399 Government Services ( Not Elsewhere Classified)
MCC 9402 Postal Services – Government Only
MCC 9405 Intra – Government Transactions
MCC 9700 Automated Referral Service (For Visa Only)
MCC 9701 Visa Credential Service ( For Visa Only)
MCC 9702 GCAS Emergency Services ( For Visa Only)
MCC 9950 Intra – Company Purchases ( For Visa Only)

View list of high risk merchant category codes

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