Merchant Category Code Lookup

Welcome to our comprehensive guide on Merchant Category Codes (MCCs). These unique four-digit numbers are essential for classifying businesses according to the type of goods or services they provide, playing a crucial role in the payment processing landscape.

Explore our user-friendly directory to better understand the specific MCCs relevant to your needs. Whether you are a merchant seeking to identify your classification, a financial professional looking for transaction clarity, or simply curious about different market sectors, our detailed list offers insights into each industry-associated code.

Main MCC categories

The MCCs are categorised as follows:

  • 0001–1499: Agricultural Services
  • 1500–2999: Contracted Services
  • 3000–3299: Airlines
  • 3300–3499: Car Rental
  • 3500–3999: Lodging
  • 4000–4799: Transportation Services
  • 4800–4999: Utility Services
  • 5000–5599: Retail Outlet Services
  • 5600–5699: Clothing Stores
  • 5700–7299: Miscellaneous Stores
  • 7300–7999: Business Services
  • 8000–8999: Professional Services
  • 9000–9999: Government Services

FAQ: Merchant Category Code Lookup

What is a Merchant Category Code?

A Merchant Category Code (MCC) is a four-digit number that categorizes a business by its service or product type for card networks. They are used to organize transactions for rewards, reporting, and fee assessment. Each MCC indicates the merchant's line of business and influences various financial and security protocols.

How to find my Merchant Category Code?

To locate your MCC, review your merchant statements or contact your payment processor. Your bank or the institution handling your credit card transactions can also provide this information. Direct communication with these entities or checking their provided documentation is the most reliable method.

Why do some companies get their own MCC?

Large companies or those with unique business models might have their own MCC due to their transaction volume or diverse services. This special classification helps in accurate transaction tracking, risk management, and rewards allocation, ensuring industry-specific practices are properly applied.