Visa Merchant Data Standards Manual

Visa Supplemental Requirements

May 2021
© 2021 Visa. All Rights Reserved.
Note: This document is a supplement of the Visa Core Rules and Visa Product and Service Rules. In
the event of any conflict between any content in this document, any document referenced
herein, any exhibit to this document, or any communications concerning this document, and
any content in the Visa Core Rules and Visa Product and Service Rules, the Visa Core Rules and
Visa Product and Service Rules shall govern and control.
Merchant Data Standards Manual Summary of Changes

Visa Merchant Data Standards Manual –

Summary of Changes for this Edition

This is a global document and should be used by members in all Visa Regions.

In this edition, details have been added to describe the merchant naming conventions that may be used by
merchants processing a recurring transaction that is as a result of a subscription that began with a trial period.
Also, clarification have been made to the Marketplace MCC selection rules regarding which factors related to
sales volume drive MCC selection.
In addition, details have been added to the descriptions of the following MCCs in order to facilitate easier
merchant designation and classification:
MCC 5815 Digital Goods Media – Books, Movies, Music has been updated to confirm merchants offering
ongoing steaming of digital media content on a subscription basis should use MCC 4899 MCC 5816
Digital Goods – Games has been updated to confirm this MCC excludes games of chance and does
include Fantasy Sports (in jurisdictions where they not considered gambling)
MCC 5968 Direct Marketing – Continuity/Subscription Merchant has been updated to confirm merchants
classified with this MCC sell subscription products for delivery (such as book clubs, collectibles,
magazines/newspapers cosmetics, food, clothing, “nutraceuticals”) via “direct” mail, email. apps, or
salespeople. Additional clarifications added that Merchants not participating in direct marketing activities
that happen to offer recurring purchase transactions (regardless of whether the subscription leverages an
initial trial period) should use the MCC that best describes their business and that qualified merchants
that sell subscriptions for digital goods or content may use MCC 5815, 5816, 5817, or 5818.
MCC 7512 Automobile Rental Agency has been updated to confirm the MCC also includes car-sharing
schemes (known as “car-clubs” in the UK)
MCC 7994 Video Game Arcades/Establishments has been updated to include social casinos not offering
any prizes of monetary value MCC 7995 Betting, including Lottery Tickets, Casino Gaming Chips, Off-
Track Betting, and Wagers at Race Tracks has been updated to include games of chance to win prizes of
monetary value including sweepstakes

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Merchant Data Standards Manual Table of Contents

Table of Contents

Introduction ............................................................................................................................................. 1
Section 1: Merchant Data Requirements ................................................................................................. 2
Determining a Merchant Name .................................................................................................................3
Determining a Merchant Location .............................................................................................................8
Determining Merchant Category Codes ..................................................................................................15
General Requirements...................................................................................................................15
Mandatory Multiple MCCs .............................................................................................................16
Section 2: Merchant Category Code Listing .......................................................................................... 20
Section 3: New MCC or MCC Change Requests ................................................................................. 104

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Merchant Data Standards Manual Introduction

Introduction
The Visa Merchant Data Standards Manual contains requirements for merchant/payment
facilitator/marketplace classification, location, and various data elements, including merchant
location, merchant category codes (MCC), and other VisaNet data formats.

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Merchant Data Standards Manual Section 1: Merchant Data Requirements

Section 1: Merchant Data Requirements

This section contains requirements for assigning and formatting the following data
elements:
 Merchant name
 Merchant location, payment facilitator location, digital wallet operator location, and
marketplace location (including city, state, and country formats)
 Supplementary merchant information
 Merchant category code (MCC)
Merchant data must be the same as, or consistent with, comparable data throughout a
transaction’s life cycle and on the transaction receipt.
Visa retains the right to require corrections to non-compliant or confusing merchant data.

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Merchant Data Standards Manual Section 1: Merchant Data Requirements

Determining a Merchant Name

The merchant name is the most important factor in cardholder recognition of
General
transactions. Correct use helps to minimize copy requests resulting from
requirements unrecognizable merchant names and reduces costs to acquirers, issuers and
merchants.
The merchant name must be the name most prominently displayed by the merchant
and by which cardholders recognize the merchant (while also reflecting the merchant’s
“Doing Business As” (DBA) name).
Merchants may sometimes use names that do not cause confusion when viewed at the
merchant premises, but may confuse the cardholder if viewed out of context on a
cardholder statement. Examples of such names would include a parking garage named
John’s Farm (that is no longer the site of a farm) or a restaurant named Ship Chandler.
When the content of the merchant name is inconsistent with the MCC, the merchant
name must contain extra information that identifies the type of merchant to the
cardholder. In the example above, the merchant descriptor for John’s Farm must be
John’s Farm Parking; the descriptor for Ship Chandler must be Ship Chandler
Restaurant.
A merchant with multiple merchant outlets may add the city, store number, or other
unique identifier to distinguish the specific merchant outlet.
Example One:
A fuel station is a franchisee of a large retail chain. Accordingly, the retail chain name,
brand, and colors are prominently displayed on the forecourt and inside the shop. The
name of the franchisee is in the window on an A4 notice for legal reasons. The
merchant name must be the name of the retail chain, possibly with an added indication
of the location.
Example Two:
An individual owns a taxicab that he leases to other drivers to provide taxi services as
part of a large taxi company chain. The taxicab displays the taxi company name and is
painted in the company’s colors. The driver leasing the taxi has his own acceptance
contract. For legal reasons, that driver’s name is on a plate on the dashboard. The
merchant name must be the name of the taxi company, possibly with the taxicab
number to differentiate it from other taxis that provide services for the same company.
The merchant name must not be the name of the taxi driver, nor may it be the name of
the owner of the car.

Example Three:
A magazine offers annual subscriptions through postcards inserted in every issue.
Although the magazine is one of several published by the same company, the publisher
is not mentioned on the postcard. The merchant name must be the name of the
magazine, as that is the name that was displayed to the cardholder. It may only be the
name of the publishing house if the publisher was clearly shown on the postcard as the
merchant.

Payment A merchant is an entity that represents itself to the buyer as selling services or goods.
Facilitators and If an entity handles payments on behalf of sellers through an online marketplace that
Marketplaces brings together multiple buyers and sellers it may be classified as a marketplace.

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Merchant Data Standards Manual Section 1: Merchant Data Requirements

An entity is a payment facilitator if it is not a marketplace, does not sell goods or

services to cardholders, and deposits transactions or receives settlement on behalf of
the merchant.
In determining whether an entity is a merchant, payment facilitator, or marketplace, Visa
looks at each transaction separately. There are a number of entities that operate as the
merchant for some transactions and operate in a different capacity for other
transactions. Such entities must process each transaction according to the rules that
apply to the type of transaction.

Franchise:
ABC Inc. owns the franchise for The Ultimate Hamburger. ABC’s name is displayed on
a printed sheet of paper in the office window, per government requirements. Everything
else—including the large sign in corporate colors outside the shop, the menu boards,
and the staff uniform—displays the Ultimate name. ABC’s location is indistinguishable
from locations owned and run by Ultimate and locations owned by other franchisees.
Any disputes are resolved with cardholders by Ultimate’s head office. To cardholders,
Ultimate is representing itself as selling the goods. Ultimate qualifies as the merchant.

Department Store:
DJS is a department store and leases some areas on its ground floor to perfume
companies that own the perfume they sell. The signage outside the shop is DJS, and
the entire store is in their corporate design and color. A customer can take goods from
any counter and pay for them at any cash register in the store. The customer sees the
perfume brand being sold at a unique counter in the store, but they also see unique
counters for different brands of jeans, which are owned and sold by DJS. Any disputes
are resolved with cardholders by DJS customer service division. For the purpose of the
test, DJS is representing itself to the cardholder as selling all the goods in the store, and
DJS qualifies as the merchant.

Online Marketplace (1):

Corriedale’s runs an online marketplace specializing in sales to sheep farmers. There
are several hundred sellers represented on the website, some are major retailers and
some are individual sellers. Corriedale does not purchase or supply the goods.
Customers using the website can search for a specific item or a specific seller. In each
case, the names of the retailers are clearly displayed along with the price of the goods
(which can vary by retailer) and ratings assigned by customers. The look and feel of
each web page remains that of Corriedale. It is possible to combine and pay for goods
from multiple retailers in the same transaction. Corriedale handles the payments for
sales and chargebacks and sets the returns policy, but customer disputes are handled
by individual retailers. Corriedale has in place a process for resolving disputes
between cardholders and retailers. Corriedale is not a merchant—the retailers on the
site represent themselves as the sellers of the goods, and not Corriedale. Corridale
must register with Visa as a marketplace.

Online Marketplace (2)

Specialist Parts of Munich (SPoM) is an online marketplace that brings together buyers
and sellers of vintage car and truck parts in a single location. Sellers must arrange their
own payments, and often choose to use a payment facilitator with which the
marketplace has a referral agreement. Sellers may choose their own acquirer or a
different payment facilitator.

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SPoM does not qualify as a marketplace, as it does not handle payments on behalf of
its sellers. The payment facilitator with which it has a referral agreement is also not a
marketplace, as its primary function is to facilitate payments; it does not bring together
buyers and sellers nor fill many of the other marketplace criteria.
Visa authorization and clearing systems provide 25 spaces in which to describe the
Formatting the
merchant name and acquirers are required to be able to use all 25 spaces.
Merchant Name Merchant names longer than 25 characters (this includes letters, blank spaces, and all
symbols) will not fit into the merchant name field and must be abbreviated (but not just
truncated after the 25th character). Information in the merchant name field must enable
the cardholder to accurately identify the specific merchant, and the part of the name that
uniquely identifies the merchant to the cardholder must not be abbreviated. This is
shown in the example below:
Name: NEW YORK HOME HARDWARE DISTRIBUTORS (35 characters)
Possible abbreviations:
N Y H O M E H A R D W A R E D I S T R .

N E W Y O R K H O M E H D W D I S T R .

In general, the merchant name field must only contain the merchant name, as set out
Supplementary
above. However, there are a number of specific exceptions to this rule in the table
Merchant Name below.
Information for
Note: even for the categories set out below, supplementary data is not permitted if it
Specific makes the content of the merchant name field confusing or counter to other
Transactions requirements (such as abbreviation requirements). In some cases, the merchant name
may not be truncated at all.
The supplemental data must be static, and must appear in all transactions. For
example, if a merchant outlet chooses to include a location descriptor in the merchant
name field, it must be the same in every transaction. Two exceptions to this rule are
airline/US railway ticket numbers and the words “No Show”, which need only appear in
no show transactions.
If a merchant with multiple merchant outlets chooses to include a location descriptor in
the merchant name field. It must use the same type of information (for example, city
name) for all its outlets. It must not add the city name for some outlets, the store number
for some outlets and no information for others.

Transaction Supplementary Data Required/Optional

Effective 17 After the merchant name, may contain language to indicate that the recurring
April 2021 transaction is as a result of a subscription that began with a trial period,
discounted introductory offer, promotional period, etc.
For the first For example: in English, this may be any of the following:
recurring
 “End Trial”
transaction at Required
 “End Offer”
the end of a trial  “End Free Trial”
period,  “End Trial Period”
discounted  “End Discount”
introductory  Other similar language
offer, or

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Merchant Data Standards Manual Section 1: Merchant Data Requirements

promotional Merchants may use other language or transaction-specific details (for example,
period universal resource locator (URL) or order number) to help the cardholder identify
that their trial period, discounted introductory offer or promotional period has
ended, and that the regular price now applies for the subscription.
For example:
M E R C H A N T N A M E E N D T R I A L
A general description of the type of purchase (beverage, meals, seat upgrade,
Purchase of lounge access, duty free etc
goods or
Information in the merchant name field must use the following format:
services at an
airline or US • Merchant name in the first 11 or 12 positions Optional
passenger • A blank in position 12, if applicable
railway • A general description of the goods or services beginning position 13
(“ancillary For example:
purchase”)
A I R L I N E N A M E D U T Y - F R E E
Must contain all of the following:
Purchase of an
airline ticket or • An abbreviated airline (or US railway) name in the first 11 or 12 positions
US passenger • A blank in position 12 if applicable Required
railway ticket • Airline (or US railway) ticket identifier beginning position 13
For example:
A I R L I N E N A M E 1 2 3 4 5 6 7 8 9 0 1 2 3
Most fuel is sold under large retail brands, and that brand must be the merchant Required
Purchase at an name. Since the brand often has multiple locations in a city, the merchant is
AFD likely to include a place descriptor such as a city name or a location number. The
required merchant name must not be abbreviated or truncated in order to place
supplemental information into the merchant name field.
For example:

B I G B R A N D P E T R O L # 3 2 2
Purchase at a If the transaction takes place at an unattended terminal in Russia operated by a Required
UCAT in Russia third party, the third party's name (or an abbreviation of the third party's name)
(CEMEA must be included with the associated merchant name.
Region)
Purchase of Additional information may be included after the merchant name and an asterisk Optional
Goods or (*) to indicate an order number, reference number, or other information to identify
Services the transaction.
If the transaction is an installment transaction, installment information (1 of 2, 2 of
2, etc.) must appear after the asterisk.
For vehicle rental and hotel merchants, the merchant name must not be
truncated in order to place supplemental information into the merchant name
field.
Cash For a manual cash disbursement at a member location, the disbursing member’s Required
name must appear first, followed by the disbursing location’s branch, office
number, or other unique identifier.

G R E A T B A N K W E S T E N D

For an automated cash disbursement at a member location, a transaction

descriptor such as “cash” must be used, and at least one of the following:
 Disbursing member name
 Name of the disbursing member’s affiliated domestic, regional, or national
network

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 The 3-digit servicing carrier code and a 10-digit transmission control

network, excluding the check digit
 A 3-digit carrier number, 3-digit form number, and 7-digit serial number,
excluding the check digit

B A N C O L O M B I A C A S H
B A N C O L C A S H 1 2 3 1 2 3 4 5 6 7 8 9

Original Credit As required by the Visa Direct Original Credit Transaction (OCT) Global Required
Transactions Implementation Guide

No-Show May also include the words “NO SHOW” after the merchant name. Optional
Transactions
Payment A payment facilitator transaction that contains the payment facilitator and Required
Facilitator sponsored merchant identifiers may populate the merchant name field with
either the sponsored merchant name (alone), or a combination of both the
sponsored merchant and payment facilitator name, using (i) the name of the
payment facilitator (or an abbreviation), (ii) followed by an asterisk (*), and
(iii) the sponsored merchant name (e.g., Payment facilitator
name*Sponsored Merchant name). It should choose the name that is the
more recognizable to the cardholder.

If a Cardholder accesses the website and/or application of a high-brand risk

merchant or a high-brand risk sponsored merchant and is then linked or
forwarded to the website and/or application of a high-risk internet payment
facilitator for payment, the name of the high-risk internet payment facilitator
must appear in the merchant name field in conjunction with the name of the
high-brand risk sponsored merchant.
Staged Digital For funding transactions, the merchant name field must contain the name of Required
Wallet the digital wallet operator.
For back-to-back funding transactions, the merchant name field must contain
(i) the name of the digital wallet operator, (ii) followed by an asterisk (*), and
(iii) the retailer name.
Marketplace The marketplace may use the marketplace name alone. It may choose to Required
insert the name of the seller into the merchant name field, using (i) the name
of the marketplace (or an abbreviation), (ii) followed by an asterisk (*), and
(iii) the retailer name.

Business The BPSP name must appear with the supplier name. The BPSP name must be Required
Payment the merchant name it registered with Visa. The complete name should appear.
Solution An abbreviation may be used for long names, but it must be easily recognizable.
Provider
(BPSP)
The field must contain (i) the name of the BPSP (ii) followed by an asterisk (*)
and (iii) the supplier name, or an abbreviation, (e.g. BPSP name*supplier name).
An acquirer must ensure that the BPSP or supplier name remains consistent for
all transactions.
Consumer Bill Effective 17 October 2020, the CBPS name must appear with the biller name. Required
Payment The CBPS name must be the merchant name it registered with Visa. The
Servicer complete name should appear. An abbreviation may be used for long names, but
(CBPS) it must be easily recognizable.

The field must contain (i) the name of the CBPS (ii) followed by an asterisk (*)
and (iii) the biller name, or an abbreviation, (e.g. CBPS name*biller name). An

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acquirer must ensure that the CBPS or biller name remains consistent for all
transactions.
Service Fee,
US Region Must contain the words "Service Fee" after the merchant name. Required
Wire Transfer Must contain Required
Money Order  The name of the wire transfer operator used to identify itself to its
Transactions, customers
US Region
 An asterisk (*)
 The merchant location at which the money order is issued in the
remaining positions

Determining a Merchant Location

An acquirer is responsible for assigning the correct location of each merchant outlet.
The same location (country) must be: disclosed to the cardholder at the time of the
transaction (via the website for electronic commerce merchants, verbally for telephone
orders, or on the mail order form); used throughout the transaction life cycle (including
but not limited to in the authorization request(s), clearing record, credit transaction, and
chargeback record(s)); and be accurately reflected in the VisaNet record and in
fulfilling any merchant reporting requirements.
For card-present transactions at a merchant with a fixed location, the acquirer must
Card-Present
assign the location of the merchant outlet as the location where the transaction took
Transactions place.
Some merchants do not operate from a fixed location. For an in-transit transaction,
particularly a plane or a ship, the place where the transaction took place is not always
clear. Accordingly, the rules specify a choice of places that the merchant may use as
the merchant location for the purposes of a Visa transaction.
For other merchants that do not operate from a fixed location (such as a merchant that
travels between different locations), the location must be either the location where the
transaction takes place, or the merchant’s principal place of business (the fixed
location where a merchant’s executive officers direct, control, and coordinate the
entity’s activities).
Only the type of merchant outlet, and not the acceptance device/terminal type, is
relevant in determining whether a merchant is or is not in a fixed location. For example,
an electronics merchant may use mPOS devices inside its store. The store is a fixed
location, so the merchant location must be the address of that store.
The location of a card-absent transaction takes into account additional factors. The
Card-Absent
cardholder is not present at the merchant outlet when the transaction takes place, and
Transactions the activities needed to complete the transaction may occur in different locations,
perhaps in different countries.
A card-absent merchant must disclose the location of the merchant outlet (and,
therefore, of the transaction) to the cardholder at the time of the transaction. An e-
commerce merchant must prominently display the merchant outlet country to the
cardholder on the same screen as the check-out screen or on a page immediately prior
to the check-out screen. It must not be contained only via a hyperlink.

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A merchant must use its principal place of business as the merchant outlet location for
card-absent transactions – that is the fixed location where the merchant’s executive
officers direct, control, and coordinate the entity’s strategy, operations, and activities).
A merchant may have only one principal place of business for it and its group
subsidiaries.
In the case of a corporate group, the merchant location is determined at the corporate
group level (i.e., as a single entity). For example, this means that a multinational
merchant must use its principal place of business as the merchant location, and may
only use the country of a subsidiary if that country qualifies as an additional merchant
location.
Under certain conditions a merchant may also use other countries as merchant outlets
in addition to the principal place of business:
 For travel/lodging merchants, where a travel agent does not conduct the
transaction, the merchant location may be any of the following countries:

– For airlines, passenger railways, cruise lines, and other travel merchants, the
country from which the first leg of travel originates
– For lodging merchants, the country in which the stay occurs
– For car/vehicle rental merchants, the country in which the vehicle is rented
– For taxi/ride services, the country in which the journey originates
 For the purchase of travel where a travel agent conducts the transaction, the
location of the travel agent determines the merchant outlet country, regardless of
whether the merchant is the travel agent or the travel merchant. The rules for
other card-absent transactions in the next bullet must be used to determine the
location of the travel agent.
 For other card-absent transactions, the merchant outlet location may also be the
country where the merchant conducts the business activity directly related to the
provision of the purchased goods or services to the cardholder. To assign an
additional country to a merchant in this situation, the acquirer must ensure that the
merchant meets all of the following criteria:

– The merchant has a permanent location where the merchant conducts

business activities and where those accountable for the sale or distribution of
the goods or services purchased in the specific transaction decide how
products are sold or distributed. The following are not, in themselves,
sufficient to satisfy these criteria:
1. A post office box, a mail-forwarding address, the address of the
merchant’s law firm, agent, or vendor, or an email address
2. The location of a payments function, customer service function, servers or
URL, or the presence of a director or investor

– The merchant assesses sales taxes on the transaction activity. Such taxes
must be assessed on the total amount of the sale of the goods or services.
(“Sales tax” is a generic term for a range of taxes levied on the sale, and
includes sales tax, good and service tax (GST), and value-added tax (VAT).
This condition does not apply when no sales taxes are assessable on the sale
according to local law
– The location is the legal jurisdiction of the contract that governs the sale of the
goods or services (the transaction)

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For clarity, if a card-absent merchant (except in the case of direct sales by a

travel/lodging merchant) qualifies for one or more additional merchant outlet
locations, it may assign an additional location for a transaction only as the
location where the underlying business activity occurs for that specific
transaction.
 Acquirers of digital goods merchants that qualify for MCCs 5815, 5816, 5817, or
5818 may be granted additional locations after submitting proof of additional
relevant business activity to Visa (including, but not limited to, the location of
servers).
 Within the European Economic Area (EEA), a merchant may satisfy the criteria for
establishing a card-absent merchant outlet location if all the relevant business
activity occurs within the EEA. That is, the activity must all occur within EEA
countries, but does not need to occur in a single EEA country. When the
qualifying business activity is spread across multiple EEA countries, the acquirer
may assign any of those countries as the additional merchant outlet location. On
the other hand, an EEA country may not be used as a card-absent merchant
outlet location if no business activity occurs there, or if there is business activity
that is not sufficient to satisfy any of the Visa criteria. For example, an EEA
country may be the merchant location if there are permanent premises at which
employees make decisions on what goods are sold and the merchant pays sales
taxes on those goods, even though the jurisdiction for the contract of sale is
another EEA country. On the other hand, if a country just has a post box, or it is
the location of only payment processing, it may not be used, as these are
insufficient to fulfil any criterion.
A payment facilitator location must be the country of its principal place of business, and
Payment may be an additional country or countries if all activities specified in the Visa rules
Facilitators occur in each country.
However, within the Europe Region, the relevant business activity required to establish
a payment facilitator location does not need to occur in a single country. If the required
activity is spread across multiple Europe Region countries, the acquirer may assign
any of those countries as an additional payment facilitator location. For clarity, all of the
activities listed in the Visa rules must occur within the Europe Region, and the acquirer
may assign as the payment facilitator location any (or any combination) of the
countries in which the required activity occurs. A Europe Region country does not
qualify as a payment facilitator location if no relevant business activity occurs there or if
the payment facilitator does not have a business license there.
A staged digital wallet operator location must be the country of its principal place of
Staged Digital business, and may be an additional country or countries if all activities specified in the
Wallet Operators Visa rules occur in each country.
However, within the Europe Region, the relevant business activity required to establish
an SDWO location does not need to occur in a single country. If the required activity is
spread across multiple Europe Region countries, the acquirer may assign any of those
countries as an additional SDWO location. For clarity, all of the activities listed in the
Visa rules must occur within the Europe Region, and the acquirer may assign as the
SDWO location any (or any combination) of the countries in which the required activity
occurs. A Europe Region country does not qualify as an SDWO location if no relevant
business activity occurs there or if the SDWO does not have a business license there.
The location of a marketplace (as defined in the Visa rules) must be the country of its
Marketplaces principal place of business, and may be an additional country or countries if all
activities specified in the Visa rules occur in each country.

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Retailers that sell goods or services through a qualifying marketplace may be located
in a different country to the marketplace. When that happens, the location of the
marketplace must be used to process the transaction.
Acquirers are responsible for ensuring their merchants / sponsored merchants undergo
Other Location-
an adequate due-diligence review to establish the correct merchant outlet location.
Related
Requirements Visa reserves the right to dispute merchant locations and make a final determination
based on the criteria specified in the Visa rules or any other information available to
Visa.

Acquirers must ensure that the merchants they sign are legitimately located in their
jurisdiction. Acquirers of card-absent merchants should look at additional factors (for
which a merchant would already have needed to demonstrate to carry out the business
activity that enabled the sale) to validate that the merchant location is genuine,
including:

 Any other country of domicile claimed by the merchant / sponsored merchant

 The country of domicile of the merchant’s sponsored merchant’s agent or
payment facilitator
 The country1 most connected to the merchant / sponsored merchant’s website,
marketing material, and transaction activity with reference to:
– The currency selected to settle transactions
– The language used to explain the terms and conditions
– The percentage of international transactions
 The country2 of the tax authority in which the merchant assesses sales taxes
 The legal jurisdiction of any laws to which the merchant is subject
 The fixed address where the merchant’s executive officers direct, control, and
coordinate the entity’s strategy, operations, and activities, or of operational
facilities where the merchant’s core business processes are managed (for
example: product development and management, research and development,
accounting, finance, human resources, information technology)
 The location of customer support facilities where orders are taken/processed and
inquiries/complaints are processed

Examples Example 1:
A cardholder makes a purchase on board a ferry traveling between Singapore and
Malaysia. There is no need to determine in which country’s territory the vessel is
travelling at the time of the transaction. Under the Visa requirements, the merchant
outlet is an in-transit merchant outlet, and the merchant may choose the country where
the trip commenced (Singapore), the destination (Malaysia), or the merchant’s principal
place of business.
Example 2:
A cardholder purchases an air ticket online from the airline website for travel from the
U.S.A. to Japan. The airline is a U.S. airline. In this case, the merchant outlet location
must be the U.S.A., as it is both the principal place of business for the airline and the
place the journey begins.

1
Within the European Economic Area, acquirers should ensure that these activities occur within an EEA country
2
Within the European Economic Area, acquirers should ensure that these activities occur within an EEA country

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Example 3:
A cardholder purchases an air ticket online from the airline website for travel from
Japan to the USA. The airline is a Singaporean airline. In this case, the merchant may
choose the merchant’s principal place of business (Singapore) or the place the journey
begins (Japan).
Example 4:
A cardholder purchases an air ticket from a Canadian travel agent for a flight between
Australia and South Africa. The airline is an Australian airline, and the merchant name
in the transaction record is that of the airline. The merchant location is Canada, as that
is the country of the travel agent.
Example 5:
A merchant headquartered in the U.S.A. hires drivers in Uzbekistan to carry Visa
cardholders, competing against taxis. Cards are lodged with the merchant’s app and
payment is made as a card-absent payment. The merchant outlet location must be the
USA, which is the merchant’s principal place of business, or Uzbekistan, which is the
location where the ride began.
Example 6:
A merchant using MCC 5817 or 5818 sells software, downloaded through its website.
The merchant’s principals work and reside in Manila. Unless Visa approves an
exception, the merchant must use the Philippines as its merchant outlet location,
because that is the merchant’s principal place of business. The same company has a
regional hub in Singapore and a call center in Brazil. Both the Singapore and Brazil
offices assess sales taxes on software sold. The Singapore office also has people who
control the pricing and the product design for sales in Asia, and the jurisdiction for the
customer contract is Singapore. The merchant may use Singapore as an additional
merchant location to sell the goods priced and designed there. Unless Visa approves
an exception, Brazil does not qualify as a merchant location, because the employees
there do not manage the development, pricing, and sale of the goods sold in the
specific transaction.
Example 7:
A merchant sells shoes online to consumers all over the world. The merchant’s
executive officers work and reside in the UK. The merchant must use the UK as the
merchant location, because it is the merchant’s principal place of business. The same
merchant has a regional hub in Brazil for all of its Latin America operations, and has a
local management team and call center staff, determines pricing, determines marketing
strategy and conducts marketing campaigns, ships merchandise from a warehouse to
all of Latin America, and assesses sales taxes based on Brazilian law. The merchant
may claim Brazil as an additional merchant location, because business activity is
occurring in Brazil. Furthermore, because the business activity is occurring in Brazil for
all of its Latin America activity, the merchant may use Brazil as an additional merchant
location for all countries in Latin America.
Example 8:
An ecommerce maple syrup merchant has its principal place of business in Canada. It
has permanent locations in the UK, France, Spain, and the Netherlands. Its France
office manages pricing and decisions on which goods are to be sold in Europe. The
Spain office manages distribution. UK law is the law of the contract, and the company
pays VAT in the UK on its European sales. The Netherlands office processes
payments. As the business activity may be spread across multiple EEA countries, and
all the required business activity occurs in the EEA, the merchant may choose to

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assign its merchant outlet location to one of the EEA countries in which relevant
business activity occurs. In this case, it may choose France, Spain, or the UK.
Payment processing activity alone is not sufficient as business activity, so the
merchant may not use the Netherlands. It may not use any other country in the EEA,
as there is no relevant business activity.
Example 9:
An online travel agent has its principal place of business in Australia. Its UK office
makes decisions on pricing for UK transactions. Its office in Germany manages other
aspects of the company’s European sales – deciding strategy and marketing,
managing customer relations, and handling disputes. It pays VAT in Germany.
Australian law governs the contract of sale for transactions in all countries. The only
country that may be used as a merchant outlet location for card-absent transactions is
Australia, as that is the principal place of business. The EEA may not be assigned as a
merchant outlet location, because not all of the required activities occur in EEA
countries.

Merchant The merchant city field reflects the city in which the transaction occurred and, for most
City transactions, must reflect the city in which the merchant outlet is located.
Visa authorization and clearing systems provide 13 characters in which to place the
merchant city information. Whenever possible, the merchant city should be completely
spelled out and not abbreviated. A clear and discernible city name is required.
For example, use:

S T P E T E R S B U R G

Do not use:

S A I N T P E T E R S B

Exceptions
For some transaction types, information other than the city name must or may be
included in the merchant city field:
• Transactions at a Military Base, Embassy, or Consulate
Must contain the name of the country in which the military base, embassy, or
consulate is located.
• Card-Absent Transactions
Must contain the merchant’s customer service telephone number, the merchant’s
universal resource locator (URL) or internet/e-mail address
 Effective 17 April 2021
For the first recurring transaction at the end of a trial period, discounted
introductory offer, or promotional period, may contain language or transaction-
specific details to help the cardholder identify that their trial period, discounted
introductory offer or promotional period has ended, and that the regular price now
applies for the subscription
• Transit Merchant Transactions (MCCs 4111, 4112 and 4131)
In addition to the merchant city, may include a telephone number or URL through
which the cardholder may obtain transaction information
• Traveling Merchant Transactions
May contain an appropriate descriptive phrase, such as:
– SEMINAR

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– ONBOARD TRAIN (PLANE) (SHIP)

– HOME SALE
– SERVICE CALL
• Travel Agency Transactions – The merchant city field may contain the name of the
travel agency.

Merchant State The merchant state field must include the US state in which the transaction occurred
(and, for most transactions, the state in which the merchant outlet is located).
(US Region)
Traveling Merchants:
When the merchant outlet is in the 50 United States or the District of Columbia but not a
fixed location, include “XX” (for BASE II transactions) or “99” (for Single Message System
transactions) in this field.
Military Bases, Embassies, or Consulates:
When the transaction takes place at a US military base, embassy, or consulate located
outside the 50 United States and the District of Columbia, include “XX” (for BASE II
transactions) or “99” (for Single Message System transactions) in this field.

Merchant Country The merchant country field must reflect the country in which the merchant outlet is
located. The correct merchant country code must be used.

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Merchant Data Standards Manual Section 2: Determining Merchant Category Codes

Determining Merchant Category Codes

The Merchant Category Code (MCC) is a four-digit number assigned to describe a
merchant’s primary business based on annual sales volume measured in local
currency. In addition, some MCCs identify a specific merchant or type of transaction.
Visa and its members use MCC data for a range of purposes, including activity
tracking, reporting, and risk management.
It is an important requirement that acquirers (and their agents) assign the correct MCC
to each of their merchants. Visa retains the right to require corrections to MCC
assignments and use.

The following rules apply to the assignment of MCCs:

General
Requirements 1. Select the MCC that most accurately describes the merchant’s business. The
MCC, in most cases, should reflect the primary type of business in which the
merchant is engaged. If the merchant has more than one line of business and may
qualify for more than one MCC, the merchant must either:
 Use the MCC that describes the business with the highest sales volume
(measured in local currency) to process all Visa sales
 Use different MCCs for each line of business.
2. Use “miscellaneous” MCCs (usually ending in “99”) only if there is no MCC specific
to the merchant’s business. MCC descriptions are very accurate, and merchants
must only be assigned a “miscellaneous” MCC when no other MCC applies to its
business.
3. Merchants with multiple merchant outlets must choose the appropriate MCC for
each individual outlet. Electronic commerce websites are merchant locations in
themselves. A merchant generally has only one e-commerce merchant location per
country, however, acquirers may have multiple websites in the same country if
there are different merchant names or a check-out processes.
4 If there are different businesses operating on the same merchant premises, each
business must be assigned its own MCC if:
 It operates under a different merchant name
 It operates in a distinct area
 It has separate points of sale.
For example, lodging merchants often operate other types of businesses on the
premises (restaurant, flower shop, gift shop, etc.) with separate business names
and payment acceptance devices. These other businesses must use the MCC that
describes the specific business operation. For example, a flower shop in a hotel
should be classified under MCC 5992 (Florists), whether or not it is affiliated with
the hotel property.
5. When applicable, use the unique merchant-specific MCCs that have been
designated for major travel and entertainment (T&E) merchants. If an airline, car
rental, or lodging merchant has a merchant-specific MCC, it must be used for all
transactions related to the merchant’s core business. For example, an airline with
its own MCC should use that MCC for ticket purchase, baggage fees, upgrade
fees, and purchases made on the aircraft. Airline, car rental, and lodging

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merchants that do not have their own MCCs must use the “generic” MCC for that
merchant type: 4511 – Airlines, Air Carriers (Not Elsewhere Classified), 7512 – Car
Rental Agencies (Not Elsewhere Classified), and 7011 – Lodging – Hotels, Motels,
Resorts, Central Reservation Services (Not Elsewhere Classified).
6. Direct marketing and wholesale club MCCs describe how the merchant conducts
its business rather than what the merchant sells or provides. For example, a direct
marketing merchant sells through catalogs, brochures, telemarketing, direct
mailings, etc and conducts card-absent transactions. A direct marketing merchant
can sell any type of product or service physical or digital to consumers but must
use a direct marketing MCC.

There are a number of cases where a merchant must be assigned multiple MCCs.
Mandatory
Multiple MCCs  Automated Fuel Dispensers
A merchant that deploys Automated Fuel Dispensers (AFD) must use MCC 5542
(Automated Fuel Dispensers) for AFD transactions. If the merchant also sells other
goods or services, the merchant must use the appropriate MCC for those
transactions.
 Cash Disbursements at ATMs
A member that deploys ATMs must use MCC 6011(Financial Institutions,
Automated Cash Disbursements) for ATM cash disbursements. All other
transactions (for example, the sale of stamps) at an ATM must use the appropriate
MCC.
 Manual Cash Disbursements
A member that provides manual (face-to-face) cash disbursements must use MCC
6010 (Financial Institutions, Manual Cash Disbursements) for those transactions.
All other transactions at the same merchant location must use the appropriate
MCC for those transactions (such as MCC 6012 (Financial Institutions –
Merchandise, Services, and Debt Repayment)).
 Quasi-Cash transactions including Crypto Currency Sellers
A merchant that sells quasi-cash must use MCC 6051 (Non-Financial Institutions –
Foreign Currency, Non-Fiat Currency (for example: Cryptocurrency), Money
Orders (Not Money Transfer), Account Funding (not Stored Value Load), Travelers
Cheques, and Debt Repayment) or MCC 6012 – Financial Institutions –
Merchandise, Services, and Debt Repayment for those transactions even if selling
quasi-cash is not the merchant’s primary business. Additionally, purchases of
cryptocurrency must also contain Processing Code 11 (Field 3). In addition, all
clearing messages involving the purchase of cryptocurrency must contain the
Special Condition Indicator. All other transactions at the same merchant location
must use the appropriate MCC for those transactions.
 Money Transfer
Merchants classified with this MCC allow customers to transfer funds via an
electronic funds transfer / wire transfer / remittance (both card-present and card-
absent locations including on the premises of the merchant and third-party agents
such as casinos, truck stops, or check-cashing storefronts) or via an original credit
transaction (e.g., via Visa Direct or Person to Person [P2P] payments).
 Different businesses in one location
A merchant must assign different MCCs to different businesses on the same
premises if all of the following apply:

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– There are distinct areas in the location for each business.

– Each has its business name / type clearly shown to customers.
– Each business has its own points of sale.
Examples would include a nightclub and restaurant owned by the same company
in separate, but adjacent areas; a coffee shop inside a supermarket, with its own
branding and payment system; a restaurant inside a hotel that is in its own
separate area and has its own name, branding, and payment system.
 An electronic commerce site with a link to a different website
A merchant that links from its own ecommerce website to another website must
use the appropriate MCC for each website.
 Payment Facilitator: A payment facilitator is a third party. Accordingly, it must
evaluate the business of every sponsored merchant, and assign the MCC most
appropriate to the sponsored merchant’s business.

 Gambling
In a card-present environment, a merchant that conducts gambling transactions
must use MCC 7995 (Betting, including Lottery Tickets, Casino Gaming Chips, Off-
Track Betting, Wagers at Race Tracks and games of chance to win prizes of
monetary value) for those transactions. If the merchant also sells other goods or
services, it must use the appropriate MCC for the other services.

 Card-absent environment: If the merchant conducts online gambling transactions,

however, it must use MCC 7995 for all transactions, even if gambling is not the
merchant’s primary business.
 US Merchants: Lottery and gambling transactions that qualify for MCC 7800, 7801
and/or 7802 must use the applicable MCC for all transactions even if gambling is
not the merchant’s primary business. If the merchant also sells other goods or
services, it must use the appropriate MCC for the other services.

 Multiple lines of business, one or more of which is considered “high-brand

risk”
A merchant that has multiple lines of business in the same location must assign a high-
brand-risk MCC to the line of business that is considered high-brand-risk and another MCC
to other businesses that are not considered high-brand-risk. Current high-brand risk MCCs
are:
For all Card-Absent Transactions using the following MCCs:
– 5122 (Drugs, Drug Proprietaries, Druggist Sundries)
– 5912 (Drug Stores, Pharmacies)1
– 5962 (Direct Marketing – Travel-Related Arrangement Services)
– 5966 (Direct Marketing – Outbound Telemarketing Merchants
– 5967 (Direct Marketing – Inbound Telemarketing Merchants)
– 5993 (Cigar Stores and Stands)1
– 7273 (Dating and Escort Services)
– 7995 (Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting,
Wagers at Race Tracks and games of chance to win prizes of monetary value)
For certain Card-Absent Transactions using the following MCCs:
– 4816 (Computer Network/Information Services), for the sale of access to cyberlockers
or remote digital file-sharing services
– 5816 (Digital Goods – Games), for Transactions involving skilled game wagering (for

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example: daily fantasy sports)

– 6051 (Non-Financial Institutions – Foreign Currency, Non-Fiat Currency (for example:
Cryptocurrency], Money Orders [Not Money Transfer], Travelers Cheques, and Debt
Repayment), for the sale of cryptocurrencies environment
1 In the AP Region, Canada Region, CEMEA Region, Europe Region, LAC Region: Applies only if the Merchant conducts
Transactions other than Domestic Transactions
If a merchant or marketplace sells more than one type of merchandise or has more
Optional Multiple
than one line of business, it must use the MCC that best describes the business with
MCCs the highest sales volume (measured in local currency) to process all Visa sales. The
acquirer and the merchant may determine that an additional MCC and merchant or
marketplace identifier is appropriate for each different line of business. A marketplace
that sells multiple lines of goods may use MCC 5262 (Marketplaces)

Examples of Example One:

Multiple MCCs A merchant sells books, stationery, and newspapers, and also has a music CD
department. Book sales make up the majority of the merchant’s business, so the
correct MCC is 5942 (Book Stores).
Example Two:
A merchant operates a restaurant and nightclub. In the restaurant, which is upstairs,
customers are served dinner; the nightclub, which is downstairs, charges a cover and
serves drinks. Each floor has its own business name on the door, and they have
separate places to pay and separate acceptance device. The merchant must use two
different MCCs: 5812 (Eating Places, Restaurants), and 5813 – (Drinking Places
(Alcoholic Beverages), Bars, Taverns, Cocktail Lounges, Nightclubs, and
Discotheques).
Example Three:
A merchant operates a beauty salon that sells hair products in the front of its store, and
a day spa in the rear of the building. Both businesses use the same DBA name, and
both operate using the same acceptance device near the front door of the shop.
Initially, the salon did the majority of the business, using MCC 7230 (Beauty and
Barber Shops). Recently, the spa has generated more in sales, and the potential for
growth is apparent. For this business, the merchant now has two choices:
 Change MCC to reflect the change in business and use 7298 (Health and
Beauty Spas) as the only MCC
 Continue to use 7230 (Beauty and Barber Shops) for the salon, and use a
separate acceptance device for the spa, using 7298 (Health and Beauty Spas).
If the spa uses its own name and starts using its own acceptance device, the
merchant must use both MCCs.
Example Four:
A local county government office allows community members to pay for property taxes
with a Visa card, using MCC 9311 (Tax Payments). The county also owns and
operates a ballpark and accepts registrations from the youth athletic leagues. The
government office would like to use the same MCC for both situations. Based on the
specificity of MCC 9311 for tax payments, it is inappropriate for the county to accept
the ballpark registrations using this MCC. In this example, the office must use 9399
(Government Services, not elsewhere classified) because it is a payment to the county
government that does not fall under any other government-related MCC.
Example Five:
John’s Walk and Carry sells shoes and luggage on the internet. The majority of goods
sold through the website are shoes, so the merchant must use MCC 5661 (Shoe

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Stores). The merchant may also use 5948 (Luggage and Leather Goods Stores) even
though it is only required to use the one MCC for this merchant outlet. If the merchant
decides to split the different businesses into different websites with separate check-out
processes but with links between the sites, they are now considered two different
merchant outlets and must now use different MCCs to reflect the different businesses.
Example Six:
A service station uses AFDs to sell fuel on the forecourt, and permits patrons to pay for
petrol inside as well. The service station also sells a small amount of oil, drinks and
snacks. The merchant must use 5542 (Automated Fuel Dispensers) for the AFD sales,
and 5541 (Service Stations with or without Ancillary Services) for their non-AFD sales.

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Section 2: Merchant Category Code Listing

MCCs are listed in numeric order with a full definition for each MCC.
The MCCs and descriptions have been derived from Standard Industrial Classification
(SIC) Codes and the International Organization for Standardization (ISO) Codes.
Please note that Visa MCCs and SIC codes do not always correspond. In many cases,
Visa has consolidated several SIC codes into one MCC to manage the number of
MCCs. In other cases, such as for T&E and direct marketing merchants, Visa
established MCCs that do not have corresponding SIC codes.

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

0742 Veterinary Services

Merchants classified with this MCC are licensed Animal Doctors, Hospitals 5995 – Pet Shops, Pet Foods and
practitioners of veterinary medicine, dentistry, or Clinics – Pet Supplies Store
surgery. This MCC includes medical practitioners of
Hospitals – Pet
pets (e.g., dogs, cats), livestock (e.g., cattle, horses,
sheep, hogs, goats, poultry), and large or exotic Pet Clinics
animals. Services – Veterinary

0763 Agricultural Co-operatives

Merchants classified with this MCC provide farm Farm Management 0780 – Landscaping and Horticultural
management services or engage in farming Services Services
operations. Also included in this MCC are Orchards 4225 – Public Warehousing and
associations and cooperatives that provide assistance Storage – Farm Products, Refrigerated
Vineyards
and services to farmers in farm management. These Goods, Household Goods, and Storage
services include, but are not limited to: financial
assistance, management or complete maintenance of
crops, soil preparation, planting and cultivating, aerial
dusting and spraying, disease and insect control,
weed control, and harvesting crops.

0780 Landscaping and Horticultural Services

Merchants classified with this MCC provide landscape Gardening Services 5193 – Florist Supplies, Nursery
planning and design services. This MCC also Horticulture Services Stock and Flowers
includes merchants that offer a variety of lawn and 5261 – Nurseries and Lawn and
Services – Gardening
garden services (e.g., planting, fertilizing, mowing, Garden Supply Stores
mulching, seeding, spraying, sod laying). Services – Horticulture
Services – Landscaping

1520 General Contractors – Residential and Commercial

Merchants classified with this MCC are general Building Contractors – 1711 – Heating, Plumbing, and Air
contractors primarily engaged in construction of Residential, Commercial Conditioning Contractors
residential and/or commercial buildings. This MCC Construction Companies 1731 – Electrical Contractors
includes contractors that perform new construction as
Contractors – General 1740 – Masonry, Stonework, Tile
well as remodeling, repair, additions, or alterations.
Contractors – Residential, Setting, Plastering and Insulation
Commercial Contractors
1750 – Carpentry Contractors ........
1761 – Roofing, Siding, and Sheet
Metal Work Contractors
1771 –Concrete Work Contractors
1799 – Special Trade Contractors
(Not Elsewhere Classified)

1711 Heating, Plumbing, and Air Conditioning Contractors

Merchants classified with this MCC are contractors Air Conditioning 1520 – General Contractors –
that provide heating, plumbing and air conditioning Contractors Residential and Commercial
services. This MCC includes contractors that perform Contractors – Air 5074 – Plumbing and Heating
air system balancing and testing, drainage system Conditioning Equipment and Supplies
installation, furnace repair, irrigation system
Contractors – Heating 1799 – Special Trade Contractors
installation, refrigeration and freezer work, sewer
(Not Elsewhere Classified)

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

hookups and connections, solar heating, sprinkler Contractors – Plumbing

system installation and water pump installation and Heating Contractors
servicing. Plumbing Contractors

1731 Electrical Contractors

Merchants classified with this MCC are contractors Contractors – Electrical 1520 – General Contractors –
that provide electrical work such as fire alarm Residential and Commercial
installation, sound equipment installation, 1799 – Special Trade Contractors
telecommunications equipment installation, (Not Elsewhere Classified)
cable/internet installation, and telephone and
telephone equipment installation.

1740 Masonry, Stonework, Tile Setting, Plastering and Insulation Contractors

Merchants classified with this MCC are contractors Contractors – Insulation 1520 – General Contractors –
that perform masonry work, stone setting and other Contractors – Masonry Residential and Commercial
stone work, tile setting, plain and ornamental 1799 – Special Trade Contractors
Contractors – Plastering
plastering, and insulation. This MCC also includes (Not Elsewhere Classified)
contractors that perform bricklaying, ceramic and Contractors – Stonework
marble work, mosaic work, acoustical improvements, Contractors – Tile Setting
and drywall construction. Insulation Contractors
Plastering Contractors
Stonework Contractors
Tile Setting Contractors

1750 Carpentry Contractors

Merchants classified with this MCC are contractors Contractors – Carpentry 1520 – General Contractors –
that perform carpentry work. This MCC includes Residential and Commercial
contractors that do cabinet work at the construction 1799 – Special Trade Contractors
site, framing, trim and finish work and window and (Not Elsewhere Classified)
door installation.

1761 Roofing, Siding, and Sheet Metal Work Contractors

Merchants classified with this MCC are contractors Contractors – Roofing 1520 – General Contractors –
that install roofing and/or siding and do sheet metal Contractors – Sheet Residential and Commercial
work. This MCC includes contractors that perform Metal Work 1799 – Special Trade Contractors
architectural sheet metal work, ceilings and skylight (Not Elsewhere Classified)
Contractors – Siding
installation, duct and gutter installation, and roof
spraying, painting or coating. Sheet Metal Work
Contractors
Siding Contractors

1771 Concrete Work Contractors

Merchants classified with this MCC are contractors Asphalt Contractors 1520 – General Contractors –
that perform concrete, cement or asphalt work. This Cement Contractors Residential and Commercial
MCC includes contractors that construct private 1799 – Special Trade Contractors
Contractors – Concrete
driveways and walks of all materials. Also included in (Not Elsewhere Classified)
Work
this category are contractors that pour concrete for
foundations and perform grouting work and concrete
patio and sidewalk construction.

1799 Special Trade Contractors (Not Elsewhere Classified)

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

Merchants classified with this MCC are special trade Contractors – Decorating 1520 – General Contractors –
contractors that perform construction work not Contractors – Demolition Residential and Commercial
covered with a more specific MCC. This MCC Services
includes contractors that perform jobs such as awning
Contractors – Glasswork
installation, bath tub refinishing, fence construction,
fire escape installation, house moving, home window Contractors – Painting,
replacement, garage door installation, ornamental Home and Building
metal work, swimming pool construction, glasswork, Contractors – Paper
well drilling, wallpaper services, and waterproofing. Hanging
Contractors – Special
Trade Contractors
Contractors – Welding
Contractors – Well
Drilling
Decorating Contractors
Decorators – Interior
Demolition Services
Garage Door Installation
Glasswork Contractors
Interior Decorators
Window Replacement
Miscellaneous Special
Contractors
Painting Contractors –
Home, Building
Paper Hanging
Contractors
Services – Demolition
Wallpaper Hangers
Welding Contractors
Well Drilling Contractors

2741 Miscellaneous Publishing and Printing

Merchants classified with this MCC engage in Bookbinding Services 5192 – Books, Periodicals and
business-to-business or wholesale printing, publishing Printing Services Newspapers
and/or bookbinding activity. This includes merchants Publishing Services 5942 – Book Stores
that print or publish maps and atlases, business 7338 – Quick Copy, Reproduction,
Services – Bookbinding
newsletters, directories, sheet music, paper patterns, and Blueprinting Services
technical manuals and papers, telephone directories Services – Publishing,
and yearbooks. Printing

2791 Typesetting, Plate Making and Related Services

Merchants classified with this MCC perform business- Plate Making Services 2741 – Miscellaneous Publishing
to-business or wholesale typesetting for the printing Services – Plate Making and Printing
trade and those that make plates for printing Services – Typesetting 7338 – Quick Copy, Reproduction,
purposes. These merchants are involved in and Blueprinting Services
advertisement typesetting, phototypesetting,
computer-controlled typesetting, and color
separations. This MCC also includes merchants that
make positives and negatives from which offset
lithographic plates are made. These establishments

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

do not print from the plates they make, but prepare

them only for use by other merchants. This MCC also
includes merchants that provide engraving or
embossing services for printing purposes, such as
engraving on wood, rubber, copper, or steel, or
photoengraving.

2842 Specialty Cleaning, Polishing and Sanitation Preparations

Merchants classified with this MCC engage in the Cleaning Preparations 5085 – Industrial Supplies
business-to-business or wholesale manufacture of Materials – Cleaning, (Not Elsewhere Classified)
polishes for wood, metal, and other materials as well Polishing, Sanitation 5169 – Chemicals and Allied Products
as cleaning solutions, industrial and household (Not Elsewhere Classified)
Polishing Preparations
disinfectants, and other sanitation preparations. Also
included in this MCC are merchants that sell non- Sanitation Preparations
personal deodorants, waxes and dressings for
fabricated leather and other materials, wax removers,
dry cleaning fluid and chemicals, rust and stain
removers, wallpaper cleaners, and window cleaning
solutions.

Airlines and Air Carriers

MCC Merchant Name Required Name in Authorization Request/Clearing Record

3000 UNITED AIRLINES UNITED AIR

3001 AMERICAN AIRLINES AMERICAN AIR
3002 PAN AMERICAN PAN AM AIR
3003 EUROFLY AIRLINES EUROFLY AIR
3004 DRAGON AIRLINES DRAGONAIR
3005 BRITISH AIRWAYS BRITISH AWYS
3006 JAPAN AIRLINES JAL AIRLINE
3007 AIR FRANCE AIR FRANCE
3008 LUFTHANSA LUFTHANSA
3009 AIR CANADA AIR CANADA
3010 KLM (ROYAL DUTCH AIRLINES) KLM AIRLINE
3011 AEROFLOT AEROFLOT
3012 QANTAS QANTAS AIR
3013 ALITALIA ALITALIA
3014 SAUDI ARABIAN AIRLINES SAUDIA AIR
3015 SWISS INTERNATIONAL AIRLINES SWISSINTAIR
3016 SAS SAS
3017 SOUTH AFRICAN AIRWAYS SAA AIRWAYS
3018 VARIG (BRAZIL) VARIG
3020 AIR-INDIA AIR-INDIA
3021 AIR ALGERIE AIR ALGERIE
3022 PHILIPPINE AIRLINES PAL AIR
3023 MEXICANA MEXICANA

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

3024 PAKISTAN INTERNATIONAL PAKISTAN AIR

3025 AIR NEW ZEALAND AIR NZ
3026 EMIRATES AIRLINES EMIRATES
3027 UTA/INTERAIR UTA AIRLINE
3028 AIR MALTA AIR MALTA
3029 SN BRUSSELS AIRLINES SNBRSSLSAIR
3030 AEROLINEAS ARGENTINAS AERO ARGENT
3031 OLYMPIC AIRWAYS OLYMPIC AIR
3032 EL AL EL AL
3033 ANSETT AIRLINES ANSETT AIR
3034 ETIHAD AIRWAYS ETIHADAIR
3035 TAP (PORTUGAL) TAP AIR
3036 VASP (BRAZIL) VASP AIR
3037 EGYPTAIR EGYPTAIR
3038 KUWAIT AIRWAYS KUWAIT AIR
3039 AVIANCA AVIANCA
3040 GULF AIR (BAHRAIN) GULF AIR
3041 BALKAN-BULGARIAN AIRLINES BALKAN AIR
3042 FINNAIR FINNAIR
3043 AER LINGUS AER LINGUS
3044 AIR LANKA AIR LANKA
3045 NIGERIA AIRWAYS NIGERIA AIR
3046 CRUZEIRO DO SUL (BRAZIL) CRUZEIRO AIR
3047 TURKISH AIRLINES TURKISH AIRLINES
3048 ROYAL AIR MAROC AIR MAROC
3049 TUNIS AIR TUNIS AIR
3050 ICELANDAIR ICELANDAIR
3051 AUSTRIAN AIRLINES AUSTRIAN AIR
3052 LAN AIRLINES LAN AIR
3053 AVIACO (SPAIN) AVIACO AIR
3054 LADECO (CHILE) LADECO AIR
3055 LAB (BOLIVIA) LAB AIR
3056 JET AIRWAYS JET AIR
3057 VIRGIN AMERICA VIR AMER
3058 DELTA DELTA AIR
3059 DBA AIRLINES DBA AIR
3060 NORTHWEST NWA AIR
3061 CONTINENTAL CONTINENTAL
3062 HAPAG-LLOYD EXPRESS AIRLINES HLX AIR
3063 US AIRWAYS USAIRWAYS

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Merchant Data Standards Manual Section 3: Merchant Category Code Listing

MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

3064 ADRIA AIRWAYS ADRIA AIR

3065 AIRINTER AIRINTER
3066 SOUTHWEST SOUTHWESTAIR
3067 VANGUARD AIRLINES VANGUARD AIR
3068 AIR ASTANA AIR ASTANA
3069 SUN COUNTRY AIRLINES SUNCNTRYAIR
3071 AIR BRITISH COLUMBIA AIR BC
3072 CEBU PACIFIC AIRLINES CEBU PAC
3075 SINGAPORE AIRLINES SINGAPOREAIR
3076 AEROMEXICO AEROMEXICO
3077 THAI AIRWAYS THAI AIRWAYS
3078 CHINA AIRLINES CHINA AIR
3079 JETSTAR AIRWAYS JETSTAR AIR
3082 KOREAN AIRLINES KOREAN AIR
3083 AIR AFRIQUE AIR AFRIQUE
3084 EVA AIRWAYS EVA AIR
3085 MIDWEST EXPRESS AIRLINES MIDWEST EXP
3086 CARNIVAL AIRLINES CARNIVAL AIR
3087 METRO AIRLINES METRO AIR
3088 CROATIA AIRLINES CROATIA AIR
3089 TRANSAERO TRANSAERO
3090 UNI AIRWAYS CORPORATION UNIAIR
3094 ZAMBIA AIRWAYS ZAMBIA AIR
3096 AIR ZIMBABWE AIR ZIMBABWE
3097 SPANAIR SPANAIR
3098 ASIANA AIRLINES ASIANA AIR
3099 CATHAY PACIFIC CATHAYPACAIR
3100 MALAYSIAN AIRLINE SYSTEM MALAY AIR
3102 IBERIA IBERIA AIR
3103 GARUDA (INDONESIA) GARUDA AIR
3106 BRAATHENS S.A.F.E. (NORWAY) BRAATHENS
3110 WINGS AIRWAYS WINGS AIR
3111 BRITISH MIDLAND BRMIDLANDAIR
3112 WINDWARD ISLAND WINDWRDISAIR
3115 TOWER AIR TOWERAIR
3117 VIASA VIASA
3118 VALLEY AIRLINES VALLEY AIR
3125 TAN TAN AIR
3126 TALAIR TALAIR
3127 TACA INTERNATIONAL TACAINTL AIR

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Merchant Data Standards Manual Section 3: Merchant Category Code Listing

MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

3129 SURINAM AIRWAYS SURINAM AIR

3130 SUNWORLD INTERNATIONAL SUNWORLD AIR
3131 VLM AIRLINES VLM AIR
3132 FRONTIER AIRLINES FRONTIER AIR
3133 SUNBELT AIRLINES SUNBELT AIR
3135 SUDAN AIRWAYS SUDAN AIR
3136 QATAR AIRWAYS QATAR AIR
3137 SINGLETON SINGLETONAIR
3138 SIMMONS AIRLINES SIMMONS AIR
3143 SCENIC AIRLINES SCENIC AIR
3144 VIRGIN ATLANTIC VIRGINATLAIR
3145 SAN JUAN AIRLINES SAN JUAN AIR
3146 LUXAIR LUXAIR
3148 AIR LITTORAL SA AIRLITTORAL
3151 AIR ZAIRE AIR ZAIRE
3154 PRINCEVILLE PRINCVLLEAIR
3156 GO FLY LTD GOFLY
3159 PBA PBA AIRLINE
3161 ALL NIPPON AIRWAYS ANA AIR
3164 NORONTAIR NORONTAIR
3165 NEW YORK HELICOPTER NY HELI
3167 AEROCONTINENTE AEROCONTINEN
3170 MOUNT COOK MT COOK AIR
3171 CANADIAN AIRLINES INTERNATIONAL CANADIAN AIR
3172 NATIONAIR NATIONAIR
3174 JETBLUE AIRWAYS JETBLUE
3175 MIDDLE EAST AIR MIDEAST AIR
3176 METROFLIGHT AIRLINES METROFLT AIR
3177 AIRTRAN AIRWAYS AIRTRANAIR
3178 MESA AIR MESA AIR
3180 WESTJET AIRLINES WESTJETAIR
3181 MALEV MALEV AIR
3182 LOT (POLAND) LOT AIR
3183 OMAN AVIATION SERVICES OMANAIR
3184 LIAT LIAT AIRLINE
3185 LAV (VENEZUELA) LAV AIR
3186 LAP (PARAGUAY) LAP AIR
3187 LACSA (COSTA RICA) LACSA AIR
3188 VIRGIN EXPRESS VIRGINEXPAIR
3190 JUGOSLAV AIR JUGOSLAV AIR

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Merchant Data Standards Manual Section 3: Merchant Category Code Listing

MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

3191 ISLAND AIRLINES ISLAND AIR

3193 INDIAN AIRLINES INDIAN AIR
3196 HAWAIIAN AIR HAWAIIAN AIR
3197 HAVASU AIRLINES HAVASU AIR
3200 GUYANA AIRWAYS GUYANA AIR
3203 GOLDEN PACIFIC AIR GOLDPAC AIR
3204 FREEDOM AIR FREEDOM AIR
3206 CHINA EASTERN AIRLINES CHINEASTAIR
3211 NORWEGIAN AIR SHUTTLE NORWEGIANAIR
3212 DOMINICANA DOMINICA AIR
3213 BRAATHENS REGIONAL AIRLINES BRAATHENS REGIONAL AIR
3215 DAN AIR SERVICES DANAIRSERV
3216 CUMBERLAND AIRLINES CUMBERLNDAIR
3217 CSA CSA AIRLINE
3218 CROWN AIR CROWN AIR
3219 COPA COPA AIR
3220 COMPANIA FAUCETT COMP FAU AIR
TRANSPORTES AEROS MILITARES
3221 TAME AIRLINE
ECUATORIANOS
3222 COMMAND AIRWAYS COMMAND AIR
3223 COMAIR COMAIR
3226 SKYWAYS AIR SKYWAYS AIR
3228 CAYMAN AIRWAYS CAYMANAIR
SAETA – SOCIAEDAD ECUATORIANOS DE
3229 SAETA AIR
TRANSPORTES AEREOS
3231 SAHSA – SERVICIO AEREO DE HONDURAS SAHSA AIR
3233 CAPITOL AIR CAPITOL AIR
3234 CARIBBEAN AIRLINES CARIBBEANAIR
3235 BROCKWAY AIR BROCKWAY AIR
3236 AIR ARABIA AIRLINE AIR ARABIA
3238 BEMIDJI AIRLINES BEMIDJI AIR
3239 BAR HARBOR AIRLINES BARHARBORAIR
3240 BAHAMASAIR BAHAMASAIR
3241 AVIATECA (GUATEMALA) AVIATECA AIR
3242 AVENSA AVENSA AIR
3243 AUSTRIAN AIR SERVICE AUST AIRSERV
3245 EASYJET AIRLINES EASYJET AIR
3246 RYANAIR RYANAIR
3247 GOL AIRLINES GOL AIR
3248 TAM AIRLINES TAM AIR
3251 ALOHA AIRLINES ALOHA AIR

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Merchant Data Standards Manual Section 3: Merchant Category Code Listing

MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

3252 ALM ALM AIRLINE

3254 US AIR SHUTTLE USAIRSHUTL
3256 ALASKA AIRLINES ALASKA AIR
3259 AMERICAN TRANS AIR ATA AIR
3260 SPIRIT AIRLINES SPIRIT AIR
3261 AIR CHINA AIR CHINA
3262 RENO AIR, INC. RENO AIR
3263 AERO SERVICO CARABOBO ASC AIRLINE
3266 AIR SEYCHELLES AIR SEYCH
3267 AIR PANAMA AIR PANAMA
3280 AIR JAMAICA AIR JAMAICA
3282 AIR DJIBOUTI AIR DJIBOUTI
3284 AERO VIRGIN ISLANDS AERVIRGINIS
3285 AEROPERU AEROPERU
3286 AEROLINEAS NICARAGUENSIS AERONICARAG
3287 AERO COACH AVIATION AEROCOACH AV
3292 CYPRUS AIRWAYS CYPRUS AIR
3293 ECUATORIANA ECUATORIANA
3294 ETHIOPIAN AIRLINES ETHIOPIAN AIR
3295 KENYA AIRWAYS KENYA AIR
3296 AIR BERLIN AIR BERLIN
3297 TAROM ROMANIAN AIR TRANSPORT TAROM AIR
3298 AIR MAURITIUS AIRMAURITIUS
3299 WIDEROE’S FLYVESELSKAP WIDEROES
3300 AZUL AIR AZUL AIR
3301 WIZZ AIR WIZZ AIR
3302 FLYBE LTD FLYBEAIR

Car Rental Agencies

Merchant Name
MCC

3351 AFFILIATED AUTO RENTAL

3352 AMERICAN INTL RENT-A-CAR

3353 BROOKS RENT-A-CAR

3354 ACTION AUTO RENTAL

3355 SIXT CAR RENTAL

3357 HERTZ

3359 PAYLESS CAR RENTAL

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Merchant Data Standards Manual Section 3: Merchant Category Code Listing

MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

3360 SNAPPY CAR RENTAL

3361 AIRWAYS RENT-A-CAR

3362 ALTRA AUTO RENTAL

3364 AGENCY RENT-A-CAR

3366 BUDGET RENT-A-CAR

3368 HOLIDAY RENT-A-CAR

3370 RENT-A-WRECK

3374 ACCENT RENT-A-CAR

3376 AJAX RENT-A-CAR

3380 TRIANGLE RENT-A-CAR

3381 EUROP CAR

3385 TROPICAL RENT-A-CAR

3386 SHOWCASE RENTAL CARS

3387 ALAMO RENT-A-CAR

3388 MERCHANTS RENT-A-CAR

3389 AVIS RENT-A-CAR

3390 DOLLAR RENT-A-CAR

3391 EUROPE BY CAR

3393 NATIONAL CAR RENTAL

3394 KEMWELL GROUP RENT-A-CAR

3395 THRIFTY CAR RENTAL

3396 TILDEN RENT-A-CAR

3398 ECONO-CAR RENT-A-CAR

3400 AUTO HOST CAR RENTALS

3405 ENTERPRISE RENT-A-CAR

3409 GENERAL RENT-A-CAR

3412 A-1 RENT-A-CAR

3414 GODFREY NATL RENT-A-CAR

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Merchant Data Standards Manual Section 3: Merchant Category Code Listing

MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

3420 ANSA INTL RENT-A-CAR

3421 ALLSTATE RENT-A-CAR

3423 AVCAR RENT-A-CAR

3425 AUTOMATE RENT-A-CAR

3427 AVON RENT-A-CAR

3428 CAREY RENT-A-CAR

3429 INSURANCE RENT-A-CAR

3430 MAJOR RENT-A-CAR

3431 REPLACEMENT RENT-A-CAR

3432 RESERVE RENT-A-CAR

3433 UGLY DUCKLING RENT-A-CAR

3434 USA RENT-A-CAR

3435 VALUE RENT-A-CAR

3436 AUTOHANSA RENT-A-CAR

3437 CITE RENT-A-CAR

3438 INTERENT RENT-A-CAR

3439 MILLEVILLE RENT-A-CAR

3441 ADVANTAGE RENT-A-CAR

Lodging – Hotels, Motels, Resorts

MCC Merchant Name

3501 HOLIDAY INNS

3502 BEST WESTERN HOTELS

3503 SHERATON

3504 HILTON HOTELS

3505 FORTE HOTELS

3506 GOLDEN TULIP HOTELS

3507 FRIENDSHIP INNS

3508 QUALITY INNS

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Merchant Data Standards Manual Section 3: Merchant Category Code Listing

MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

3509 MARRIOTT

3510 DAYS INNS

3511 ARABELLA HOTELS

3512 INTER-CONTINENTAL HOTELS

3513 WESTIN

3514 AMERISUITES

3515 RODEWAY INNS

3516 LA QUINTA INN AND SUITES

3517 AMERICANA HOTELS

3518 SOL HOTELS

3519 PULLMAN INTERNATIONAL HOTELS

3520 MERIDIEN HOTELS

3521 ROYAL LAHAINA RESORTS

3522 TOKYO HOTEL

3523 PENINSULA HOTEL

3524 WELCOMGROUP HOTELS

3525 DUNFEY HOTELS

3526 PRINCE HOTELS

3527 DOWNTOWNER-PASSPORT HOTEL

3528 RED LION INNS

3529 CP HOTELS

3530 RENAISSANCE HOTELS

3531 KAUAI COCONUT BEACH RESORT

3532 ROYAL KONA RESORT

3533 HOTEL IBIS

3534 SOUTHERN PACIFIC HOTELS

3535 HILTON INTERNATIONALS

3536 AMFAC HOTELS

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Merchant Data Standards Manual Section 3: Merchant Category Code Listing

MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

3537 ANA HOTEL

3538 CONCORDE HOTELS

3539 SUMMERFIELD SUITES HOTELS

3540 IBEROTEL HOTELS

3541 HOTEL OKURA

3542 ROYAL HOTELS

3543 FOUR SEASONS HOTELS

3544 CIGA HOTELS

3545 SHANGRI-LA INTERNATIONAL

3546 HOTEL SIERRA

3548 HOTELES MELIA

3549 AUBERGE DES GOVERNEURS

3550 REGAL 8 INNS

3551 MIRAGE HOTEL AND CASINO

3552 COAST HOTELS

3553 PARK INNS INTERNATIONAL

3554 PINEHURST RESORT

3555 TREASURE ISLAND HOTEL AND CASINO

3556 BARTON CREEK RESORT

3557 MANHATTAN EAST SUITE HOTELS

3558 JOLLY HOTELS

3559 CANDLEWOOD SUITES

3560 ALADDIN RESORT AND CASINO

3561 GOLDEN NUGGET

3562 COMFORT INNS

3563 JOURNEY’S END MOTELS

3564 SAM’S TOWN HOTEL AND CASINO

3565 RELAX INNS

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Merchant Data Standards Manual Section 3: Merchant Category Code Listing

MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

3566 GARDEN PLACE HOTEL

3567 SOHO GRAND HOTEL

3568 LADBROKE HOTELS

3569 TRIBECA GRAND HOTEL

3570 FORUM HOTELS

3571 GRAND WAILEA RESORT

3572 MIYAKO HOTELS

3573 SANDMAN HOTELS

3574 VENTURE INNS

3575 VAGABOND HOTELS

3576 LA QUINTA RESORT

3577 MANDARIN ORIENTAL HOTEL

3578 FRANKENMUTH BAVARIAN

3579 HOTEL MERCURE

3580 HOTEL DEL CORONADO

3581 DELTA HOTEL

3582 CALIFORNIA HOTEL AND CASINO

3583 RADISSON BLU

3584 PRINCESS HOTELS INTERNATIONAL

3585 HUNGAR HOTELS

3586 SOKOS HOTELS

3587 DORAL HOTELS

3588 HELMSLEY HOTELS

3589 DORAL GOLF RESORT

3590 FAIRMONT HOTELS

3591 SONESTA HOTELS

3592 OMNI HOTELS

3593 CUNARD HOTELS

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Merchant Data Standards Manual Section 3: Merchant Category Code Listing

MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

3594 ARIZONA BILTMORE

3595 HOSPITALITY INNS

3596 WYNN LAS VEGAS

3597 RIVERSIDE RESORT HOTEL AND CASINO

3598 REGENT INTERNATIONAL HOTELS

3599 PANNONIA HOTELS

3600 SADDLEBROOK RESORT TAMPA

3601 TRADEWINDS RESORTS

3602 HUDSON HOTEL

3603 NOAH’S HOTELS

3604 HILTON GARDEN INN

3607 FONTAINEBLEAU RESORTS

3608 GAYLORD OPRYLAND

3609 GAYLORD PALMS

3612 MOEVENPICK HOTELS

3613 MICROTEL INNS & SUITES

3614 AMERICINN

3615 TRAVELODGE

3617 AMERICA’S BEST VALUE INN

3618 GREAT WOLF

3619 ALOFT

3620 BINION’S HORSESHOE CLUB

3621 EXTENDED STAY

3622 MERLIN HOTELS

3623 DORINT HOTELS

3624 LADY LUCK HOTEL AND CASINO

3625 HOTEL UNIVERSALE

3626 STUDIO PLUS

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Merchant Data Standards Manual Section 3: Merchant Category Code Listing

MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

3627 EXTENDED STAY AMERICA

3628 EXCALIBUR HOTEL AND CASINO

3629 DAN HOTELS

3631 SLEEP INN

3632 THE PHOENICIAN

3633 RANK HOTELS

3634 SWISSOTEL

3635 RESO HOTELS

3636 SAROVA HOTELS

3637 RAMADA INNS

3638 HOWARD JOHNSON

3639 MOUNT CHARLOTTE THISTLE

3640 HYATT HOTELS

3641 SOFITEL HOTELS

3642 NOVOTEL HOTELS

3643 STEIGENBERGER HOTELS

3644 ECONO LODGES

3645 QUEENS MOAT HOUSES

3646 SWALLOW HOTELS

3647 HUSA HOTELS

3648 DE VERE HOTELS

3649 RADISSON HOTELS

3650 RED ROOF INNS

3651 IMPERIAL LONDON HOTEL

3652 EMBASSY HOTELS

3653 PENTA HOTELS

3654 LOEWS HOTELS

3655 SCANDIC HOTELS

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Merchant Data Standards Manual Section 3: Merchant Category Code Listing

MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

3656 SARA HOTELS

3657 OBEROI HOTELS

3658 NEW OTANI HOTELS

3659 TAJ HOTELS INTERNATIONAL

3660 KNIGHTS INNS

3661 METROPOLE HOTELS

3662 CIRCUS CIRCUS HOTEL AND CASINO

3663 HOTELES EL PRESIDENTE

3664 FLAG INN

3665 HAMPTON INNS

3666 STAKIS HOTELS

3667 LUXOR HOTEL AND CASINO

3668 MARITIM HOTELS

3669 ELDORADO HOTEL AND CASINO

3670 ARCADE HOTELS

3671 ARCTIA HOTELS

3672 CAMPANILE HOTELS

3673 IBUSZ HOTELS

3674 RANTASIPI HOTELS

3675 INTERHOTEL CEDOK

3676 MONTE CARLO HOTEL AND CASINO

3677 CLIMAT DE FRANCE HOTELS

3678 CUMULUS HOTELS

3679 SILVER LEGACY HOTEL AND CASINO

3680 HOTEIS OTHAN

3681 ADAMS MARK HOTELS

3682 SAHARA HOTEL AND CASINO

3683 BRADBURY SUITES

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Merchant Data Standards Manual Section 3: Merchant Category Code Listing

MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

3684 BUDGET HOST INNS

3685 BUDGETEL INNS

3686 SUSSE CHALET

3687 CLARION HOTELS

3688 COMPRI HOTELS

3689 CONSORT HOTELS

3690 COURTYARD BY MARRIOTT

3691 DILLON INNS

3692 DOUBLETREE HOTELS

3693 DRURY INNS

3694 ECONOMY INNS OF AMERICA

3695 EMBASSY SUITES

3696 EXEL INNS

3697 FAIRFIELD HOTELS

3698 HARLEY HOTELS

3699 MIDWAY MOTOR LODGE

3700 MOTEL 6

3701 LA MANSION DEL RIO

3702 THE REGISTRY HOTELS

3703 RESIDENCE INNS

3704 ROYCE HOTELS

3705 SANDMAN INNS

3706 SHILO INNS

3707 SHONEY’S INNS

3708 VIRGIN RIVER HOTEL AND CASINO

3709 SUPER 8 MOTELS

3710 THE RITZ-CARLTON

3711 FLAG INNS (AUSTRALIA)

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Merchant Data Standards Manual Section 3: Merchant Category Code Listing

MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

3712 BUFFALO BILL’S HOTEL AND CASINO

3713 QUALITY PACIFIC HOTEL

3714 FOUR SEASONS HOTEL (AUSTRALIA)

3715 FAIRFIELD INN

3716 CARLTON HOTELS

3717 CITY LODGE HOTELS

3718 KAROS HOTELS

3719 PROTEA HOTELS

3720 SOUTHERN SUN HOTELS

3721 HILTON CONRAD

3722 WYNDHAM

3723 RICA HOTELS

3724 INTER NOR HOTELS

3725 SEA PINES RESORT

3726 RIO SUITES

3727 BROADMOOR HOTEL

3728 BALLY’S HOTEL AND CASINO

3729 JOHN ASCUAGA’S NUGGET

3730 MGM GRAND HOTEL

3731 HARRAH’S HOTELS AND CASINOS

3732 OPRYLAND HOTEL

3734 HARVEY/BRISTOL HOTELS

3735 MASTERS ECONOMY INNS

3736 COLORADO BELLE/EDGEWATER RESORT

3737 RIVIERA HOTEL AND CASINO

3738 TROPICANA RESORT & CASINO

3739 WOODSIDE HOTELS & RESORTS

3740 TOWNEPLACE SUITES

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Merchant Data Standards Manual Section 3: Merchant Category Code Listing

MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

3741 MILLENNIUM HOTELS

3742 CLUB MED

3743 BILTMORE HOTEL & SUITES

3744 CAREFREE RESORTS

3745 ST. REGIS HOTEL

3746 THE ELIOT HOTEL

3747 CLUBCORP/CLUBRESORTS

3748 WELLESLEY INNS

3749 THE BEVERLY HILLS HOTEL

3750 CROWNE PLAZA HOTELS

3751 HOMEWOOD SUITES

3752 PEABODY HOTELS

3753 GREENBRIAR RESORTS

3754 AMELIA ISLAND PLANTATION

3755 THE HOMESTEAD

3757 CANYON RANCH

3758 KAHALA MANDARIN ORIENTAL HOTEL

3759 THE ORCHID AT MAUNA LANI

3760 HALEKULANI HOTEL/WAIKIKI PARC

3761 PRIMADONNA HOTEL AND CASINO

3762 WHISKEY PETE’S HOTEL AND CASINO

3763 CHATEAU ELAN WINERY AND RESORT

3764 BEAU RIVAGE HOTEL AND CASINO

3765 BELLAGIO

3766 FREMONT HOTEL AND CASINO

3767 MAIN STREET STATION HOTEL AND CASINO

3768 SILVER STAR HOTEL AND CASINO

3769 STRATOSPHERE HOTEL AND CASINO

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Merchant Data Standards Manual Section 3: Merchant Category Code Listing

MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

3770 SPRINGHILL SUITES

3771 CAESAR’S HOTEL AND CASINO

3772 NEMACOLIN WOODLANDS

3773 THE VENETIAN RESORT HOTEL CASINO

3774 NEW YORK-NEW YORK HOTEL AND CASINO

3775 SANDS RESORT

3776 NEVELE GRAND RESORT AND COUNTRY CLUB

3777 MANDALAY BAY RESORT

3778 FOUR POINTS HOTELS

3779 W HOTELS

3780 DISNEY RESORTS

3781 PATRICIA GRAND RESORT HOTELS

3782 ROSEN HOTELS AND RESORTS

3783 TOWN AND COUNTRY RESORT & CONVENTION CENTER

3784 FIRST HOSPITALITY HOTELS

3785 OUTRIGGER HOTELS AND RESORTS

3786 OHANA HOTELS OF HAWAII

3787 CARIBE ROYALE RESORTS

3788 ALA MOANA HOTEL

3789 SMUGGLER’S NOTCH RESORT

3790 RAFFLES HOTELS

3791 STAYBRIDGE SUITES

3792 CLARIDGE CASINO HOTEL

3793 FLAMINGO HOTELS

3794 GRAND CASINO HOTELS

3795 PARIS LAS VEGAS HOTEL

3796 PEPPERMILL HOTEL CASINO

3797 ATLANTIC CITY HILTON RESORTS

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Merchant Data Standards Manual Section 3: Merchant Category Code Listing

MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

3798 EMBASSY VACATION RESORT

3799 HALE KOA HOTEL

3800 HOMESTEAD SUITES

3801 WILDERNESS HOTEL AND RESORT

3802 THE PALACE HOTEL

3807 ELEMENT

3808 LXR

3811 PREMIER INN

3812 HYATT PLACE

3813 HOTEL INDIGO

3814 THE ROOSEVELT HOTEL NY

3815 NICKELODEON FAMILY SUITES BY HOLIDAY INN

3816 HOME2SUITES

3818 MAINSTAY SUITES

3819 OXFORD SUITES

3820 JUMEIRAH ESSEX HOUSE

3821 CARIBE ROYALE

3822 CROSSLAND

3823 GRAND SIERRA RESORT

3824 ARIA

3825 VDARA

3826 AUTOGRAPH

3827 GALT HOUSE

3828 COSMOPOLITAN OF LAS VEGAS

3829 COUNTRY INN BY CARLSON

3830 PARK PLAZA HOTEL

3831 WALDORF

3832 CURIO HOTELS

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Merchant Data Standards Manual Section 3: Merchant Category Code Listing

MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

3833 CANOPY

3834 BAYMONT INN & SUITES

3835 DOLCE HOTELS AND RESORTS

3836 HAWTHORN BY WYNDHAM

3837 HOSHINO RESORTS

3838 KIMPTON HOTELS

4011 Railroads

Merchants classified with this MCC are railroads Freight – Rail, Train 4112 – Passenger Railways
engaged in freight transport operations. Transportation 4214 – Motor Freight Carriers and
Trains – Freight Trucking – Local and Long Distance,
Transportation Moving and Storage Companies, and
Transportation – Railroads, Local Delivery Services
Freight

4111 Local and Suburban Commuter Passenger Transportation, Including Ferries

Merchants classified with this MCC provide local and Commuter Transportation – 4112 – Passenger Railways
suburban mass passenger transportation over regular Ferries 4121 – Taxicabs and Limousines
routes and on regular schedules. Included in this Commuter Transportation – 4131 – Bus Lines
category is railway commuter transportation. Not Railways
included in this category are taxicabs, limousines, and 4789 – Transportation Services (Not
Ferries Elsewhere Classified)
bus lines.
Transportation – Commuter,
Local, Suburban Commuter
Passenger Transportation
Transportation – Commuter,
Railways
Transportation – Ferries

4112 Passenger Railways

Merchants classified with this MCC are railroads that Railways – Passenger 4011 – Railroads
primarily provide long distance passenger Trains – Passenger 4789 – Transportation Services (Not
transportation. This may or may not include overnight Elsewhere Classified)
Transportation –
accommodations on the train during long distance
Passenger Railways
travel.

4119 Ambulance Services

Merchants classified with this MCC provide Air Ambulance Services 8099 – Medical Services and Health
emergency vehicle transportation with trained Emergency Vehicle Practitioners (Not Elsewhere
personnel. These merchants may or may not provide Services Classified)
emergency medical treatment en route to a hospital or 4789 – Transportation Services (Not
Services – Air Ambulance
medical provider. Elsewhere Classified)
Services – Ambulance
Services – Emergency
Vehicles
Transportation –
Ambulance Services

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

4121 Taxicabs and Limousines

Merchants classified with this MCC provide Cabs, Taxicabs, Limousines 4789 – Transportation Services (Not
transportation services by automobile and do not Limousines Elsewhere Classified)
operate on a regular schedule or established route. 4111 – Local and Suburban
Services – Taxicabs,
This MCC includes ride-share merchants. Commuter Passenger Transport
Limousines
Transportation –
Taxicabs, Limousines

4131 Bus Lines

Merchants classified with this MCC provide Coach Lines 4722 – Travel Agencies and Tour
passenger bus transportation services on a regular Transportation – Operators
schedule over predetermined routes. Not included are Bus Lines 4789 – Transportation Services
charter and tour bus operators. (Not Elsewhere Classified)

4214 Motor Freight Carriers and Trucking – Local and Long Distance, Moving and Storage Companies, and Local Delivery
Services

Merchants classified with this MCC provide local or Delivery Services – Local 4215 – Courier Services – Air and
long distance trucking services, and may or may not Freight Carriers, Ground, and Freight Forwarders.
also provide storage services. Trucking and Storage 4225 – Public Warehousing and
Local Delivery Service Storage – Farm Products,
Long Distance Trucking Refrigerated Goods, Household
Services Goods, and Storage
Motor Freight Carriers –
Local, Long Distance
Trucking
Moving Companies
Moving, Storage
Companies
Services – Delivery, Local
Services – Freight
Carriers, Trucking and
Storage
Services – Trucking, Local
and Long Distance
Storage, Moving
Companies – Local, Long
Distance
Trucking – Local, Long
Distance

4215 Courier Services – Air and Ground, and Freight Forwarders

Merchants classified with this MCC deliver individually Air or Ground Courier 4214 – Motor Freight Carriers and
addressed letters, parcels, and packages, but Services Trucking – Local and Long
excludes the Postal Services – Government Only Freight Forwarders, Distance, Moving and Storage
(MCC 9402). Courier Services Companies, and Local Delivery
Ground or Air Courier Services
Services 9402 – Postal Services –
Services – Courier, Air or Government Only
Ground
Services – Freight
Forwarders, Courier

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

Services

4225 Public Warehousing and Storage – Farm Products, Refrigerated Goods, Household Goods, and Storage

Merchants classified with this MCC provide storage Warehousing, Storage 4214 – Motor Freight Carriers and
and warehousing for farm products, refrigerated Storage – Public Trucking – Local and Long Distance,
storage for perishable products, and storage for Warehousing Moving and Storage Companies,
household goods and furniture. and Local Delivery Services

4411 Steamship and Cruise Lines

Merchants classified with this MCC provide Ships – Cruise Lines 4111 – Local and Suburban
passenger transportation on the open seas or inland Commuter Passenger
waters for the purpose of vacation or pleasure. These Transportation, Including Ferries
merchants typically offer food, entertainment, and 4789 – Transportation Services (Not
cabin accommodations included in the fare and Elsewhere Classified)
operate pre-defined and advertised routes.

4457 Boat Rentals and Leasing

Merchants classified with this MCC primarily provide Jet Skis – Rental, Leases 4468 – Marinas, Marine Service, and
boat rental and leasing services for fishing boats, non- Powerboats – Rental, Supplies
crew houseboats, sail boats, power boats, jet skis, Leases 7999 – Recreation Services (Not
and yachts. Elsewhere Classified)
Rentals – Boats
Rentals – Jet Skis
Rentals – Yachts,
Non-Crew
Sailboats – Rentals, Leases
Yacht Rentals – Non-Crew

4468 Marinas, Marine Service, and Supplies

Merchants classified with this MCC operate marinas Harbors 4457 – Boat Rentals and Leasing
and may rent boat slips and store boats. Other Services – Marine, Marina 7999 – Recreation Services (Not
services may include boat cleaning, incidental boat Elsewhere Classified)
Supplies – Marinas, Marine
repair, and the retail sale of marine supplies.
Service, Supplies
Merchants located at a marina that sell fuel for
consumer use in boats that do not have a separate Yacht Harbors
merchant agreement from the marina are included in
this category.

4511 Airlines and Air Carriers (Not Elsewhere Classified)

Merchants classified with this MCC are airlines and 3000-3350 – individual airline MCCs
air carriers that do not have their own specific MCC.

4582 Airports, Flying Fields, and Airport Terminals

Merchants classified with this MCC operate and Flying Fields 4215 – Courier Services – Air and
maintain airports and flying fields. This includes Terminals – Airports Ground, and Freight Forwarders
merchants that provide aircraft cleaning and janitorial 4511 – Airlines and Air Carriers (Not
services, aircraft servicing and repair, aircraft storage Elsewhere Classified)
at airports, and airport hangar rental. Merchants
5812 – Eating Places and
located within the airport terminal that sell food,
Restaurants
newspapers, and/or gift or souvenir items must be
classified with the appropriate MCC for that business. 5994 – News Dealers and
Newsstands

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

5947 – Gift, Card, Novelty, and

Souvenir Shops

4722 Travel Agencies and Tour Operators

Merchants classified with this MCC provide travel Charter Buses 4112 – Passenger Railways
information and booking services. They act as agents Package Tour Operators 4121 – Taxicabs and Limousines ...
on behalf of travelers in booking and ticketing air,
Tour Buses 4131 – Bus Lines
land, or sea transportation and/or accommodation.
They also arrange and assemble tours for sale through Tour Operators 4411 -- Steamship and Cruise Lines
a travel agent or directly to the consumer. Bus charters Travel Packages 4511 – Airlines and Air Carriers (Not
and tour bus operators are included in this MCC. Travel Wholesalers Elsewhere Classified)
4789 – Transportation Services (Not
Elsewhere Classified)
5962 – Direct Marketing – Travel-
Related Arrangement Services
7011 – Lodging – Hotels, Motels,
Resorts, Central Reservation
Services (Not Elsewhere Classified)
7512 – Automobile Rental Agency

4723 Package Tour Operators – Germany Only

Merchants classified with this MCC are package tour operators in Germany.

4784 Tolls and Bridge Fees

Merchants classified with this MCC collect fees Bridge, Toll Fees
associated with toll roads, highways, and bridges. Fees – Bridge, Toll

4789 Transportation Services (Not Elsewhere Classified)

Merchants classified with this MCC provide Airport Shuttle 4111 – Local and Suburban
passenger transportation services that are not Transportation Commuter Passenger
classified with a more specific MCC. This MCC Miscellaneous Transport Transportation, Including Ferries
includes merchants that provide transportation via Services 4112 – Passenger Railways
horse-drawn cabs and carriages, bicycle-taxis, aerial Services – Transportation 4121 – Taxicabs and Limousines ...
tramways, airport shuttles, and cable cars. Ferry
Shuttle Transportation 4131 – Bus Lines
service, bus transportation, cruise lines, passenger
railways, and taxi and limousine service merchants 4411 – Steamship and Cruise Lines
are not included in this category. 4722 – Travel Agencies and Tour
Operators

4812 Telecommunication Equipment and Telephone Sales

Merchants classified with this MCC sell Cellular Telephone 4814 – Telecommunication Services,
telecommunications equipment such as telephones, Equipment including Local and Long Distance
fax machines, pagers, mobile phones, and other Equipment – Calls, Credit Card Calls, Calls
equipment related to telecommunications. Telecommunications Through Use of Magnetic Stripe
Pagers, Paging Equipment Reading Telephones, and Fax
Services
Telephone Equipment
5732 – Electronics Stores

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

4814 Telecommunication Services, including Local and Long Distance Calls, Credit Card Calls, Calls Through Use of Magnetic-
Stripe-Reading Telephones, and Fax Services

Merchants classified with this MCC provide Cellular Telephone Service 4812 – Telecommunication
telecommunications services including local and long- Faxing Services Equipment and Telephone Sales
distance telephone calls, calls placed through the use
Local Telecommunication
of magnetic stripe-reading telephones, and fax
Service
services. Merchants that provide periodic (e.g.,
monthly) billing of telephone calls should be classified Long Distance
with this MCC. Telecommunication
Service
Prepaid Calling Cards –
Telecommunication
Service

4816 Computer Network/Information Services

Merchants classified with this MCC provide internet Electronic Bulletin Board 5967 – Direct Marketing – Inbound
access. This MCC includes all merchants that provide Access Teleservices Merchant
computer network and information services and Information Services – 7372– Computer Programming, Data
internet service providers. via Computer Networks Processing, and Integrated
Internet Payment Systems Design Services
Facilitators
Website Management/
Maintenance

4821 Telegraph Services

Merchants classified with this MCC that provide Cablegrams 4814 – Telecommunication Services,
telegraph and other nonverbal message Services – Cablegrams including Local and Long
communications services such as telegrams. Distance Calls, Credit Card
Services – Telegraph
Calls, Calls Through Use of
Magnetic Stripe Reading
Telephones, and Fax
Services

4829 Money Transfer

Merchants classified with this MCC allow customers Wire Transfer 4821– Telegraph Services
to transfer funds via an electronic funds transfer / wire 6051 – Non-Financial Institutions –
transfer / remittance to a named entity (both card- Foreign Currency, Non-Fiat
present and card-absent locations including on the Currency (for example:
premises of the merchant and third-party agents such Cryptocurrency), Money Orders (Not
as casinos, truck stops, or check-cashing storefronts) Money Transfer), Account Funding
or via an original credit transaction (e.g., via Visa (not Stored Value Load), Travelers
Direct or Person to Person [P2P] payments). Cheques, and Debt Repayment

4899 Cable, Satellite and Other Pay Television/Radio/Streaming Services

Merchants classified with this MCC provide the Pay Radio Services
connection and ongoing delivery of Pay Television Services
television/radio/streaming content on a subscription or Cable
fee basis.
Satellite Services
Services – Cable and
Other Pay Television
Services

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

Services – Pay Radio

and Satellite Services

4900 Utilities – Electric, Gas, Water, and Sanitary

Merchants classified with this MCC provide the Electric Utilities 4814 – Telecommunication Services,
ongoing generation, transmission, and/or distribution Garbage Collectors including Local and Long
of electric or gas power or other utility services. This Distance Calls, Credit Card
Gas Utilities
MCC also includes merchants that provide water Calls, Calls Through Use of
supply system services and merchants primarily Public Utilities
Magnetic Stripe Reading
engaged in the collection and disposal of refuse. Sanitary Utilities Telephones, and Fax
Services – Electric Utilities Services
Services – Gas Utilities
Services – Sanitary
Utilities
Services – Waste
Management
Services – Water Utilities
Water Utilities

5013 Motor Vehicle Supplies and New Parts

Merchants classified with this MCC are business-to- Automobile – Motor 5532 – Automotive Tire Stores
business or wholesale distributors of motor vehicle Vehicle Supplies, New 5533 – Automotive Parts and
accessories, tools, equipment and new parts, Parts Accessories Stores
including testing equipment, service station pumps Parts – Motor Vehicle 7531 – Automotive Body Repair
and other equipment, glass, batteries, and engines. Supplies, New Parts Shops
Supplies – Motor Vehicle 7538 – Automotive Service Shops
Supplies, New Parts (Non-Dealer)
Vehicle Supplies, New
Parts

5021 Office and Commercial Furniture ...

Merchants classified with this MCC are business-to- Commercial Furniture 5047 – Medical, Dental, Ophthalmic
business or wholesale manufacturers and/or Furniture – Office, and Hospital Equipment and
distributors of office and commercial furniture. Commercial Supplies
5712 – Furniture, Home Furnishings
and Equipment Stores, Except
Appliances

5039 Construction Materials (Not Elsewhere Classified )

Merchants classified with this MCC are business-to- Materials – Construction 1761 – Roofing, Siding, and Sheet
business or wholesale distributors of construction Supplies – Construction Metal Work Contractors
materials and parts that are not classified with a more Materials 5072 – Hardware, Equipment and
specific MCC. Supplies
5198 – Paint, Varnishes and
Supplies
5200 – Home Supply Warehouse
Stores
5211 – Lumber and Building
Materials Stores
5231 – Glass, Paint, and Wallpaper

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

Stores
5251 – Hardware Stores
5713 – Floor Covering Stores .........
7692 – Welding Services

5044 Photographic, Photocopy, Microfilm Equipment and Supplies

Merchants classified with this MCC are business-to- Copy Services – 5021 – Office and Commercial
business or wholesale distributors of office and Photographic, Photo -copy, Furniture
photographic equipment such as film, cash registers, Microfilm Supplies 5045 – Computers and Computer
photocopy machines, microfilm machines, vaults and Equipment – Photographic, Peripheral Equipment and Software
safes, typewriters, fax machines, adding machines, Photocopy, Microfilm 5943 – Stationery Stores, Office and
and mailing machines. Equipment, Supplies School Supply Stores
Microfilm Supplies 5946 – Camera and Photographic
Photocopy Supplies Supply Stores
Supplies – Photographic, 7338 – Quick Copy, Reproduction,
Photocopy, Microfilm and Blueprinting Services
Equipment, Supplies 7395 – Photofinishing Laboratories
and Photo Developing

5045 Computers and Computer Peripheral Equipment and Software

Merchants classified with this MCC are business-to- Equipment – Computers, 5021 – Office and Commercial
business or wholesale distributors of computer Computer Peripheral Furniture
hardware, software and related equipment. Equipment, Software 5732 – Electronics Stores
Hardware – Computer 5734 – Computer Software Stores
Software – Computer 7379 – Computer Maintenance,
Supplies – Computers, Repair and Services
Computer Peripheral (Not Elsewhere Classified)
Equipment, Software

5046 Commercial Equipment (Not Elsewhere Classified)

Merchants classified with this MCC are business-to- Appliance Wholesaler 5021 – Office and Commercial
business or wholesale distributors of commercial Commercial Cooking, Furniture
machines and equipment that are not classified with a Food Service Equipment 5712 – Furniture, Home Furnishings
more specific MCC. Equipment – Commercial and Equipment Stores,
Food Service Equipment – Except Appliances
Commercial Cooking 7394 – Equipment, Tool, Furniture,
Equipment and Appliance Rental and
Restaurant Equipment – Leasing
Commercial Cooking,
Food Service Equipment
Supplies – Commercial
Equipment

5047 Medical, Dental, Ophthalmic and Hospital Equipment and Supplies

Merchants classified with this MCC are business-to- Dental Equipment, Supplies 2842 – Specialty Cleaning, Polishing
business or wholesale distributors of laboratory, Equipment – Medical, and Sanitation Preparations
surgical, dental, or orthopedic equipment, patient Dental, Ophthalmic, 5021 – Office and Commercial
monitoring equipment, wheel chairs, and other medical Orthopedic, Hospital Furniture
instruments, industrial safety devices, hospital

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

equipment and hospital furniture, such as beds. Equipment, Supplies

Hospital Equipment,
Supplies
Orthodontia Supplies
Safety Equipment
Supplies – Dental
Supplies – Hospital
Supplies – Medical
Supplies – Orthopedic
X-Ray Equipment

5051 Metal Service Centers and Offices

Merchants classified with this MCC are business-to- 5094 – Precious Stones and Metals,
business or wholesale marketers of semi-finished Watches and Jewelry
metal products, excluding precious metals. These 5944 – Jewelry Stores, Watches,
merchants may sell metal piping and tubing, wire Clocks and Silverware Stores
screening and bale ties, nails, ingots, aluminum bars,
rails and accessories, metal or galvanized sheets,
strip metal, iron rods, and wire rope or cable.

5065 Electrical Parts and Equipment

Merchants classified with this MCC are business-to- Communications 4812 – Telecommunications
business or wholesale distributors of electrical parts Equipment Equipment and Telephone Sales
and communications equipment, such as electronic Equipment – Electrical 5732 – Electronics Stores
coils, capacitors, electronic condensers, diodes, Parts, Equipment
semiconductor devices, public address equipment, Parts – Electrical,
and electric signs. Equipment
Supplies – Electrical Parts,
Equipment

5072 Hardware, Equipment and Supplies

Merchants classified with this MCC are business-to- Equipment – Hardware, 5251 – Hardware Stores
business or wholesale distributors of general Equipment, Supplies
hardware and cutlery such as bolts, nuts, rivets, Hand Tools
screws, fasteners, hand tools, locks, washers, tacks, Supplies Hardware,
staples, nails, hand saws, saw blades, and power Equipment, Supplies
hand tools.

5074 Plumbing and Heating Equipment and Supplies

Merchants classified with this MCC are business-to- Equipment – Heating 5046 – Commercial Equipment
business or wholesale distributors of hydraulic Equipment, Supplies (Not Elsewhere Classified)
plumbing and heating equipment and supplies. This Equipment – Plumbing 5072 – Hardware, Equipment and
MCC does not include wholesalers of commercial Equipment, Supplies Supplies
refrigeration equipment or supplies or appliances such Equipment – Water 5251 – Hardware Stores
as electric or gas ranges and commercial ovens. Conditioning,
5722 – Household Appliance
Purification, Softening
Stores
Heating Equipment,
7299 – Services – Water Filtration,
Supplies
Purification, Softening
Supplies – Heating

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

Equipment, Supplies
Supplies – Plumbing
Equipment, Supplies

5085 Industrial Supplies (Not Elsewhere Classified)

Merchants classified with this MCC are business-to- Supplies – Industrial 5072 – Hardware Equipment and
business or wholesale distributors of industrial Supplies
supplies that are not classified with a more specific 5189 – Chemicals and Allied
MCC. Products
(Not Elsewhere Classified)
5251 – Hardware Stores

5094 Precious Stones and Metals, Watches and Jewelry

Merchants classified with this MCC are business-to- Gemstones, Precious 5944 – Jewelry, Watches, Clocks
business or wholesale distributors of jewelry, precious Stones, Metals, and Silverware Stores
stones and metals. This MCC also includes Watches, Jewelry 7699 – Miscellaneous Repair Shops
wholesalers of costume jewelry, watches and watch Jewelry – Fine Watches and Related Services
parts, clocks, silverware, diamonds and gem stones,
precious metals, pearls, and trophies.

5099 Durable Goods (Not Elsewhere Classified)

Merchants classified with this MCC are business-to- Fire Extinguishers 5065 – Electrical Parts and
business or wholesale distributors of durable goods Firearms, Ammunition Equipment
that are not classified with a more specific MCC.
Gas Lighting Fixtures
Goods – Durable
Grave Stones
Luggage (Business to
Business)
Monuments
Musical Instruments
Rough Timber Products
Signs

5111 Stationery, Office Supplies, Printing and Writing Paper

Merchants classified with this MCC are business-to- Business Supplies – 5021 – Office and Commercial
business or wholesale distributors of stationery and Stationery, Office, Printing, Furniture
office supplies and printing and writing paper. Writing Supplies 5044 – Photographic, Photocopy,
Office Supplies Microfilm Equipment
Paper – Writing, Printing, and Supplies
Stationery, Office Supplies 5943 – Stationery Stores, Office
Printing Supplies and School Supply Stores
Supplies – Stationery, 5978 – Typewriter Stores – Sales,
Office Supplies, Printing, Rentals, and Service
and Writing Paper

5122 Drugs, Drug Proprietaries, and Druggist Sundries

Merchants classified with this MCC are business-to- Cosmetic Distributors 5047 – Medical, Dental, Ophthalmic

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

business or wholesale distributors of prescription Distributors – Drugs, and Hospital Equipment and
drugs, proprietary drugs, vitamins, druggists’ sundries Druggists’ Sundries, Supplies
and toiletries, antiseptics, bandages, Toiletries 5912 – Drug Stores and Pharmacies
pharmaceuticals, and biological or related products. Druggist Supplies
Perfume Distributors
Pharmaceuticals
Supplies – Drugs, Drug
Proprietaries, Druggist
Sundries, Vitamins

5131 Piece Goods, Notions, and Other Dry Goods

Merchants classified with this MCC are business-to- Fabric Goods 5719 – Miscellaneous Home
business or wholesale distributors of piece goods, dry Hair Accessories Furnishing Specialty Stores
goods, and notions/haberdashery. 5949 – Sewing, Needlework, Fabric
Notions
Sewing Accessories and Piece Goods Stores
Supplies – Millinery
Textiles, Textile Binding

5137 Men’s, Women’s, and Children’s Uniforms and Commercial Clothing

Merchants classified with this MCC are business-to- Children’s Uniforms 5139 – Commercial Footwear ........
business or wholesale distributors of commercial work Commercial Clothing – 5611 – Men’s and Boys’ Clothing and
clothing and uniforms. This MCC includes wholesale Men’s, Women’s, Accessories Stores
distributors of graduation caps and gowns, athletic and Children’s 5621 – Women’s Ready-To-Wear
recreational uniforms, and school uniforms, but not Stores
Men’s Uniforms
shoes.
Professional Uniforms 5631 – Women’s Accessory and
Uniforms – Men’s, Specialty Shops
Women’s, Children’s 5641 – Children’s and Infants’ Wear
Women’s Uniforms Stores
5651 – Family Clothing Stores........
5655 – Sports and Riding Apparel
Stores
5661 – Shoe Stores
5681 – Furriers and Fur Shops .......
5691 – Men’s and Women’s
Clothing Stores
5697 – Tailors, Seamstresses,
Mending, and Alterations
5699 – Miscellaneous Apparel and
Accessory Shops

5139 Commercial Footwear

Merchants classified with this MCC are business-to- Footwear – Commercial 5661 – Shoe Stores
business or wholesale distributors of commercial Shoes, Shoe Accessories
shoes and boots including athletic footwear. – Commercial

5169 Chemicals and Allied Products (Not Elsewhere Classified)

Merchants classified with this MCC are business-to- Detergents 2842 – Specialty Cleaning, Polishing

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

business or wholesale distributors of chemicals and Supplies – Chemicals, and Sanitation Preparations
allied products that are not classified with a more Allied Products 5999 – Miscellaneous and Specialty
specific MCC. Retail Stores

5172 Petroleum and Petroleum Products

Merchants classified with this MCC are business-to- Fuel Products, Services 5169 – Chemicals and Allied Products
business or wholesale distributors of petroleum and Services – Fueling (Not Elsewhere Classified)
petroleum products, butane gas, crude oil, fuel oil, 5983 – Fuel Dealers – Fuel Oil,
gasoline, kerosene, lubricating oils and greases, Wood, Coal, and Liquefied
aircraft fueling services, and naphtha. Petroleum

5192 Books, Periodicals and Newspapers

Merchants classified with this MCC are business-to- Journals 2741 – Miscellaneous Publishing
business or wholesale distributors of books, Magazines and Printing
periodicals, magazines, journals, and newspapers, Newspapers, Newspaper 5942 – Book Stores
including newspaper agencies.
Agencies 5968 – Direct Marketing – Continuity/
Periodicals Subscription Merchant
5994 – News Dealers and
Newsstands

5193 Florists Supplies, Nursery Stock and Flowers

Merchants classified with this MCC are business-to- Gardening Supplies 5261 – Nurseries and Lawn and
business or wholesale distributors of flowers, nursery Nursery Stock Garden Supply Stores
stock and florists’ supplies, fresh and artificial flowers, 5992 – Florists
Plants
and potted plants.
Supplies – Florist Supplies,
Nursery Stock, Flowers

5198 Paints, Varnishes and Supplies

Merchants classified with this MCC are business-to- Supplies – Paints, 5231 – Glass, Paint, and Wallpaper
business or wholesale distributors of paints, Varnishes, Supplies Stores
varnishes, wallpaper, and supplies, including colors Varnishes, Paints,
and pigments, enamels, lacquers, paint brushes, paint Supplies
pans, sandpaper, drop cloths, shellac, rollers, and
sprayers.

5199 Nondurable Goods (Not Elsewhere Classified)

Merchants classified with this MCC are business-to- Goods – Nondurable 5131 – Piece Goods, Notions, and
business or wholesale distributors of nondurable Other Dry Goods
goods that are not classified with a more specific 5948 – Luggage and Leather
MCC, such as food products, art goods, clothes Goods Stores
hangers, foam rubber, ice, crude rubber, sponges,
textile bags, burlap, canvas products, leather, and
baskets.

5200 Home Supply Warehouse Stores

Merchants classified with this MCC sell of a wide Warehouse Stores – 5211 – Lumber and Building Materials
range of home products such as wallpaper, paint, Home Supply Stores

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

lumber, garden supplies, electrical equipment and 5231 – Glass, Paint, and Wallpaper
supplies and home decorating items, as well as sinks, Stores
cabinets and doors. 5251 – Hardware Stores
5713 – Floor Covering Stores

5211 Lumber and Building Materials Stores

Merchants classified with this MCC sell of one or Building Materials 5200 – Home Supply Warehouse
more of the following products: lumber, unfinished Construction Materials Stores
wood products, lighting materials, concrete, sand, 5231 – Glass, Paint, and Wallpaper
Materials – Lumber,
gravel, general building or electrical supplies, bricks, Stores
Building
fencing, pipe, fiberglass, or molding. This MCC
Roofing Materials 5251 – Hardware Stores
includes building centers that offer their products to
contractors rather than to the general public and does Supplies – Lumber, 5713 – Floor Covering Stores
not include home supply store chains that are Building Materials 5718 – Fireplace, Fireplace Screens
frequented by the general public. and Accessories Stores

5231 Glass, Paint, and Wallpaper Stores

Merchants classified with this MCC sell glass, paint Paint, Painting Supplies 5039 – Construction Materials
and painting supplies, wallpaper and hanging Supplies – Glass (Not Elsewhere Classified)
supplies, and other wall covering materials. 5200 – Home Supply Warehouse
Supplies – Paint, Painting
Supplies Stores
Supplies – Wallpaper, 5251 – Hardware Stores
Supplies
Wallpaper, Wallcovering
Supplies Store

5251 Hardware Stores

Merchants classified with this MCC sell a full range of Electrical Supplies 5200 – Home Supply Warehouse
hardware supplies for purchase by the general public. Hand Tools Stores
Lighting Fixtures, Supplies 5231 – Glass, Paint, and Wallpaper
Plumbing Supplies Stores
Power Tools 5713 – Floor Covering Stores
Supplies – Hardware 5718 – Fireplace, Fireplace Screens
Stores and Accessories Stores
Tools

5261 Nurseries and Lawn and Garden Supply Stores

Merchants classified with this MCC sell nursery stock, Gardening Supplies 0780 – Landscaping and
trees, shrubs, other plants, seeds, bulbs, mulches, Greenhouses Horticultural Services
soil conditioners, fertilizers, pesticides, garden tools, Lawn, Garden Supply 5992 – Florists
and other garden supplies.
Plant Shops
Supplies – Nurseries,
Lawn, Garden Supply
Stores

5262 Marketplaces

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

Entities classified with this MCC are online marketplaces

that accept Visa and bring together cardholders and
retailers selling a range of goods or services that may
otherwise qualify for different MCCs, on a single e-
commerce website or mobile application, under a single
brand used to identify itself to cardholders. Marketplaces
with a single line of goods or services must use the MCC
that most accurately describes that line of business.
These marketplaces must meet all Visa qualification
requirements, and be registered with Visa as a
marketplace.

5271 Mobile Home Dealers

Merchants classified with this MCC sell new and used Dealers – Mobile Home, 5561 – Camper, Recreational and
mobile homes and related parts, accessories, and Parts, Equipment Utility Trailer Dealers
equipment. Equipment – Mobile 5592 – Motor Home Dealers
Home Parts 5599 – Miscellaneous Automotive,
Aircraft, and Farm Equipment
Dealers (Not Elsewhere Classified)

5300 Wholesale Clubs

Merchants classified with this MCC sell a full range of Club Stores – Wholesale 5200 – Home Supply Warehouse
goods (often in bulk) and services in warehouse-style Clubs Stores
stores. These merchants may or may not have Discount Goods – 5310 – Discount Stores
membership requirements. Wholesale Clubs 5311 – Department Stores
Warehouse Retail – 5331 – Variety Stores
Wholesale Clubs 5399 – Miscellaneous General
Merchandise
5712 – Furniture, Home Furnishings
and Equipment Stores, Except
Appliances
5719 – Miscellaneous Home
Furnishing Specialty Stores

5309 Duty Free Stores

Merchants classified with this MCC sell a variety of 5921 – Package Stores – Beer, Wine,
gift and import items that are typically exempt from and Liquor
customs fees, such as liquor, perfume, and jewelry. 5944 – Jewelry Stores
5999 – Miscellaneous and Specialty
Retail Stores

5310 Discount Stores

Merchants classified with this MCC sell a general line 5300 – Wholesale Clubs
of merchandise and offer it at a discounted rate. 5311 – Department Stores
5331 – Variety Stores
5399 – Miscellaneous General
Merchandise
5931 – Used Merchandise and
Secondhand Stores

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5311 Department Stores

Merchants classified with this MCC sell a general line 5300 – Wholesale Clubs
of apparel, home furnishings, furniture, electronics, 5331 – Variety Stores
cosmetics, housewares, and major household 5399 – Miscellaneous General
appliances. These stores have departments that Merchandise
usually have their own separate check-out counters.
5931 – Used Merchandise and
Secondhand Stores

5331 Variety Stores

Merchants classified with this MCC sell a limited 5310 – Discount Stores
selection of various products in a lower price range. 5311 – Department Stores
Generally, these merchants sell the same type of 5399 – Miscellaneous General
merchandise and operate in the same manner as a Merchandise
discount store, but on a much smaller scale.
5931 – Used Merchandise and
Secondhand Stores
5947 – Gift, Card, Novelty and
Souvenir Shops

5399 Miscellaneous General Merchandise

Merchants classified with this MCC sell a general line General Merchandise – 5300 – Wholesale Clubs
of merchandise. Generally, these merchants sell the Miscellaneous 5310 – Discount Stores
same type of merchandise and operate in the same 5311 – Department Stores
manner as a department store, but on a much smaller
5331 – Variety Stores
scale.
5931 – Used Merchandise and
Secondhand Stores

5411 Grocery Stores and Supermarkets

Merchants classified with this MCC sell a complete, Food Stores – Grocery 5422 – Freezer and Locker Meat
full line of food merchandise for home consumption. Stores, Supermarkets Provisioners
Most of the food merchandise is perishable, and Supermarkets 5451 – Dairy Products Stores
perishables* must represent at least 45% of 5499 – Miscellaneous Food Stores –
merchant’s total monthly sales volume, measured in Convenience Stores and Specialty
local currency. In addition, they also sell canned, Markets
frozen, prepackaged, and dry foods, a limited
selection of housewares, cleaning and polishing
products, personal hygiene products, cosmetics,
greeting cards, books, magazines, household items,
and dry goods. These merchants may also operate
specialized departments such as an in-store deli
counter, meat counter, pharmacy, or floral
department.
* Perishable goods include the following:
 Bakery – in store (service)
 Bread and baked goods – fresh
 Dairy – butter, margarine, cottage cheese,
sour cream, toppings, dough products, eggs,
juices/drinks (refrigerated), milk, pudding,
desserts, snacks, spreads, dips, and yogurt
 Deli – in store (service)

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 Deli – refrigerated (self service)

 Frozen foods – baked goods, breakfast foods,
desserts, fruits, toppings, frozen novelties, ice,
ice cream, juices, drinks, meal starters, pizza,
snacks, hors d’oeuvres, prepared foods,
unprepared meat, poultry, seafood,
vegetables
 Meat, fish, poultry – fresh
 Packaged meat – deli
 Fresh produce
 Floral

5422 Freezer and Locker Meat Provisioners

Merchants classified with this MCC sell fresh, frozen, Butcher Shops 5411 – Grocery Stores and
or cured meats, fish, shellfish, and other seafoods. Fish, Seafood Markets Supermarkets
This MCC also includes bulk retail sellers of meat for Frozen Meats, Seafood 5499 – Miscellaneous Food Stores –
freezer storage and home freezer plans. Convenience Stores and Specialty
Meat Markets, Meat
Lockers Markets

Seafood Markets

5441 Candy, Nut, and Confectionery Stores

Merchants classified with this MCC are retail sellers of Chocolate Shops 5451 – Dairy Product Stores
candy, chocolate, nuts, dried fruits, Confectionery Shops 5462 – Bakeries
popcorn and other confections. Dried Fruit Shops 5499 – Miscellaneous Food Stores –
Nut Shops Convenience Stores and Specialty
Popcorn Stands Markets

5451 Dairy Products Stores

Merchants classified with this MCC sell over-the- Cheese Shops 5499 – Miscellaneous Food Stores –
counter packaged butter, cheese, ice cream, milk, Convenience Stores and Specialty
and other dairy products. Markets
5814 – Ice Cream Shops

5462 Bakeries

Merchants classified with this MCC sell (and may Bagel Shops 5499 – Miscellaneous Food Stores –
make) bakery goods. Cake Shops Convenience Stores and
Cookie Stores Specialty Markets

Doughnut Shops
Pastry Shops
Pie Shops
Wedding Cakes

5499 Miscellaneous Food Stores – Convenience Stores and Specialty Markets

Merchants classified with this MCC sell specialty Convenience Stores 5411 – Grocery Stores and
foods not classified with a more specific MCC. Delicatessens Supermarkets
Food Stores – 5422 – Freezer and Locker Meat
Convenience Provisioners
Fruit Markets 5441 – Candy, Nut, and

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MCC MCC Description Included in this MCC Similar Merchants

Gourmet Food Stores Confectionery Stores

Health Food Stores 5451 – Dairy Products Stores
Mini Markets 5462 – Bakeries
Poultry Shops 5541 – Service Stations (with or
Produce Markets without Ancillary Services
Specialty Food Markets 5814 – Fast Food Restaurants
Vegetable Markets
Vitamin Stores
Meal Preparation Kits

5511 Car and Truck Dealers (New and Used) Sales, Service, Repairs, Parts, and Leasing

Merchants classified with this MCC sell and/or lease Automobile/Truck 5521 – Car and Truck Dealers
new and used automobiles, trucks, pickups, and vans Dealers (New/Used) (Used Only) Sales, Service, Repairs,
and may also conduct repair work and sell Sales, Service, Repairs, Parts, and Leasing
replacement parts and accessories. Parts, Leasing 5532 – Automotive Tire Stores .......
Car Dealers (New/Used) 5533 – Automotive Parts and
Dealers – Automobile/ Accessories Stores
Truck (New/Used), Sales, 5561 – Camper, Recreational and
Service, Repairs, Utility Trailer Dealers
Parts, Leasing 5571 – Motorcycle Shops and Dealers
Leasing – Automobile,Truck 5592 – Motor Home Dealers
Motor Vehicle 5598 – Snowmobile Dealers
Dealers(New/Used)
5599 – Miscellaneous Automotive,
Repairs – Automobile/ Aircraft, and Farm Equipment
Truck Dealers (New/ Dealers (Not Elsewhere Classified)
Used) Sales, Service,
7538 – Automotive Service Shops
Repairs, Parts, Leasing
(Non-Dealer)
Truck Dealers (New/Used)

5521 Car and Truck Dealers (Used Only) Sales, Service, Repairs, Parts, and Leasing

Merchants classified with this MCC sell and/or lease Antique Automobiles 5511 – Car and Truck Dealers
only used automobiles, trucks, pickups and vans and Automobiles/Trucks (Used (New/Used) Sales, Service, Repairs,
may also conduct repair work and sell replacement Only) Parts, and Leasing
parts and accessories. Car Dealers (Used Only) 5532 – Automotive Tire Stores
Dealers – Antique 5533 – Automotive Parts and
Automobiles Accessories Stores
Dealers – Automobile/ 5561 – Camper, Recreational and
Truck (Used Only) Utility Trailer Dealers
5571 – Motorcycle Shops and
Dealers
5592 – Motor Home Dealers
5598 – Snowmobile Dealers
5599 – Miscellaneous Automotive,
Aircraft, and Farm Equipment
Dealers (Not Elsewhere Classified)
7538 – Automotive Service Shops
(Non-Dealer)

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5532 Automotive Tire Stores

Merchants classified with this MCC sell automotive Car Tires – New Only 5533 – Automotive Parts and
and truck tires and related parts and may also Repairs – Automotive Tire Accessories Stores
conduct tire installation and repair services. Stores 7534 – Tire Retreading and Repair
Services – Repairs/ Shops
Automotive Tire Stores 7538 – Automotive Service Shops
Tire Stores (Non-Dealer)

5533 Automotive Parts and Accessories Stores

Merchants classified with this MCC sell automobile Accessories – Automotive 5532 – Automotive Tires Stores
parts, equipment, and accessories. Automobile – Parts, 5732 – Electronics Stores
Accessories Stores
Car Parts, Accessories
Stores
Motor Vehicle Supplies,
Parts
Parts, Automotive
Supplies – Automotive
Parts, Accessories Stores

5541 Service Stations (With or without Ancillary Services)

Merchants classified with this MCC are retail sellers of Filling Stations – 5542 – Automated Fuel Dispensers
engine fuel These merchants may or may not also Automotive Gasoline 7538 – Automotive Service Shops
have a convenience store, car wash, or automotive Gas Stations (With or (Non-Dealer)
repair shop on the premises, but must sell fuel for Without Ancillary Services)
consumer use. Excluded from this category code are Gasoline – Service Stations
Automated Fuel Dispensers, MCC 5542
Marina Service Stations
Petrol – Service Stations
Truck Stops – Gasoline
Service

5542 Automated Fuel Dispensers

Merchants classified with this MCC are retail sellers of Cardholder-Activated 5541 – Service Stations (With or
engine fuel through the use of an Automated Fuel Fuel Dispensers Without Ancillary Services)
Dispenser (AFD). Fuel Dispensers – 7538 – Automotive Service Shops
Automated (Non-Dealer)
  Gas Pumps (Automated
Fuel Dispensers)
Fuel – Self-Service
Terminals
Petrol Dispensers –
Automated Petrol – Self-
Service Terminals
Self-Service Terminals –
Fuel
Self-Service Terminals –
Petrol

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5551 Boat Dealers

Merchants classified with this MCC sell new and used Dealers – Boat 4468 – Marinas, Marine Service, and
motorboats, sailboats, and other watercraft, marine Motorboat Dealers Supplies
supplies, and outboard motors. Outboard Motor Dealers
Powerboat Dealers
Sailboat Dealers

5552 Electric Vehicle Charging

Merchants classified with this MCC sell electricity for 5541 – Service Stations (With or
the purpose of fueling an automobile Without Ancillary Services
5542 – Automated Fuel Dispensers
7523 – Parking Lots, Parking Meters
and Garages

5561 Camper, Recreational and Utility Trailer Dealers

Merchants classified with this MCC sell new and used Accessories – Recreational 5571 – Motorcycle Shops and Dealers
campers, recreational and utility trailers, and related Vehicles 5592 – Motor Home Dealers
parts and accessories. Camper Dealers 5598 – Snowmobile Dealers
Dealers – Recreational, 5599 – Miscellaneous Automotive,
Utility Trailers, Camper Aircraft, and Farm Equipment
Dealers Dealers (Not Elsewhere Classified)
Parts, Recreational
Vehicles
RV, Camper Dealers
Recreational Vehicle
Dealers, Parts, Accessories
Trailers – Utility
Utility Trailers

5571 Motorcycle Shops and Dealers

Merchants classified with this MCC sell new and used Dealers – Motorcycle, 5599 – Miscellaneous Automotive,
motorcycles, motor scooters, mopeds and related Moped, Motor Scooters Aircraft, and Farm Equipment
parts, equipment, clothing, and accessories. Moped Dealers, Parts, Dealers (Not Elsewhere Classified)
Accessories
Motor Scooter Dealers,
Parts, Accessories
Supplies – Motorcycle
Parts, Accessories

5592 Motor Homes Dealers

Merchants classified with this MCC sell new and used Dealers – Motor Homes 5271 – Mobile Home Dealers
motor homes and related parts and 5561 – Camper, Recreational and
accessories. Utility Trailer Dealers
5599 – Miscellaneous Automotive,
Aircraft, and Farm Equipment
Dealers (Not Elsewhere Classified)

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MCC MCC Description Included in this MCC Similar Merchants

5598 Snowmobile Dealers

Merchants classified with this MCC sell new and used Dealers – Snowmobiles 5561 – Camper, Recreational and
snowmobiles and related parts and accessories. Utility Trailer Dealers
5599 – Miscellaneous Automotive,
Aircraft, and Farm Equipment
Dealers (Not Elsewhere Classified)

5599 Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers (Not Elsewhere Classified)

Merchants classified with this MCC sell new and used Airplane, Aircraft Dealers 5511 – Car and Truck Dealers (New
aircraft and/or automotive, farm, and recreational All-Terrain Vehicle and Used) Sales, Service, Repairs,
vehicles, parts, equipment and supplies not classified Dealers Parts, and Leasing
with a more specific MCC. Automotive Dealers – 5521 – Car and Truck Dealers (Used
Miscellaneous Only) Sales, Service, Repairs, Parts,
Dealers – Airplane, and Leasing
Aircraft 5551 – Boat Dealers
Dealers – Golf Carts 5561 – Camper, Recreational and
Dealers – Miscellaneous Utility Trailer Dealers
Automotive Dealers 5571 – Motorcycle Shops and Dealers
Plane Dealers – Aircraft 5592 – Motor Home Dealers
5598 – Snowmobile Dealers

5611 Men’s and Boys’ Clothing and Accessories Stores

Merchants classified with this MCC sell men’s and Accessories – Men’s, 5651 – Family Clothing Stores
boys’ ready-to-wear clothing and accessories. Boys’ Clothing 5691 – Men’s and Women’s
Apparel – Men’s, Boys’ Clothing Stores
Clothing
Boys’ Clothing, Accessories
Clothing – Men’s, Boys’
Clothing, Accessory
Stores
Hat Shops – Men’s Necktie
Stores
Tie Shops – Men’s Clothing

5621 Women’s Ready-To-Wear Stores ..

Merchants classified with this MCC sell a general line Apparel – Women’s Ready- 5631 – Women’s Accessory and
of women’s ready-to-wear and special-event clothing. To-Wear Stores Specialty Shops
Bridal Shops 5651 – Family Clothing Stores
Clothing – Women’s 5655 – Sports and Riding
Ready-To-Wear Stores Apparel Stores
Coat Stores – Women’s 5681 – Furriers and Fur Shops
Dress Shops 5691 – Men’s and Women’s
Maternity Stores Clothing Stores
Outerwear Stores – 5699 – Miscellaneous Apparel and
Women’s Accessory Shops

5631 Women’s Accessory and Specialty Shops

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Merchants classified with this MCC sell women’s Accessories – Women’s 5621 – Women’s Ready-To-Wear
clothing accessories, including handbags, hats, Accessory, Specialty Stores
costume jewelry, scarves, belts, hair accessories, Shops 5699 – Miscellaneous Apparel and
lingerie, and hosiery. Apparel – Women’s Accessory Shops
Accessory, Specialty
Shops
Clothing – Women’s
Accessory, Specialty
Shops
Costume Jewelry Shops
Handbag Stores
Hat Shops – Women’s
Jewelry – Costume
Lingerie Stores

5641 Children’s and Infants’ Wear Stores

Merchants classified with this MCC sell children’s and Apparel – Children’s, 5651 – Family Clothing Stores
infants’ clothing and accessories. Infants’ Wear 5699 – Miscellaneous Apparel and
Baby Clothing Accessory Shops
Clothing – Children’s,
Infants’ Wear Stores
Infants’ Clothing

5651 Family Clothing Stores

Merchants classified with this MCC sell general lines Apparel – Family Clothing 5611 – Men’s and Boys’ Clothing and
of men’s, women’s, and children’s clothing and Stores Accessory Stores
accessories without specializing in sales for a Clothing – Family Clothing 5621 – Women’s Ready-To-Wear
particular gender or age group. Stores Stores
Jeans, Denim Clothing 5631 – Women’s Accessory and
Stores Specialty Shops
5641 – Children’s and Infants’ Wear
Stores
5655 – Sports and Riding
Apparel Stores
5661 – Shoe Stores
5681 – Furriers and Fur Shops .......
5691 – Men’s and Women’s Clothing
Stores
5699 – Miscellaneous Apparel and
Accessory Shops

5655 Sports and Riding Apparel Stores

Merchants classified with this MCC sell athletic, Active Wear – Sports 5661 – Shoe Stores
sports, and riding apparel and active wear. Apparel 5699 – Miscellaneous Apparel and
Apparel – Sports, Riding Accessory Shops
Apparel Stores 5941 – Sporting Goods Stores
Athletic Apparel Stores
Clothing – Sports Apparel,
Riding Apparel Stores

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MCC MCC Description Included in this MCC Similar Merchants

Equestrian Apparel
Riding Apparel – Sports
Apparel

5661 Shoe Stores

Merchants classified with this MCC sell men’s, Athletic Shoe Stores
women’s, and/or children’s footwear (including athletic Boot Shops
footwear) and accessories. Footwear Stores
Western Boot Shops

5681 Furriers and Fur Shops

Merchants classified with this MCC sell a variety of Apparel – Furriers, Fur 5621 – Women’s Ready-To-Wear
items made of animal fur, including coats, jackets, Shops Shops
hats, and gloves. Clothing – Furriers, Fur 5631 – Women’s Accessory and
Shops Specialty Shops
Coat Stores – Furriers 5691 – Men’s and Women’s Clothing
Stores
5699 – Miscellaneous Apparel and
Accessory Shops

5691 Men’s and Women’s Clothing Stores

Merchants classified with this MCC sell men’s and Apparel – Men’s Clothing 5611 – Men’s and Boys’ Clothing and
women’s clothing and accessories but not infants’ and Stores Accessories Stores
children’s clothing. Clothing – Women’s 5621 – Women’s Ready-To-Wear
Clothing Stores Stores
5631 – Women’s Accessory and
Specialty Shops
5641 – Children’s and Infants’ Wear
Stores
5651 – Family Clothing Stores
5699 – Miscellaneous Apparel and
Accessory Shops

5697 Tailors, Seamstresses, Mending, and Alterations

Merchants classified with this MCC create and sell Alterations 5949 – Sewing, Needlework, Fabric
custom-made clothing and perform alterations, Apparel – Tailors, and Piece Goods Stores
mending, and garment repair or restoration. Seamstresses, Mending,
Alterations
Clothing – Tailors,
Seamstresses, Mending,
Alterations
Custom Made Clothing
Dressmakers
Hand Made Clothing
Made-To-Order Clothing
Mending, Alterations
Repairs – Tailors,
Seamstresses, Mending,

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

Alterations
Seamstresses Services –
Tailors, Seamstresses,
Mending, Alterations
Sewing Shops –
Alterations

5698 Wig and Toupee Stores

Merchants classified with this MCC sell permanently Hair Pieces, Extensions 5999 – Miscellaneous and Specialty
attached or temporary toupees, wigs, hair pieces, and Hair Replacement – Retail Stores
hair extensions or provide hair weaving services. Non-Surgical 7230 – Beauty and Barber Shops
Toupee Stores 8099 – Medical Services and Health
Practitioners (Not Elsewhere
Classified)

5699 Miscellaneous Apparel and Accessory Shops

Merchants classified with this MCC sell specialized Clothing – Formal Wear 5611 – Men’s and Boys’ Clothing and
lines of apparel (excluding fur) and accessories that Clothing – Miscellaneous Accessories Stores
are not classified with a more specific MCC. Apparel, Accessory Shops 5621 – Women’s Ready-to-Wear
Swim Wear Shop Stores
T-Shirt Stores 5631 – Women’s Accessory and
Specialty Shops
5641 – Children’s and Infants’
Wear Stores
5651 – Family Clothing Stores
5661 – Shoe Stores
5681 – Furriers and Fur Shops
5691 – Men’s and Women’s
Clothing Stores
5697 – Tailors, Seamstresses,
Mending, and Alterations

5712 Furniture, Home Furnishings, and Equipment Stores, Except Appliances

Merchants classified with this MCC sell home Bedding, Mattress Stores 5713 – Floor Covering Stores
furnishings and a wide variety of finished furniture Custom Made Furniture 5714 – Drapery, Window Covering,
products and accessories for the home. Equipment Stores and Upholstery Stores
Home Furnishings, 5719 – Miscellaneous Home
Furniture Furnishing Specialty Stores
Made-to-Order Furniture 5722 – Household Appliance Stores
Mattress Stores 5732 – Electronics Stores
Outdoor Furnishings 7641 – Furniture – Reupholstery,
Patio, Porch Furnishings Repair, and Refinishing
Stores

5713 Floor Covering Stores

Merchants classified with this MCC are retail sellers of Carpet, Rug Stores 5712 – Furniture, Home Furnishings
floor coverings such as carpet, area rugs, floor tile, Linoleum Stores and Equipment Stores, Except

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MCC MCC Description Included in this MCC Similar Merchants

linoleum, stone, wood, and brick, and may or may not Rug Stores Appliances
also perform installation services. Tile Stores 5719 – Miscellaneous Home
Furnishing Specialty Stores
1799 – Special Trade Contractors
(Not Elsewhere Classified)

5714 Drapery, Window Covering, and Upholstery Stores

Merchants classified with this MCC sell draperies, Curtain Stores 5712 – Furniture, Home Furnishings
curtains, venetian blinds, window shades, and Upholstery Materials Stores and Equipment Stores, Except
upholstery materials. Window-covering Stores Appliances
5719 – Miscellaneous Home
Furnishing Specialty Stores
7641 – Furniture – Reupholstery,
Repair, and Refinishing

5718 Fireplace, Fireplace Screens and Accessories Stores

Merchants classified with this MCC sell pre-made Hearth, Accessories 1740 – Masonry, Stonework, Tile
fireplaces, wood stoves, and fireplace parts and Stores Setting, Plastering and Insulation
accessories. Heating – Fireplace, Contractors
Accessories Stores 5251 – Hardware Stores
Stoves – Fireplaces, 5719 – Miscellaneous Home
Accessories Stores Furnishing Specialty Stores
Woodburning Stoves,
Accessories Stores

5719 Miscellaneous Home Furnishing Specialty Stores

Merchants classified with this MCC sell miscellaneous Accessories – Home 5712 – Furniture, Home Furnishings
home furnishings such as housewares, cutlery, Furnishings and Equipment Stores, Except
bedding and linen, lamps and shades, mirrors and Bed, Bath Shops Appliances
pictures, pottery, and ceramic items. Cookware Stores 5713 – Floor Covering Stores .........
Cutlery – Kitchen 5714 – Drapery, Window Covering,
Home Furnishing and Upholstery Stores
Specialty Stores – 5718 – Fireplace, Fireplace Screens
Miscellaneous and Accessories Stores
Housewares Stores 5722 – Household Appliance Stores
Kitchenware Stores 5932 – Antique Shops – Sales,
Lamp, Lighting Shops Repairs, and Restoration Services
Linen Shops 5950 – Glassware/Crystal Stores ...
Pottery Stores

5722 Household Appliance Stores

Merchants classified with this MCC sell household Sewing Machine Stores 5712 – Furniture, Home Furnishings
appliances such as gas or electric ranges and stoves, Vacuum Cleaner Stores and Equipment Stores, Except
ovens, refrigerators, dishwashers, water heaters, Appliances
washers and dryers, garbage disposals, sewing 5719 – Miscellaneous Home
machines, self-contained air conditioning units, and Furnishing Specialty Stores
vacuum cleaners, and may or may not also conduct 7623 – Air Conditioning and
repair work. Refrigeration Repair Shops

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MCC MCC Description Included in this MCC Similar Merchants

7629 – Electrical and Small Appliance

Repair Shops
7699 – Miscellaneous Repair Shops
and Related Services

5732 Electronics Stores

Merchants classified with this MCC sell a wide variety Camcorders (And Other 5722 – Household Appliance Stores
of electronic goods such as televisions, radios, Electronics) 5946 – Camera and Photographic
cameras, computers, tablets, and stereo components Computer Hardware Supply Stores
and may also sell electronic parts and or accessories (And Other Electronics) 7622 – Electronics Repair Shops
for the repair, construction or assembly of electronic Electronic Parts 7629 – Electrical and Small Appliance
equipment and/or also conduct repair work.
Electronic Repair Shops Repair Shops
High Fidelity Equipment 7699 – Miscellaneous Repair Shops
Personal Computers and Related Services
Radios 7841 – DVD/Video Tape Rental
Stereos, Receivers, CD Stores
Equipment
Television Stores
VCR’s
Video Cameras (And
Other Electronics)

5733 Music Stores – Musical Instruments, Pianos, and Sheet Music

Merchants classified with this MCC sell musical Guitar Stores 5732 – Electronics Stores
instruments, sheet music, keyboards, instruction Instruments – Musical 5735 – Record Stores
books, pianos, guitars and related supplies and Pianos 8299 – Schools and Educational
equipment and may also offer music instruction. Services (Not Elsewhere Classified)

5734 Computer Software Stores

Merchants classified with this MCC sell computer 5732 – Electronics Stores
software programs for business and personal use and 7372 – Computer Programming, Data
may also sell or lease computer hardware or other Processing, and Integrated Systems
related products. Merchants that sell applications for Design Services
mobile devices should use MCC 5817. 7379 – Computer Maintenance,
Repair and Services (Not Elsewhere
Classified)

5735 Record Stores

Merchants classified with this MCC sell records, CD, Cassette, Record 7841 – DVD/Video Tape Rental
compact discs (CDs), and cassettes, and may also Stores Stores
rent video tapes. Compact Disc, Cassette, 5815 – Digital Goods Media – Books,
Record Stores Movies, Music
Music Stores –
Prerecorded Records,
CDs, Cassettes
Record, CD, Cassette
Stores
Used Record/CD Stores

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5811 Caterers

Merchants classified with this MCC contract with Food Preparation – 5812 – Eating Places and
consumers to prepare and deliver (typically to a Catering Restaurants
specified location) food and drinks for immediate
consumption and may also provide clean-up services,
tables, serving equipment, decorations, and
personnel for on-site serving and cleanup.

5812 Eating Places and Restaurants

Merchants classified with this MCC prepare food and Cafes, Restaurants 5462 – Bakeries
drinks for immediate consumption, typically on the Cafeterias 5499 – Miscellaneous Food Stores –
merchant’s premises. These merchants typically Diners – Eating Convenience Stores and Specialty
provide table service and may include alcoholic Establishments Markets
beverages on the menu. This MCC includes food 5813 – Drinking Places (Alcoholic
Restaurants
delivery. Beverages) – Bars, Taverns,
Soda Fountains
Nightclubs, Cocktail Lounges, and
Discotheques
5814 – Fast Food Restaurants

5813 Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques

Merchants classified with this MCC sell alcoholic Drinking Establishments 5812 – Eating Places and
beverages such as wine, beer, mixed drinks, and Beer Parlors Restaurants
other liquors and beverages for consumption on the Breweries, Bars
premises.
Comedy Clubs
Lounges
Micro breweries
Pubs
Saloons
Tap Rooms
Wine Bars

5814 Fast Food Restaurants

Merchants classified with this MCC sell prepared food Quick Service Restaurants 5812 – Eating Places and
and beverages for consumption either on the Vending Machines – Food Restaurants
premises or packaged for carry-out. Orders are Sandwich Shops 5499 – Miscellaneous Food Stores –
typically made and paid for at a counter, kiosk or Convenience Stores and Specialty
Ice Cream Shops
drive-through window. Markets
Coffee Shops
Yogurt Shops
Pretzel Stands

5815 Digital Goods Media – Books, Movies, Music

Merchants classified with this MCC sell books, 5192 – Books, Periodicals,
Newspapers
movies, or music that is delivered in electronic format.  
7832 – Movie Theaters, Motion
Merchants offering ongoing steaming of digital media Picture Theaters
content on a subscription basis should use MCC 4899 5735 – Record Stores
5818 – Digital Goods – Large Digital

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Goods Merchant
4899 – Cable, Satellite and Other
Pay Television/Radio/Streaming
Services

5816 Digital Goods – Games

Merchants classified with this MCC sell games Fantasy Sports (in 7993 – Video Amusement Game
Supplies
(including games of skill but excluding games of jurisdictions where they
chance) that are delivered in electronic format. not considered gambling) 7994 – Video Game
Arcades/Establishments
7995 – Betting, including Lottery
Tickets, Casino Gaming Chips, Off-
Track Betting, and Wagers at Race
Tracks and games of chance to win
prizes of monetary value
7800 – Gambling – Government-
Owned Lotteries
7801 – Gambling – Government-
Licensed On-Line Casinos
7802 – Gambling – Government-
Licensed Horse/Dog Racing

5817 Digital Goods – Applications (Excludes Games)

Merchants classified with this MCC sell applications 5734 – Software – Computer:
or software (excludes games) that are delivered in Computer Software Stores
electronic format. 5045 – Software – Computer:
Computers and Computer
Peripheral Equipment and Software
5816 – Digital Goods – Games

5818 Digital Goods – Large Digital Goods Merchant

All regions (excluding Europe):

Merchants classified with this MCC are large-volume
merchants that sell digital goods (goods delivered
via electronic format) with a minimum threshold of
25 million transactions annually.
Europe region only:
Merchants classified with this MCC are digital goods
merchants that are categorized as PCI DSS Level 1,
as they process over 6 million Visa transactions
annually.

5912 Drug Stores and Pharmacies

Merchants classified with this MCC sell prescription Medicine – Prescription, 5499 – Miscellaneous Food Stores –
and proprietary drugs, nonprescription (over-the- Pharmacies Convenience Stores and Specialty
counter) medicines, vitamins, cannabis (where legal Markets
Pharmacies
to do so) and may also sell related items such as Prescription Medication
cosmetics, toiletries, tobacco, heating pads, back
Toiletries
supports, novelty merchandise, greeting cards, and a
limited supply of food items.

5921 Package Stores – Beer, Wine, and Liquor

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Merchants classified with this MCC sell packaged Alcohol – Liquor Stores 5499 – Miscellaneous Food Stores –
alcoholic beverages such as beer, wine, and liquor for Convenience Stores and Specialty
consumption off the premises and may also sell a Markets
limited variety of food and snack items, newspapers 5813 – Drinking Places (Alcoholic
and magazines, and a limited selection of toiletries Beverages) – Bars, Taverns,
and over-the-counter medicines. Nightclubs, Cocktail Lounges, and
Discotheques

5931 Used Merchandise and Secondhand Stores

Merchants classified with this MCC sell used Consignment Shops 5932 – Antique Shops – Sales,
merchandise or secondhand goods such as Secondhand Stores Repairs, and Restoration Services
accessories, shoes and clothing, furniture, books, Thrift Stores 5933 – Pawn Shops
bicycles, musical instruments, sewing machines,
Vintage Clothing
electronic equipment, appliances, and other
household items. Typically, the items for sale have
been donated or are on consignment.

5932 Antique Shops – Sales, Repairs, and Restoration Services

Merchants classified with this MCC sell antiques such Services – Antique 5521 – Car and Truck Dealers (Used
as furniture, jewelry, cameras and photographic Restoration Only) Sales, Service, Repairs, Parts,
equipment, tools, art work, books, appliances and and Leasing
other household items. This MCC does not include 7641 – Furniture – Reupholstery,
retail sellers of antique automobiles. Repair, and Refinishing

5933 Pawn Shops

Merchants classified with this MCC lend money in 5931 – Used Merchandise and
exchange for personal property left with the Secondhand Stores
merchants as security. 5932 – Antique Shops – Sales,
Repairs, and Restoration Services

5935 Wrecking and Salvage Yards

Merchants classified with this MCC provide wrecking Junk Yards 7549 – Towing Services
and salvaging services.

5937 Antique Reproductions

Merchants classified with this MCC sell antique 5932 – Antique Shops – Sales,
reproductions or facsimiles of clothing, furniture, rugs, Repairs, and Restoration Services
paintings and art work, mirrors, glassware, jewelry,
and other household and personal items and may
also provide antique photograph reproduction and
restoration services.

5940 Bicycle Shops – Sales and Service

Merchants classified with this MCC sell bicycles, Mountain Bikes 5941 – Sporting Goods Stores
bicycle parts, and accessories (including a limited Service – Bicycles 7699 – Miscellaneous Repair Shops
variety of related sporting apparel) and may also and Related Services
conduct repair work.
7999 – Recreation Services (Not
Elsewhere Classified)

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5941 Sporting Goods Stores

Merchants classified with this MCC sell sporting Backpacking Equipment 5551 – Boat Dealers
goods, sports equipment, camping supplies, and Bait, Tackle Stores 5561 – Camper, Recreational and
related parts and accessories, and may also rent or Utility Trailer Dealers
Billiard Tables – Sales
repair equipment.
Camping Equipment 5571 – Motorcycle Shops and Dealers
Cutlery – Sporting Knives 5598 – Snowmobile Dealers
Exercise Equipment 5940 – Bicycle Shops – Sales and
Fishing – Equipment, Bait, Service
Tackle 7699 – Miscellaneous Repair Shops
Golf Equipment and Related Services
Gun Shops 7999 – Recreation Services (Not
Hiking Equipment Elsewhere Classified)
Hunting Equipment,
Supplies
In-Line Skates Shops
Pool Tables – Sales
Rollerblade Shops
Scuba, Skin Diving
Equipment
Skateboard Shops
Ski Shops
Skin Diving, Scuba
Equipment
Surfboards, Accessories
Trekking Equipment
Windsurf Boards,
Accessories

5942 Book Stores

Merchants classified with this MCC sell new and/or Paperbacks – Book Stores 5943 – Stationery Stores, Office and
used books, journals, magazines, textbooks, maps Textbooks School Supply Stores
and atlases, audio books, and calendars.

5943 Stationery Stores, Office and School Supply Stores

Merchants classified with this MCC are retail sellers of Office Supply Stores 5732 – Electronics Stores
paper goods used in offices and schools, office and School Supply Store 5734 – Computer Software Stores
school supplies, , and small office equipment and
5978 – Typewriter Stores – Sales,
furniture.
Rentals, and Service
7394 – Equipment, Tool, Furniture,
and Appliance Rental and Leasing

5944 Jewelry Stores, Watches, Clocks, and Silverware Stores

Merchants classified with this MCC sell fine jewelry, Clock Shop 5631 – Women’s Accessory and
watches, clocks, and sterling silver and silver-plated Diamond Stores Specialty Shops
flatware and accessories, and may also repair fine 5719 – Miscellaneous Home
Gems, Precious Metals,
jewelry. Furnishing Specialty Stores
Jewelry

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Jewelry – Fine 5932 – Antique Shops – Sales,

Precious Gems, Metals, Repairs, and Restoration Services
Jewelry 5933 – Pawn Shops
Silversmiths 5947 – Gift, Card, Novelty and
Silverware Stores Souvenir Shops
Watch Shops 5950 – Glassware/Crystal Stores ...
5972 – Stamp and Coin Stores
7699 – Miscellaneous Repair Shops
and Related Services

5945 Hobby, Toy, and Game Shops

Merchants classified with this MCC sell toys and Games Stores 5970 – Artist’s Supply and Craft
games, and may also sell a limited selection of do-it- Hobby Shops Shops
yourself craft or hobby kits. Toy Stores
Toy, Game Shops

5946 Camera and Photographic Supply Stores

Merchants classified with this MCC sell cameras, film, Camcorders, 5732 – Electronics Stores
video equipment, printers, and other photographic Photographic Equipment 7395 – Photofinishing Laboratories
equipment and supplies, and may provide Equipment – and Photo Developing
photo/video processing services. Photographic Supply
Stores
Photography Supply Stores
Supplies – Photographic
Video Cameras,
Photographic Equipment

5947 Gift, Card, Novelty and Souvenir Shops

Merchants classified with this MCC sell gifts and Memorabilia, Souvenir 5943 – Stationery Stores, Office and
novelty items, greeting cards, balloons, souvenirs, Shops School Supply Stores
holiday decorations, stationery, wrapping paper and Novelty Shops
bows, photo albums, and a limited selection of office
Souvenir, Memorabilia
supplies.
Shops

5948 Luggage and Leather Goods Stores

Merchants classified with this MCC are retail sellers of 5999 – Miscellaneous and Specialty
luggage, trunks, briefcases, leather backpacks, Retail Stores
wallets, purses, gloves, and other leather goods, and
may also sell a limited selection of leather apparel.

5949 Sewing, Needlework, Fabric and Piece Goods Stores

Merchants classified with this MCC are retail sellers of Fabric Stores 5970 – Artist’s Supply and Craft
fabric, patterns, yarn and other needlework/sewing Knitting Shops Shops
supplies, and may offer sewing classes or instruction. 8299 – Schools and Educational
Needlework Shops
Supplies – Sewing, Fabric, Services (Not Elsewhere Classified)
Notions, Needlework,

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Piece Goods
Yarn Shops

5950 Glassware/Crystal Stores

Merchants classified with this MCC sell glassware, China, Crystal Stores 5719 – Miscellaneous Home
china and crystal tableware, and glass, china, or Crystal Stores Furnishing Specialty Stores
crystal gift items.
Cut Glass, Crystal

5960 Direct Marketing – Insurance Services

Merchants classified with this MCC sell insurance via Automobile Insurance – 6300 – Insurance Sales, Underwriting,
direct mail, billing statement stuffers, and magazine or Sales (Direct Marketing) and Premiums
television ads, all of which include either a toll-free Insurance Services –
telephone number or an address to which prospective Direct Marketing
customers may respond. Services – Insurance,
Direct Marketing

5962 Direct Marketing – Travel-Related Arrangement Services

Merchants classified with this MCC sell travel-related Services – Direct 4722 – Travel Agencies and Tour
services (including discount travel clubs or Marketing Travel- Operators
newsletters) via outbound telemarketing calls, Related Arrangement 4789 – Transportation Services (Not
mailings, magazine or television ads, or other direct Services Elsewhere Classified)
marketing methods that include either a toll-free Telemarketing Travel-
telephone number or an address to which prospective Related Arrangement
customers may respond. Services (Excluding
Travel Agencies)
Travel Clubs (Direct
Marketing)
Travel-Related
Arrangement Services-
Direct Marketing

5963 Door-To-Door Sales

Merchants classified with this MCC sell a variety of

products by means of house-to-house visits.

5964 Direct Marketing – Catalog Merchant

5965 – Direct Marketing –

Merchants classified with this MCC sell a variety of
Combination Catalog and Retail
goods via catalogs and offer no means by which
Merchant
customers may purchase products in a face-to-face
manner.

5965 Direct Marketing – Combination Catalog and Retail Merchant

Merchants classified with this MCC sell a variety of 5964 – Direct Marketing – Catalog
goods via catalog and one or more retail outlets. MCC Merchant
5965 is used for goods sold via catalog, while the
MCC relevant to what is sold in the retail outlets is
used for goods sold in the retail outlets.

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5966 Direct Marketing – Outbound Telemarketing Merchant

Merchants classified with this MCC sell a variety of

products using outbound telemarketing methods,
where the merchant initiates contact with prospective
buyers via telephone or mailing (other than a catalog)
that instructs the cardholder to contact the merchant.

This MCC excludes charitable organizations that

conduct outbound telemarketing.

5967 Direct Marketing – Inbound Teleservices Merchant

Adult Content 4816 – Computer Network Information

Merchants classified with this MCC sell information or
Audiotext Merchants Services
content services (or goods sold through the service)
that customers access via telephone or fax or over Videotext Merchants
the internet. Digital Content Merchants

5968 Direct Marketing – Continuity/Subscription Merchant

Merchants classified with this MCC sell subscription Magazine Subscription 4900 – Utilities – Electric, Gas,
products for delivery (such as book clubs, (Direct Mail Only) Water, Sanitary
collectibles, magazines/newspapers cosmetics, Direct Mail Merchants 5621 – Women’s Ready-to-Wear
food, clothing, “nutraceuticals”) via “direct” mail, Stores
email. apps, or salespeople. Merchants not
participating in direct marketing activities that 5499 – Miscellaneous Food Stores –
happen to offer recurring purchase transactions Convenience Stores and Specialty
should use the MCC that best describes their Markets
business instead. For example, Merchants providing 5969 – Direct Marketing – Other
the ongoing delivery of television/radio/streaming Direct Marketers (Not Elsewhere
content on a subscription basis must use MCC 4899 Classified)
5977 – Cosmetic Stores
Qualified merchants that “directly” sell subscriptions 6300 – Insurance Sales Underwriting
for digital goods or content may use MCC 5815, and Premiums
5816, 5817, or 5818. 7997 – Membership Clubs (Sports,
Recreation, Athletic), Country Clubs,
and Private Golf Courses .............

5969 Direct Marketing – Other Direct Marketers (Not Elsewhere Classified)

Merchants classified with this MCC sell products or Classified Ads – 7922 – Theatrical Producers (Except
services through a variety of direct response methods Newspaper (Via Direct Motion Pictures) and Ticket
that include an order form or an address and/or Marketing) Agencies
telephone number the customer may use to place an Ticket Agencies –
order by mail, telephone, or fax and that are not Direct Marketing
classified with a more specific MCC.

5970 Artist’s Supply and Craft Shops

Merchants classified with this MCC sell art and craft Supplies – Art, Crafts 5945 – Hobby, Toy, and Game Shops
materials, equipment and supplies used to create 5949 – Sewing, Needlework, Fabric
other items. and Piece Goods Stores

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5971 Art Dealers and Galleries

Merchants classified with this MCC sell artwork such 5970 – Artist’s Supply and Craft
as paintings, photographs, or sculpture. Shops
7333 – Commercial Photography, Art,
and Graphics

5972 Stamp and Coin Stores

Merchants classified with this MCC sell postage Numismatic Supplies 7399 – Business Services (Not
stamps and coins, and related accessories for the Philatelic Supplies Elsewhere Classified)
purpose of stamp collecting, coin collecting or Stamp Collecting 9402 – Postal Services – Government
investment. Only
Supplies – Numismatic,
Philatelic

5973 Religious Goods Stores

Merchants classified with this MCC sell religious 5942 – Book Stores
goods such as figurines, cards, devotion supplies,
pictures, books, and decorative items.

5975 Hearing Aids – Sales, Service, and Supply

Merchants classified with this MCC sell hearing aids Repairs – Hearing Aids, 7699 – Miscellaneous Repair Shops
and related supplies, and may also conduct repair Sales, Service, Supply, and Related Services
work. Stores
Service – Hearing Aids,
Supplies
Supplies – Hearing Aids,
Service, Supplies

5976 Orthopedic Goods – Prosthetic Devices

Merchants classified with this MCC sell a variety of Orthotics, Prosthetic, 7699 – Miscellaneous Repair Shops
prosthetic devices and orthopedic goods and Devices and Related Services
accessories, and may also conduct repair work. Prosthetic Devices

5977 Cosmetic Stores

Merchants classified with Make-Up Stores 5999 – Miscellaneous and Specialty

this MCC sell cosmetics. Retail Stores
7230 – Beauty and Barber Shops

5978 Typewriter Stores – Sales, Rentals, and Service

Merchants classified with this MCC sell, rent, or lease 5943 – Stationery Stores, Office and
typewriters, may also sell a limited selection of office School Supply Stores
supplies and equipment, and may also conduct repair 5999 – Miscellaneous and Specialty
work. Retail Stores
7699 – Miscellaneous Repair Shops
and Related Services

5983 Fuel Dealers – Fuel Oil, Wood, Coal, and Liquefied Petroleum

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Merchants classified with this MCC sell fuel oil, wood, Aviation Fuel 5541 – Service Stations (With or
coal, liquefied petroleum, aviation fuel, heating oil or Coal Dealers Without Ancillary Services)
gas propane for consumer use, and may also sell fuel Dealers – Fuel Dealers, 5542 – Automated Fuel Dispensers
for consumer use in automobiles. Fuel Oil, Wood, Coal,
Liquefied Petroleum
Home Heating Fuel Dealers
Liquefied Petroleum
Dealers
Oil Dealers
Propane Dealers
Wood Dealers

5992 Florists

Merchants classified with this MCC sell cut flowers, Balloon Bouquets 5261 – Nurseries and Lawn and
flower arrangements, and potted plants, and may also Flower Shops Garden Supply Stores
sell novelty items. Plant Store

5993 Cigar Stores and Stands

Merchants classified with this MCC sell tobacco, Pipe Shops 5999 – Miscellaneous and Specialty
cigarettes, electronic cigarettes, cigars, pipes, and Smoke Shops Retail Stores
smokers’ supplies. Tobacco Shops

5994 News Dealers and Newsstands

Merchants classified with this MCC sell newspapers, Dealers – Newspapers 5942 – Book Stores
magazines, journals, and other periodicals. Magazines (Newsstands) 5999 – Miscellaneous and Specialty
Newspapers Retail Stores
Periodicals (Newsstands)

5995 Pet Shops, Pet Foods and Supplies Stores

Merchants classified with this MCC sell domestic Animals 5999 – Miscellaneous and Specialty
pets, pet food, and pet supplies. Retail Stores

5996 Swimming Pools – Sales and Service

Merchants classified with this MCC sell home Hot Tubs, Spas – Sales, 1799 – Special Trade Contractors
swimming pools, spas, hot tubs, whirlpool baths, and Service, Supplies (Not Elsewhere Classified)
supplies, and may also provide installation and/or Services – Hot Tubs, Spas, 7699 – Miscellaneous Repair Shops
repair services. Sales, Service, Supplies and Related Services
Services – Swimming
Pools, Sales, Service,
Supplies
Supplies – Hot Tubs, Spas
Supplies – Swimming Pools

5997 Electric Razor Stores – Sales and Service

Merchants classified with this MCC sell electric razors 5999 – Miscellaneous and Specialty

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and may also provide repair services. Retail Stores

7699 – Miscellaneous Repair Shops
and Related Services

5998 Tent and Awning Shops

Merchants classified with this MCC sell tents and Awnings – Residential, 5941 – Sporting Goods Stores
awnings for home or business use, and may also Commercial 5999 – Miscellaneous and Specialty
provide repair services. Retail Stores
7699 – Miscellaneous Repair Shops
and Related Services

5999 Miscellaneous and Specialty Retail Shops

Merchants classified with this MCC sell unique or Ammunition Stores 4468 – Marinas, Marine Service,
specialized products that are not classified with a Atlas, Map Stores and Supplies
more specific MCC. Beauty Supply Stores 5499 – Miscellaneous Food Stores
Bottled and Distilled 5719 – Miscellaneous Home
Water Dealers Furnishing Specialty Stores
Collectibles, 5732 – Electronics Stores
Memorabilia Stores- 5940 – Bicycle Shops – Sales and
Sports and Hobby Service
Dealers – Ice 5941 – Sporting Goods Stores
Firearms, Ammunition 5948 – Luggage and Leather
Stores Goods Stores
Fireworks Stores 5993 – Cigar Stores and Stands
Frame Shops – 5995 – Pet Shops, Pet Foods and
Photograph, Poster Supplies Stores
Gravestones, 5998 – Tent and Awning Shops
Monuments – Sales, 7230 – Beauty and Barber Shops
Installation
7395 – Photofinishing Laboratories
Headstones, Monuments and Photo Developing
Ice Dealers 7699 – Miscellaneous Repair Shops
Magic Shops and Related Services
Map, Atlas Stores 7841 – DVD/Video Tape Rental
Monuments, Stores
Gravestones – Sales, 7999 – Recreation Services
Installation (Not Elsewhere Classified)
Party Supply Stores
Picture Frames, Framing
Shops
Specialty Retail Stores –
Miscellaneous
Sunglasses Stores
Supplies – Beauty Supply
Stores
Supplies – Party
Tombstones – Sales,
Installation
Trophy Sales

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6010 Financial Institutions – Manual Cash Disbursements

This MCC must be used for face-to-face cash Banks – Financial 6011 – Financial Institutions –
disbursements. Institutions – Manual Automated Cash Disbursements
Cash Disbursements 6012 – Financial Institutions –
Cash – Banks, Credit Merchandise, Services, and Debt
Unions, Financial Repayment
Institutions 6051 – Non-Financial Institutions –
Credit Unions – Financial Foreign Currency, Non-Fiat
Institutions – Manual Currency (for example:
Cash Disbursements Cryptocurrency), Money Orders (Not
Deposits – Financial Money Transfer), Account Funding
Institutions (not Stored Value Load), Travelers
Manual Cash Cheques, and Debt Repayment
Disbursements
Savings and Loans –
Financial Institutions –
Manual Cash
Disbursements
Travelers Cheques
(Financial Institutions)
Cash

6011 Financial Institutions – Automated Cash Disbursements

This MCC must be used only for cash disbursements ATM Cash – 6010 – Financial Institutions – Manual
at automated teller machines (ATMs) owned, leased, Disbursements Cash Disbursements
controlled, or sponsored by banks, savings and loans, Cash - ATM 6051 – Non-Financial Institutions –
thrifts, and credit unions. Foreign Currency, Non-Fiat
Currency (for example:
Cryptocurrency), Money Orders (Not
Money Transfer), Account Funding
(not Stored Value Load), Travelers
Cheques, and Debt Repayment

6012 Financial Institutions – Merchandise, Services, and Debt Repayment

This MCC must be used by Financial Institutions for Account Funding – 6010 – Financial Institutions – Manual
the purchase of merchandise or services or the Financial Institution Cash Disbursements
repayment of loans & debts. “Financial Institution” Banks – Financial 6011 – Financial Institutions –
includes banks, savings and loans, thrifts, and credit Institutions – Automated Cash Disbursements
unions. For example: the purchase of checks, other Merchandise, Services 6211 – Security Brokers/Dealers
financial products, or promotional merchandise, Credit Unions – Financial
deposits, the funding of an account, the purchase or Institutions –
reload of a stored value card, the purchase of foreign Merchandise, Services
currency, non-fiat currency (for example:
Deposits – Financial
cryptocurrency), money orders (a negotiable paper
Institutions
based remittance – not a Money Transfer), travelers
cheques, and loan fees or financial counseling service Merchandise, Services –
fees. This MCC must also be used for the repayment Financial Institutions
of a debt, loan, or credit card balance by a cardholder Mortgage Companies –
to the financial institution. Financial Institutions
Purchase of Foreign
A Financial Institution that sells non-fiat currency such currency, non-fiat

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as cryptocurrency must use MCC 6012 and currency (for example,

processing code 11 in the authorization message, cryptocurrency), money
and contain the Special Condition indicator in the orders (Not Money
clearing message for those transactions. Transfer) and Travelers
Cheques – Financial
Institution
Loan Payments –
Financial Institution
Savings and Loans –
Financial Institutions –
Merchandise, Services
Services – Banks, Credit
Unions, Financial
Institutions (Non-Cash)
Stored Value Card

6051 Non-Financial Institutions – Foreign Currency, Non-Fiat Currency (for example: Cryptocurrency), Money Orders (Not Money
Transfer), Account Funding (not Stored Value Load), Travelers Cheques, and Debt Repayment

This MCC must be used for the funding of an account Account Funding – 6010 – Financial Institutions – Manual
(excluding prepaid card loads), the purchase of (Non-Financial Institutions) Cash Disbursements
foreign currency, non-fiat currency (for example: Currency – Non-Fiat (for 6012 – Financial Institutions –
cryptocurrency), money orders, or travelers cheques example: Cryptocurrency) Merchandise, Services, and Debt
that occurs at non-Financial Institutions such as Currency – Foreign (Non- Repayment
currency exchanges or money order (a negotiable Financial Institutions)
paper based remittance – not a Money Transfer)
Exchange – Foreign
merchants.
Currency (Non-Financial
Institutions)
This MCC must also be used for the repayment of a Foreign Currency (Non-
loan or debt if the entity that holds the debt is not a Financial Institutions)
financial institution.
Lease Payments
Loan Payments
A merchant that sells non-fiat currency such as
Money – Foreign Currency
cryptocurrency must use MCC 6051 and processing
(Non-Financial Institutions)
code 11 in the authorization message, and contain
the Special Condition indicator in the clearing Money Orders – Not Money
message for those transactions. All other transactions Transfer (Non-Financial
at the same merchant location must use the Institutions)
appropriate MCC for those transactions. Mortgage Companies
– (Non-Financial
Institutions)
Services – Money Order,
Travelers Cheques,
Foreign Exchange (Non-
Financial Institutions)
Travelers Cheques
(Financial Institutions)
Travelers Cheques
(Non-Financial Institutions)

6211 Security Brokers/Dealers

Merchants classified with this MCC are licensed, in all Bond Dealers 6010 – Financial Institutions – Manual
jurisdictions they sell into to buy, sell and broker Brokers – Securities, Cash Disbursements

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securities, stocks, bonds, commodities, and mutual Mutual Funds, Stocks, 6012 – Financial Institutions –
funds. Commodities, Bonds Merchandise, Services, and Debt
Commodity Dealers Repayment
Dealers – Securities,
Mutual Funds, Stocks,
Commodities, Bonds
Foreign Currency Purchase
Licensed Foreign Exchange
Trading
Binary Options
Investment Firms –
Dealers, Brokers
Mutual Funds Brokers
Stock Brokers

6300 Insurance Sales, Underwriting, and Premiums

Merchants classified with this MCC sell personal or Automobile Insurance – 5960 – Direct Marketing – Insurance
business insurance policies such as automobile, life, Sales (Non-Direct Services
health, hospital, medical, and dental insurance, Marketing)
homeowners’ and renters’ insurance, real estate title Health Insurance – Sales
insurance, pet health insurance and flood, fire, or Homeowners Insurance –
earthquake insurance. Sales
Life Insurance – Sales
Medical Insurance – Sales
Product Warranties

6513 Real Estate Agents and Managers

This MCC must be used for the payment of Apartment Rentals 6012 – Financial Institutions –
management fees, rental commissions, rental Commercial Property Merchandise, Services, and Debt
payments, and other payments at real estate agents, Rentals Repayment
brokers, and managers engaged in the rental and Homeowner/Condo 7012 – Timeshares
management of residential and commercial Association Fees/Dues 7011 – Lodging – Hotels, Motels,
properties. This MCC should also be used for Resorts, Central Reservation
Housing Rentals
payments of deposits for real estate purchases Systems (Not Elsewhere Classified)
Property Rentals
Short term rentals (of less than one month) must be Real Estate Agents 8999 – Professional Services (Not
included in MCC 7011 Lodging – Hotels, Motels, Elsewhere Classified)
Brokers, Managers –
Resorts, Central Reservation Services (Not
Rentals
Elsewhere Classified) or, if appropriate, the
merchant’s MCC. Rental Services –
Residential and
This MCC does not include mortgage loan payments Commercial Properties
and real estate purchases. These transactions must Residential Rentals
be identified with a more appropriate MCC such as
Service – Residential and
MCC 6012 Financial Institutions – Merchandise and
Commercial Properties
Services; MCC 1520 General Contractors; MCC 8111
Rentals
Legal Services and Attorneys.

6540 Non-Financial Institutions – Stored Value Card Purchase/Load

This MCC must be used by merchants whose primary Account Funding – (Non- 6012 – Financial Institutions –
business is the sale of and/or any subsequent reloads Financial Institutions) Merchandise, Services, and Debt

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of stored value cards/accounts (including Visa Stored Value Card/Load Repayment

Prepaid Cards) occurring at non-financial institutions. (Non-Financial Institutions)
This MCC is not applicable for use with Staged Digital Stored Value Wallet/Load
Wallet Operators (SDWO) (Non-Financial Institutions)

7011 Lodging – Hotels, Motels, Resorts, Central Reservation Services (Not Elsewhere Classified)

Merchants classified with this MCC are lodging Bed & Breakfast 6513 – Real Estate Agents and
establishments or central reservation services that do Establishments Managers – Rentals
not have their own specific MCC. Central Reservation
MCC 7011 may include, bed and breakfast Services
establishments, resorts, cabins, cottages, hostels, Hotels (Not Listed in
short-term property rentals less than 30 days in T&E Section)
length, and local inns. Inns (Not Listed in
T&E Section)
Lodging Establishments
(Not Listed in T&E
Section)
Motels (Not Listed in
T&E Section)
Resorts (Not Listed in
T&E Section)
Services – Central
Reservation, Lodging

7012 Timeshares

Merchants classified with this MCC sell, lease, and 7011 – Lodging – Hotels, Motels,
rent timeshares and arrange timeshare condominium Resorts, Central Reservation
exchanges. Services (Not Elsewhere Classified)

7032 Sporting and Recreational Camps

Merchants classified with this MCC operate children’s Boys’ Camps 7033 – Trailer Parks and
camps, recreational camps, and sporting camps. Camps – Boys’, Girls’ Campgrounds
Camps – Sporting, 7999 – Recreation Services (Not
Recreational Elsewhere Classified)
Children’s Camps
Girls’ Camps
Recreational, Sporting
Camps
Nudist Camps
Dude Ranches

7033 Trailer Parks and Campgrounds

Merchants classified with this MCC provide overnight 7032 – Sporting and Recreational
or short-term camp sites for recreational vehicles, Camps
trailers, campers, or tents. 7999 – Recreation Services (Not
Elsewhere Classified)

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7210 Laundry, Cleaning, and Garment Services

Merchants classified with this MCC operate steam or Diaper Services 7211 – Laundries – Family and
other types of laundries or laundry services. Garment Services Commercial
Services – Laundry, 7216 – Dry Cleaners
Cleaning, Garment
Services

7211 Laundries – Family and Commercial

Merchants classified with this MCC provide coin- Laundromats 7210 – Laundry, Cleaning, and
operated or similar self-service washers and dryers Garment Services
for general consumer use and may also offer laundry 7216 – Dry Cleaners
services.

7216 Dry Cleaners

Merchants classified with this MCC perform dry Services – Dry Cleaning 7210 – Laundry, Cleaning, and
cleaning services for individuals or businesses and Garment Services
may offer limited alteration services. 7211 – Laundries – Family and
Commercial

7217 Carpet and Upholstery Cleaning

Merchants classified with this MCC clean carpets, Drapery Cleaning 7641 – Furniture – Reupholstery,
drapes, and upholstery. Repair, and Refinishing

7221 Photographic Studios

Merchants classified with this MCC perform still or Photographers – Wedding 7395 – Photofinishing Laboratories
video portrait photography for the general public. Portrait Studios and Photo Developing
Wedding Photographers

7230 Beauty and Barber Shops

Merchants classified with this MCC provide personal Beauty Salons 7298 – Health and Beauty Spas .....
hair care services such as hair cutting, styling, and Fingernail Salons 7299 – Miscellaneous Personal
coloring, and may also perform manicures and Hair Cutting Services (Not Elsewhere Classified)
pedicures and sell a limited selection of hair care
Hair Salon
products.
Hair Styling
Hairdressers
Make-up Studios
Manicurists
Nail Salons
Salons – Hair, Beauty
Salons – Nail

7251 Shoe Repair Shops, Shoe Shine Parlors, and Hat Cleaning Shops

Merchants classified with this MCC repair footwear Hat Cleaning Shops 7299 – Miscellaneous Personal
and provide shoe and hat cleaning and maintenance Shoe Shine Shops, Stands Services (Not Elsewhere Classified)
services. Repairs – Shoe Repair 7699 – Miscellaneous Repair Shops
and Related Services

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Shops

7261 Funeral Services and Crematories

Merchants classified with this MCC are mortuaries, Mortuaries 7299 – Miscellaneous Personal
crematories, and funeral homes that provide burial Services (Not Elsewhere Classified)
Morticians
preparation services, conduct funerals, and provide Undertakers
cremation services.

7273 Dating Services

Merchants classified with this MCC provide dating Escort Services 7299 – Miscellaneous Personal
and escort services, including online services. Services – Dating, Escort Services (Not Elsewhere Classified)
Online Dating Services

7276 Tax Preparation Services

Merchants classified with this MCC provide income Services – Tax Preparation 8931 – Accounting, Auditing, and
tax return preparation services but do not provide Bookkeeping Services
auditing, accounting, or bookkeeping services. 8999 – Professional Services(Not
Elsewhere Classified)

7277 Counseling Services – Debt, Marriage, and Personal

Merchants classified with this MCC provide a variety Alcohol, Drug Abuse 8111 – Legal Services and Attorneys
of personal counseling services, such as debt and Counseling 8999 – Professional Services (Not
financial counseling, marriage counseling, family Credit Counseling Elsewhere Classified)
counseling, and alcohol and drug abuse counseling. Debt Counseling
Drug, Alcohol Abuse
Counseling
Family Counseling
Financial Counseling
Service
Marriage Counseling
Personal Counseling
Services – Counseling –
Debt, Marriage, Personal
Services – Financial
Counseling

7278 Buying and Shopping Services and Clubs

Merchants classified with this MCC act as an Personal Shopper 7299 – Miscellaneous Personal
intermediary to facilitate buying and shopping for Services – Services (Not Elsewhere Classified)
individuals or businesses on a fee basis. Buying/Shopping 7399 – Business Services
Services, Clubs (Not Elsewhere Classified)
Shopping Services

7296 Clothing Rental – Costumes, Uniforms, Formal Wear

Merchants classified with this MCC rent costumes, Apparel – Clothing Rental 5137– Men’s, Women’s, and
uniforms, formal wear, and other types of apparel and – Costumes, Formal Children’s Uniforms and Commercial
related accessories. Wear, Uniforms Clothing

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Costume Rental 7299 – Miscellaneous Personal

Formal Wear Rental Services (Not Elsewhere Classified)
Rentals – Clothing –
Costumes, Formal Wear,
Uniforms
Rentals – Costume
Rentals – Tuxedo, Formal
Wear
Rentals – Uniforms
Tuxedo, Formal Wear
Rentals
Uniforms Rental

7297 Massage Parlors

Merchants classified with this MCC specialize in 7298 – Health and Beauty Spas
providing therapeutic massage services, and may 7299 – Miscellaneous Personal
also provide other personal services such as spa Services (Not Elsewhere Classified)
treatments and rent saunas or hot tubs for customer
use.

7298 Health and Beauty Spas

Merchants classified with this MCC provide a variety Tanning Salons 7011 – Lodging – Hotel, Motels,
of personal or therapeutic services such as facials, Resorts, Central Reservation
massages, mud baths, herbal wraps, tanning Services (Not Elsewhere Classified)
treatments, whirlpools, steam baths, and hair and 7297 – Massage Parlors
makeup styling, and instructional classes. 7299 – Miscellaneous Personal
Services (Not Elsewhere Classified)

7299 Miscellaneous Personal Services (Not Elsewhere Classified)

Merchants classified with this MCC provide personal Animal Boarding Services 7230 – Beauty and Barber Shops
services that are not classified with a more specific Animal Breeders 7251 – Shoe Repair Shops, Shoe
MCC. Animal Grooming Services Shine Parlors, and Hat Cleaning
Animal Training Shops
Apartment Rental Services 7261 – Funeral Services and
Crematories
Boarding Services – Animal
7273 – Dating Services
Body Piercing, Tattoo
Parlors 7276 – Tax Preparation Services ...
Breeders – Animals 7277 – Counseling Services – Debt,
Marriage, and Personal
Dog Grooming Services
7278 – Buying and Shopping Services
Dog Training
and Clubs
Horse Boarding Services
7296 – Clothing Rental – Costumes,
Housing – Rental Services Uniforms, Formal Wear
Kennels – Animal 7297 – Massage Parlors
Pet Grooming Services 7298 – Health and Beauty Spas
Services – Animal Boarding
Services – Miscellaneous
Other Services –

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Miscellaneous
Personal Services – Pet
Grooming
Services – Water Filtration,
Purification,
Softening Treatments
Stables – Animal
Tattoo, Body Piercing
Parlors
Taxidermists
Wedding Chapels /
Planning

7311 Advertising Services

Merchants classified with this MCC prepare Ad Agencies 8999 – Professional Services (Not
advertising (writing copy, artwork, graphics, and other Agencies – Advertising Elsewhere Classified)
creative work) and place such advertising and/or Classified Ads –
samples in periodicals, newspapers, radio and Newspaper
television, on the internet, in the sky, or other
Services – Advertising
advertising media for clients on a contract or fee
basis.

7321 Consumer Credit Reporting Agencies

Merchants classified with this MCC provide consumer 7399 – Business Services (Not
credit reporting services such as credit investigation, Elsewhere Classified)
credit clearinghouses, and other related services.

7333 Commercial Photography, Art, and Graphics

Merchants classified with this MCC provide Commercial Artists 7221 – Photography Studios
commercial art or graphic design services for Film Production 8999 – Professional Services (Not
advertising agencies, publishers, and other Graphics – Commercial Elsewhere Classified)
businesses.
Silk Screening

7338 Quick Copy, Reproduction, and Blueprinting Services

Merchants classified with this MCC reproduce and Photocopying Services 7395 – Photofinishing Laboratories
bind text, drawings, plans, maps, or other copy, by Reproduction Services and Photo Developing
blueprinting, photocopying, or other methods of Services – Quick Copy, 5943 – Stationery Stores, Office and
duplication. Reproduction School Supply Stores

7339 Stenographic and Secretarial Support

Merchants classified with this MCC provide a range of Services – Word 7361 – Employment Agencies and
stenographic and secretarial services such as word Processing Temporary Help Services
processing, typing, editing, letter writing, proofreading, Word Processing Services 7399 – Business Services (Not
resume writing, and court reporting services. Elsewhere Classified)

7342 Exterminating and Disinfecting Services

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Merchants classified with this MCC provide pest Exterminators 7349 – Cleaning, Maintenance, and
control, extermination, fumigation, and disinfection Pest Control Janitorial Services
services.

7349 Cleaning, Maintenance, and Janitorial Services

Merchants classified with this MCC provide cleaning House Cleaning Services 7342 – Exterminating and Disinfecting
and maintenance services. Housekeeping Services Services
Maintenance Services
Services – Housekeeping

7361 Employment Agencies and Temporary Help Services

Merchants classified with this MCC provide Temporary Employment 7399 – Business Services (Not
employment services for those seeing employees or Agencies Elsewhere Classified)
employment.

7372 Computer Programming, Data Processing, and Integrated Systems Design Services

Merchants classified with this MCC provide computer Computer Software Design 5734 – Computer Software Stores
programming services, systems design, website Systems Design – 7379 – Computer Maintenance,
design, data entry, and data processing services. Computer Repair and Services (Not Elsewhere
Classified)
7399 – Business Services (Not
Elsewhere Classified)
8999 – Professional Services (Not
Elsewhere Classified)

7375 Information Retrieval Services

Merchants classified with this MCC are business-to- 7321 – Consumer Credit Reporting
business or wholesale provisioners of online or Agencies21
database information retrieval services. 7392 – Management, Consulting, and
Public Relations Services
7399 – Business Services (Not
Elsewhere Classified)

7379 Computer Maintenance, Repair and Services (Not Elsewhere Classified)

Merchants classified with this MCC provide computer- 5045 – Computers and Computer
related services such as computer consulting, Peripheral Equipment and Software
database development, computer maintenance and 5732 – Electronics Stores
repair, conversion services, and computer 5734 – Computer Software Stores
requirements analysis.
7372 – Computer Programming,
Data Processing, and Integrated
Systems Design Services
7629 – Electrical and Small Appliance
Repair Shops

7392 Management, Consulting, and Public Relations Services

Merchants classified with this MCC perform a variety Consultants – Management 7399 – Business Services (Not
of activities for private, nonprofit, and public Consultants – Marketing Elsewhere Classified)

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organizations, such as strategic and organizational Consultants – Public 8999 – Professional Services (Not
planning, financial planning and budgeting, Relations Elsewhere Classified)
developing marketing objectives, information systems Consulting, Management
planning, development of human resource policies, Services
and public relations services.
Management Consultants
Marketing Consultants
Public Relations Services
Services – Management,
Consulting, Public
Relations

7393 Detective Agencies, Protective Services, and Security Services, including Armored Cars, and Guard Dogs

Merchants classified with this MCC provide security Alarm Systems, Services 7399 – Business Services (Not
devices/systems and services such as security guard, Armored Cars Elsewhere Classified)
protective, and armored car services and investigative Burglar Alarm Companies 8111 – Legal Services and Attorneys
services. – Home/Business 8999 – Professional Services (Not
Security Elsewhere Classified)
Fire Alarm Companies –
Home/Business Security
Guard Dogs
Home Security Systems
Private Investigators
Protective Services
Security Services,
Protective Services,
Detective Agencies
Security Systems
Services – Armored Car
Services – Detective
Agencies
Services – Guard Dog
Services – Protective
Services – Security
Surveillance Systems,
Services

7394 Equipment, Tool, Furniture, and Appliance Rental and Leasing

Merchants classified with this MCC rent and lease Appliance Rental 4457 – Boat Rentals and Leasing
equipment, tools, furniture, appliances, and office Furniture Rental 5978 – Typewriter Stores – Sales
equipment, excluding typewriters. Leasing Services – Rentals, and Service
Equipment 7296 – Clothing Rental – Costumes,
Rentals – Appliance Uniforms, Formal Wear
Rentals – Equipment 7513 – Truck and Utility Trailer
Rentals – Furniture Rentals

Rentals – Tools 7519 – Motor Home and Recreational

Vehicle Rentals
Services – Equipment
Rental, Leasing 7841 – DVD/Video Tape Rental
Stores

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7395 Photofinishing Laboratories and Photo Developing

Merchants classified with this MCC develop film, Film Developing 5044 – Photographic, Photocopy,
make photographic prints and enlargements, and Microfilm Equipment and Supplies
provide custom services, and may also sell a limited 5946 – Camera and Photographic
selection of photographic supplies and accessories. Supply Stores
7221 – Photographic Studios
7333 – Commercial Photography,
Art, and Graphics

7399 Business Services (Not Elsewhere Classified)

Merchants classified with this MCC provide business Answering Services – 4215 – Courier Services – Air and
services that are not typically considered to be Telephone Ground, and Freight Forwarders
“professions” and are not classified with a more Conference Management 7299 – Miscellaneous Personal
specific MCC. Services Services (Not Elsewhere Classified)
Convention Bureaus 7311 – Advertising Services
Keys – Locksmith 7338 – Quick Copy, Reproduction,
Language, Translation and Blueprinting Services
Services 7393 – Detective Agencies, Protective
Locksmith Services, and Security Services,
Mail, Packing Stores, including Armored Cars, and Guard
Services Dogs

Meeting Planning Services 7999 – Recreation Services (Not

Elsewhere Classified)
Message, Paging Services
Packing, Mailing Services
Paging, Message Service
Centers
Postal Services – Non-
Government
Publishing Companies
Seminar Planning Services
Services – Telephone
Answering
Services – Trade Show
Arrangement
Services – Translation,
Language
Telephone Answering
Services
Tourist Information Bureaus
Trade Show Arrangement
Services
Translation Services
Video-Conferencing
Services

7512 Automobile Rental Agency

Merchants classified with this MCC are car rental Car Rentals 7513 – Truck and Utility Trailer
agencies that do not have designated unique MCCs. Rentals

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This also includes car-sharing schemes (known as 7519 – Motor Home and Recreational
“car-clubs” in the UK) Vehicle Rentals

7513 Truck and Utility Trailer Rentals

Merchants classified with this MCC provide short-term Leasing Services – Trucks, 7394 – Equipment, Tool, Furniture,
rental or long-term leasing of trucks, vans, or utility Utility Trailers and Appliance Rental and Leasing
trailers. 7512 – Automobile Rental Agency
7519 – Motor Home and Recreational
Vehicle Rentals

7519 Motor Home and Recreational Vehicle Rentals

Merchants classified with this MCC rent motor homes, 4457 – Boat Rentals and Leasing
RVs, campers, tent trailers, and other recreational 7513 – Truck and Utility Trailer
vehicles on daily, short-term, or extended-term basis. Rentals
7999 – Recreation Services (Not
Elsewhere Classified)

7523 Parking Lots, Parking Meters and Garages

Merchants classified with this MCC provide temporary Parking Garages

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

7531 Automotive Body Repair Shops

Merchants classified with this MCC perform Car Body Repair Shops 7534 – Tire Retreading and Repair
automotive body repair work and may paint Auto Body Shops Shops
automobiles in conjunction with body repair work. 7535 – Automotive Paint Shops .....
7538 – Automotive Service Shops
(Non-Dealer) 38

7534 Tire Retreading and Repair Shops

Merchants classified with this MCC sell, install, repair, Car Tires – Retreads 5532 – Automotive Tire Stores
or retread old tires. Repairs – Tire Retreading, 7531 – Automotive Body Repair
Repair Shops Shops
7535 – Automotive Paint Shops .....
7538 – Automotive Service Shops
(Non-Dealer)

7535 Automotive Paint Shops

Merchants classified with this MCC paint, refinish, and Car Paint Shops 7531 – Automotive Body Repair
restore automobiles. Shops
7538 – Automotive Service Shops
(Non-Dealer)

7538 Automotive Service Shops (Non-Dealer)

Merchants classified with this MCC conduct Automotive Glass Repair/ 5541 – Service Stations (with or
automotive repairs and general or specific services.   Replacement without Ancillary Services)
Car Service Shops 7531 – Automotive Body Repair

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Lube Stations – Quick Stop Shops

Muffler Shops 7534 – Tire Retreading and Repair
Oil Changers – Lube Shops
Stations 7535 – Automotive Paint Shops
Repairs – Automotive 7542 – Car Washes
Service Shops 7549 – Towing Services
Tune-Up Shops –
Automotive
Wheel Alignment,
Balancing, Repair Service
– Automotive

7542 Car Washes

Merchants classified with this MCC wash, wax, and Auto Detailing 5541 – Service Stations (With or
polish automobiles or provide self-service facilities. Automotive Cleaning, Without Ancillary Services)
Waxing 7538 – Automotive Service Shops
Cleaning, Polishing – (Non-Dealer)
Automotive

7549 Towing Services

Merchants classified with this MCC provide vehicle 5935 – Wrecking and Salvage
towing services. Yards

7622 Electronics Repair Shops

Merchants classified with this MCC repair electronics Radio, Television, Stereo, 7629 – Electrical and Small Appliance
(excluding appliances) such as radios, televisions, Electronics Repair Shops Repair Shops
stereo equipment, and computers. Repairs – Radio, 7699 – Miscellaneous Repair Shops
Television, Stereo, and Related Services
Electronics
Services – Television,
Radio, Stereo, Electronics
Stereo Repair Shops
Television Repair Shops

7623 Air Conditioning and Refrigeration Repair Shops

Merchants classified with this MCC service and repair Refrigeration Repair Shops 7629 – Electrical and Small
household and commercial air conditioning and Repairs – Air Conditioning, Appliance Repair Shops
refrigeration systems. Refrigeration Repair 7699 – Miscellaneous Repair Shops
Shops and Related Services

7629 Electrical and Small Appliance Repair Shops

Merchants classified with this MCC service and repair Repairs – Office Machines 5978 – Typewriter Stores – Sales,
household and commercial electrical components, Rentals, and Service
small appliances (such as microwaves, toaster ovens, 7622 – Electronics Repair Shops ...
and toasters), and electrical office machines, 7623 – Air Conditioning and
excluding typewriters. Refrigeration Repair Shops
7699 – Miscellaneous Repair Shops

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and Related Services

7631 Watch, Clock and Jewelry Repair

Merchants classified with this MCC clean and repair 5944 – Jewelry Stores, Watches,
all types of watches, clocks, and fine jewelry. Clocks, and Silverware Stores

7641 Furniture – Reupholstery, Repair, and Refinishing

Merchants classified with this MCC reupholster, Furniture Repair, 5712 – Furniture, Home Furnishings
repair, refinish, and restore furniture. Reupholstery and Equipment Stores, Except
Refinishing – Furniture Appliances
Repair, Reupholstery
Repairs – Reupholstery,
Furniture Repair,
Furniture Refinishing
Services – Reupholstery,
Furniture Repair,
Furniture Refinishing

7692 Welding Services

Merchants classified with this MCC perform welding Services – Welding Repair 1799 – Special Trade Contractors
services and repair. (Not Elsewhere Classified)

7699 Miscellaneous Repair Shops and Related Services

Merchants classified with this MCC provide service Chimney Cleaning Service 7531 – Automotive Body Repair
and repair work and are not classified with a more Furnace Cleaning Service Shops
specific MCC. Machine Shops 7534 – Tire Retreading and Repair
Services – Chimney Shops
Cleaning 7538 – Automotive Service Shops
Services – Furnace (Non-Dealer)
Cleaning 7622 – Electronics Repair Shops
Services – Large Appliance 7623 – Air Conditioning and
Repair Refrigeration Repair Shops
Services – Bicycle Repair 7629 – Electrical and Small
Services – Orthopedic Appliance Repair Shops
Device Repair 7631 – Watch, Clock and Jewelry
Repair
7641 – Furniture – Reupholstery,
Repair, and Refinishing
7692 – Welding Services

7800 Government-Owned Lotteries (US Region only)

Merchants classified with this MCC are government- 7801 – Government Licensed On-
owned lotteries in the US Region that are registered Line Casinos (On-Line Gambling)
with Visa to sell lottery tickets.

7801 Government Licensed On-Line Casinos (On-Line Gambling) (US Region only)

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Merchants classified with this MCC are licensed by a 7800 – Government-Owned Lotteries
US government entity (and/or sanctioned and
regulated by applicable legislation) and registered
with Visa to sell virtual gambling chips or offer online
gambling.

7802 Government-Licensed Horse/Dog Racing (US Region only)

Merchants classified with this MCC are licensed by a

US government entity (and/or sanctioned and
regulated by applicable legislation) and registered
with Visa to sell on- or off-track wagers at horse- or
dog-racing facilities.

7829 Motion Picture and Video Tape Production and Distribution

Merchants classified with this MCC are business-to- Distributor – Motion 7399 – Business Services (Not
business or wholesale producers and distributors of Picture, Video Tape Elsewhere Classified)
educational and industrial films and videos for Production, Distribution 7841 – DVD/Video Tape Rental
exhibition and sale. Educational, Training Film Stores
Production 8999 – Professional Services (Not
Film Production, Elsewhere Classified)
Distribution
Motion Picture, Video Tape
Production, Distribution
TV Commercial Production
Training, Educational Film
Production
Video Tape, Motion Picture
Production, Distribution

7832 Motion Picture Theaters

Merchants classified with this MCC operate movie Cinemas 7841 – DVD/Video Tape Rental
theaters and sell tickets and refreshments, or sell Entertainment – Movie Stores
movie tickets online. Theaters 7922 – Theatrical Producers (Except
Films – Movie Theaters Motion Pictures) and Ticket
Movie Theaters Agencies

7841 DVD/Video Tape Rental Stores

Merchants classified with this MCC rent DVDs/video Rentals – DVD/Video 7829 – Motion Picture and Video
tapes for personal use and may sell a limited Tape Stores Tape Production and Distribution
selection of used videos/DVDs and refreshments.

7911 Dance Halls, Studios and Schools

Merchants classified with this MCC operate dance Ballet Schools 7922 – Theatrical Producers (Except
studios, schools, and public dance halls or ballrooms. Ballroom Dance Instruction Motion Pictures) and Ticket
Dance Schools Agencies

Schools – Ballroom Dance 7999 – Recreation Services (Not

Instruction Elsewhere Classified)

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Studios – Dance

7922 Ticket Agencies and Theatrical Producers (Except Motion Pictures)

Merchants classified with this MCC operate live Agencies – Ticket, 7832 – Motion Picture Theaters
theatrical productions (such as road companies and Theatrical Producers 7911 – Dance Halls, Studios and
summer theater groups) and services associated with Performing Arts Schools
theatrical productions and concerts (such as casting Companies – Theatrical 7929 – Bands, Orchestras, and
agencies, booking agencies, scenery, lighting, and Producers – Theatrical Miscellaneous Entertainers (Not
other equipment services, and theatrical ticket Elsewhere Classified)
Production Agencies –
agencies).
Theatrical
Ticket Agencies

7929 Bands, Orchestras, and Miscellaneous Entertainers (Not Elsewhere Classified)

Merchants classified with this MCC provide DJs

entertainment other than theatrical productions (such Dance Bands
as musicians, bands, orchestras, and other types of Magicians
entertainers such as comedians and magicians).
Music Bands
Musicians

7932 Billiard and Pool Establishments

Merchants classified with this MCC operate Billiard Parlors 7999 – Recreation Services (Not
establishments that rent the use of pool or billiard Snooker Parlors Elsewhere Classified)
tables and other games for entertainment.

7933 Bowling Alleys

Merchants classified with this MCC operate bowling 5812 – Eating Places and
alleys for entertainment. Restaurants
5813 – Drinking Places (Alcoholic
Beverages) – Bars, Taverns,
Nightclubs, Cocktail Lounges, and
Discotheques
7999 – Recreation Services (Not
Elsewhere Classified)

7941 Commercial Sports, Professional Sports Clubs, Athletic Fields, and Sports Promoters

Merchants classified with this MCC operate and Arenas – Sports 7999 – Recreation Services (Not
promote semiprofessional and professional athletic Athletic Fields Elsewhere Classified)
clubs (such as baseball, basketball, football, hockey, Automotive Race Tracks
soccer), promote amateur and professional athletic – Non-Participatory
events, manage individual athletes, and manage
Clubs – Professional Sports
sports areas and stadiums.
Professional Sports Clubs
Promoters – Sporting
Events
Race Tracks – Entrance
Fee, Non-Betting
Transactions

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Sports Promoters
Stadiums

7991 Tourist Attractions and Exhibits

Merchants classified with this MCC operate a variety Arboretums 5971 – Art Dealers and Galleries
of tourist attractions and exhibits for entertainment, Art Museums 7996 – Amusement Parks, Circuses,
such as botanical gardens, craft shows, museums, Botanical Gardens Carnivals, and Fortune Tellers
and wineries. 7998 – Aquariums, Seaquariums,
Exhibits
Expositions Dolphinariums, and Zoos

Gardens – Botanical 7999 – Recreation Services (Not

Elsewhere Classified)
Museums
Wineries

7992 Public Golf Courses

Merchants classified with this MCC operate public golf 7997 – Membership Clubs (Sports,
courses. Recreation, Athletic), Country
Clubs, and Private Golf Courses

7993 Video Amusement Game Supplies

Merchants classified with this MCC sell coin-operated 7994 – Video Game
amusement machines such as video game machines, Arcades/Establishments
jukeboxes, pinball machines, slot machines,
mechanical games, instant photograph booths, and
similar types of amusement equipment and game
supplies. Merchants that operate video and game
arcades for public use must be classified with MCC
7994 – Video Game Arcades/Establishments.

7994 Video Game Arcades/Establishments

Merchants classified with this MCC operate arcades, Social casinos not offering 7993 – Video Amusement and Game
amusement machines (such as video game any prizes of monetary Supplies
machines, jukeboxes, pinball machines, mechanical value 7995 – Betting, including Lottery
games, instant photograph booths, and similar types Tickets, Casino Gaming Chips, Off-
of amusement equipment). Track Betting, Wagers at Race
Tracks and games of chance to win
prizes of monetary value
7999 – Recreation Services (Not
Elsewhere Classified)

7995 Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, Wagers at Race Tracks and games of chance to
win prizes of monetary value

Merchants classified with this MCC operate games Betting – Casino Gaming 7800 – Government-Owned Lottery
of chance to win prizes of monetary value or betting Chips 7801 – Government-Licensed On-
establishments. Betting – Lottery Tickets Line Casinos (On-Line Gambling)
Merchants that are unable to distinguish a betting 7802 – Government-Licensed
Betting – Off-Track
transaction from other transactions, must identify all Horse/Dog Racing
Betting – Wagers
transactions with MCC 7995.
Bingo Parlors
Raffle Tickets

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

Unlicensed Foreign
Exchange Trading or Binary
Options
Sweepstakes

7996 Amusement Parks, Circuses, Carnivals, and Fortune Tellers

Merchants classified with this MCC operate circuses, County Fairs 7991 – Tourist Attractions and
carnivals, and amusement and theme parks that offer Fairs Exhibits
mechanical rides, snacks and food stands, games, Mystics 7999 – Recreation Services (Not
animal exhibits, and entertainment, as well as fortune- Elsewhere Classified)
Tarot Readings
telling, astrology, mystic, and tarot card-reading
services. State Fairs

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

Merchants classified with this MCC operate sports Athletic Clubs – Physical 7297 – Massage Parlors
and recreation facilities that require membership such Fitness 7298 – Health and Beauty Spas .....
as exercise, athletic and health clubs, country clubs, Boating Clubs 7992 – Public Golf Courses
private golf courses, boating and yacht clubs, Clubs – Boating
swimming clubs, tennis clubs, bowling leagues, riding
Clubs – Gun
clubs, shooting and gun clubs, and racquetball clubs,
and may also provide spa services Clubs – Racquetball
Clubs – Sailing
Clubs – Sports
Clubs – Tennis
Clubs – Yacht
Country Clubs
Exercise Clubs
Fitness Clubs
Golf Courses – Private
Gun Clubs
Health Clubs
Private Golf Courses
Racquetball Clubs
Sailing Clubs
Sports Clubs
Tennis Clubs
Yacht Clubs

7998 Aquariums, Seaquariums, Dolphinariums, and Zoos

Merchants classified with this MCC operate zoos or Sea Life Parks 7991 – Tourist Attractions and
sea life parks for entertainment and education for the Exhibits
general public.

7999 Recreation Services (Not Elsewhere Classified)

Merchants classified with this MCC provide a wide Aircraft Rentals 4457 – Boat Rentals and Leasing
variety of recreation and entertainment services that Ballooning 7032 – Sporting and Recreational
require active physical participation and that are not Batting Cages Camps

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

classified with a more specific MCC. Bicycle Rentals including 7033 – Trailer Parks and
electric scooters Campgrounds
Fishing/Hunting Licenses 7298 – Health and Beauty Spas
Games Instruction 7519 – Motor Home and Recreational
Golf – Driving Ranges Vehicle Rentals
Horseback Riding 7932 – Billiard and Pool
Instruction – Games Establishments
Miniature Golf 7933 – Bowling Alleys
Motorcycle Rentals 7941 – Commercial Sports,
Professional Sports Clubs, Athletic
Parachuting
Fields, and Sports Promoters
Pools – Public Swimming
7991 – Tourist Attractions and
Public Swimming Pools Exhibits
Recreational Services – 7992 – Public Golf Courses
Aircraft Rentals
7994 – Video Game
Recreational Services – Arcades/Establishments
Driving Ranges
7996 – Amusement Parks, Circuses,
Recreational Services – Carnivals, and Fortune Tellers
Miniature Golf
7997 – Membership Clubs (Sports,
Recreational Services – Recreation, Athletic), Country Clubs,
Public Swimming Pools and Private Golf Courses
Recreational Services – 7998 – Aquariums, Seaquariums,
Ski Slopes Dolphinariums, and Zoos
Recreational Services –
Sport, Games Instruction
Rentals – Aircraft
Resorts – Ski
Roller Skating Rinks
Services – Recreation
Shooting Ranges
Ski Slopes
Sky Diving
Sports Instruction
Swimming Pools – Public

8011 Doctors and Physicians (Not Elsewhere Classified)

Merchants classified with this MCC are licensed Cosmetic Surgeons 8021 – Dentists and Orthodontists
physicians engaged in a practice of general or Dermatologists 8031 – Osteopaths
specialized medicine and surgery that is not classified Gynecologists 8041 – Chiropractors
with a more specific MCC.
Medical Professionals – 8042 – Optometrists and
Doctors Ophthalmologists
Neurologists 8043 – Opticians, Optical Goods,
Obstetricians and Eyeglasses
Orthopedists 8049 – Podiatrists and Chiropodists
Pediatricians 8099 – Medical Services and Health
Physicians Practitioners (Not Elsewhere
Classified)
Plastic Surgeons
Psychiatrists
Radiologists

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

Surgeons

8021 Dentists and Orthodontists

Merchants classified with this MCC are licensed 8011 – Doctors and Physicians (Not
physicians that practice general or specialized Elsewhere Classified)
dentistry such as dental surgery. 8099 – Medical Services and Health
Practitioners (Not Elsewhere
Classified)

8031 Osteopaths

Merchants classified with this MCC provide therapy 8011 – Doctors and Physicians (Not
involving the non-surgical manipulation and Elsewhere Classified)
adjustment of bone structures. 8041 – Chiropractors
8099 – Medical Services and Health
Practitioners (Not Elsewhere
Classified)

8041 Chiropractors

Merchants classified with this MCC provide therapy in 8011 – Doctors and Physicians (Not
which the spinal column and limbs are manipulated or Elsewhere Classified)
adjusted. 8031 – Osteopaths
8099 – Medical Services and Health
Practitioners (Not Elsewhere
Classified)

8042 Optometrists and Ophthalmologists

Merchants classified with this MCC are licensed Eye Doctors 8011 – Doctors and Physicians (Not
physicians that examine and treat eye defects with Elsewhere Classified)
corrective eyeglasses or contacts or surgical 8043 – Opticians, Optical Goods,
techniques, treat eye diseases, and may fill contact or and Eyeglasses
eyeglass prescriptions and sell eyeglass frames. 8099 – Medical Services and Health
Practitioners (Not Elsewhere
Classified)

8043 Opticians, Optical Goods, and Eyeglasses

Merchants classified with this MCC perform eye Eyeglass Stores 8011 – Doctors and Physicians
examinations, write prescriptions, make and sell (Not Elsewhere Classified)
eyeglasses, and sell other optical goods. 8042 – Optometrists and
Ophthalmologists
8099 – Medical Services and Health
Practitioners (Not Elsewhere
Classified)

8049 Podiatrists and Chiropodists

Merchants classified with this MCC are licensed Doctors – Chiropodists, 8011 – Doctors and Physicians (Not
physicians specializing in diagnosing and treating foot Podiatrists Elsewhere Classified)
ailments. Foot Doctors 8099 – Medical Services and Health
Medical Professionals – Practitioners (Not Elsewhere

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

Podiatrists Classified)
Podiatrists

8050 Nursing and Personal Care Facilities

Merchants classified with this MCC provide inpatient Convalescent Homes 8062 – Hospitals
nursing and health-related personal care services and Elder Housing
operate convalescent/nursing homes, hospice Hospice Facilities
facilities, and other long-term care facilities that
Nursing Homes
generally do not offer surgery.
Rest Homes
Elder Care

8062 Hospitals

Merchants classified with this MCC are hospitals that 0742 – Veterinary Services
provide diagnostic services, extensive medical 8050 – Nursing and Personal Care
treatment, surgery, continuous nursing services, Facilities
mental and psychiatric care, and other hospital
services.

8071 Medical and Dental Laboratories

Merchants classified with this MCC provide medical 8011 – Doctors and Physicians (Not
and dental laboratory services. Elsewhere Classified)
8021 – Dentists and Orthodontists

8099 Medical Services and Health Practitioners (Not Elsewhere Classified)

Merchants classified with this MCC are medical Blood Banks 8011 – Doctors and Physicians (Not
professionals that are not classified with a more Chemical Dependency Elsewhere Classified)
specific MCC. Treatment Centers 8021 – Dentists and Orthodontists
Fertility Clinics 8031 – Osteopaths
Hair Replacements – 8041 – Chiropractors
Surgical 8042 – Optometrists and
Health Practitioners, Ophthalmologists
Medical Services 8043 – Opticians, Optical Goods,
Hearing Testing Services and Eyeglasses
Massage – Therapeutic 8049 – Podiatrists and Chiropodists
Medical Professionals – 8050 – Nursing and Personal Care
Medical Services, Health Facilities
Practitioners 8062 – Hospitals
Mental Health 8071 – Medical and Dental
Practitioners Laboratories
Physical Therapists
Psychiatrists
Psychologists
Services – Medical
Services, Health
Practitioners
Sports Medicine Clinics
Therapists

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

8111 Legal Services and Attorneys

Merchants classified with this MCC are headed by Attorneys 7277 – Counseling Services – Debt,
members of the bar and provide legal advice and Law Offices Marriage, and Personal
services. Lawyers

8211 Elementary and Secondary Schools

Merchants classified with this MCC are elementary Grade Schools 8220 – Colleges, Universities,
and secondary schools that provide academic Grammar Schools Professional Schools, and Junior
instruction. High Schools Colleges

Middle Schools 8241 – Correspondence Schools

Schools – Kindergartens 8244 – Business and Secretarial
Schools
8249 – Vocational and Trade Schools
8299 – Schools and Educational
Services (Not Elsewhere Classified)
8351 – Child Care Services

8220 Colleges, Universities, Professional Schools, and Junior Colleges

Merchants classified with this MCC are community Community Colleges 8211 – Elementary and Secondary
and junior colleges, universities, theological Graduate Schools Schools
seminaries and professional schools (such as dental, 8241 – Correspondence Schools
law, engineering, medical) that provide academic 8244 – Business and Secretarial
courses and grant academic degrees. Schools
8249 – Vocational and Trade
Schools
8299 – Schools and Educational
Services (Not Elsewhere Classified)

8241 Correspondence Schools

Merchants classified with this MCC are 8299 – Schools and Educational
correspondence schools that offer educational and Services (Not Elsewhere Classified)
instruction through the mail/internet by sending
lessons and examinations to the student.

8244 Business and Secretarial Schools

Merchants classified with this MCC are business and Computer Training 8249 – Vocational and Trade Schools
secretarial schools that offer general business training 8299 – Schools and Educational
such as, office procedures, word processing, Services (Not Elsewhere Classified)
stenographic, and other clerical skills.

8249 Vocational and Trade Schools

Merchants classified with this MCC offer training and Technical Institutes 8244 – Business and Secretarial
instruction in specialized professions such as welding, Schools
mechanics, carpentry, real estate, and truck driving. 8299 – Schools and Educational
Services (Not Elsewhere Classified)
8241 – Correspondence Schools ...

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

8299 Schools and Educational Services (Not Elsewhere Classified)

Merchants classified with this MCC offer educational Art Schools 7911 – Dance Halls, Studios and
courses and services that are not classified with a Automobile Driving Schools
more specific MCC. Instruction 8211 – Elementary and Secondary
Aviation Instruction Schools
Cooking Schools 8220 – Colleges, Universities,
Culinary Instruction Professional Schools, and Junior
Colleges
Driver Education Class,
School 8241 – Correspondence Schools
Flying Instruction 8244 – Business and Secretarial
Schools
Job Training Services
8249 – Vocational and Trade Schools
Karate Schools
Modeling Schools
Schools – Art
Schools – Automobile
Driving Instruction
Schools – Cooking
Schools – Flying Instruction
Schools – Karate
Schools – Modeling
Services – Job Training
Services – Schools,
Educational Services
Traffic School

8351 Child Care Services

Merchants classified with this MCC provide care for Babysitting Services 8299 – Schools and Educational
infants or children. Children – Day Care Services (Not Elsewhere Classified)
Services
Day Care Services
Nannies
Nursery Schools
Preschool Centers
Day Care Services

8398 Charitable Social Service Organizations

Merchants classified with this MCC are non-political Fund-Raising Organizations 5931 – Used Merchandise and
fund-raising organizations engaged in soliciting – Non-Political Secondhand Stores
charitable donations/contributions on behalf of Organizations – Non- 8641 – Civic, Social, and Fraternal
organizations engaged in social welfare services, or Political Associations
social service organizations engaged in social welfare Public Radio, Television 8651 – Political Organizations
services.
Crowd Funding Merchants 8661 – Religious Organizations
8675 – Automobile Associations
This MCC also includes crowd funding merchants that
8699 – Membership
accept donations on behalf of individuals raising
Organizations(Not Elsewhere
money for various causes without receiving any
Classified)
perceived or actual financial benefit for doing so.

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

8641 Civic, Social, and Fraternal Associations

Merchants classified with this MCC are associations Alumni/Alumnae 8398 – Charitable Social Service
engaged in civic, social, or fraternal activities. Associations Organizations
Associations – Civic, Social, 8651 – Political Organizations
Fraternal Associations 8661 – Religious Organizations
Chambers of Commerce 8675 – Automobile Associations
Fraternal Associations 8699 – Membership Organizations
Fund-Raising – Political (Not Elsewhere Classified)
Police Athletic Leagues
(PAL)
Social Associations, Clubs
Veterans’ Organizations

8651 Political Organizations

Merchants classified with this MCC are membership Political Fundraising 8398 – Charitable Social Service
organizations that promote the interests of or raise Organizations
funds for a national, state, or local political party or 8641 – Civic, Social, and Fraternal
candidate. Associations
8661 – Religious Organizations
8675 – Automobile Associations
8699 – Membership Organizations
(Not Elsewhere Classified)

8661 Religious Organizations

Merchants classified with this MCC are religious Chapels 8398 – Charitable Social Service
organizations that provide worship services, religious Churches Organizations
training or study, or religious activities. Mosques 8641 – Civic, Social, and Fraternal
Synagogues Associations
Temples 8699 – Membership Organizations
(Not Elsewhere Classified)

8675 Automobile Associations

Merchants classified with this MCC are automobile Automobile Club 8699 – Membership Organizations
associations and clubs that provide a variety of travel- (Not Elsewhere Classified)
related services to its members.

8699 Membership Organizations (Not Elsewhere Classified)

Merchants classified with this MCC are organizations Art Clubs 7997 – Membership Clubs (Sports,
or associations that are not classified with a more Historical Clubs Recreation, Athletic), Country Clubs,
specific MCC. Labor Unions and Private Golf Courses

Organizations – 8398 – Charitable Social Service

Membership Organizations
Organizations 8641 – Civic, Social, and Fraternal
Poetry Clubs Associations

Professional Organizations 8651 – Political Organizations

Tenant Associations 8661 – Religious Organizations
Condominium Associations 8675 – Automobile Associations

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

HOAs
Unions – Labor

8734 Testing Laboratories (Non-Medical Testing)

Merchants classified with this MCC provide testing Food Testing Services 8071 – Medical and Dental
services (such as automobile testing, calibration and Forensic Laboratories Laboratories
certification, food testing, forensic testing, product and Pollution Testing
pollution testing, and industrial X-ray inspection
Product Testing
services).
Laboratories
Veterinary Testing
Laboratories

8911 Architectural, Engineering, and Surveying Services

Merchants classified with this MCC provide 1520 – General Contractors –

professional architectural, home and building design, Residential and Commercial
boat design, and engineering, land, water, and aerial 1799 – Special Trade Contractors
surveying services. (Not Elsewhere Classified)
8999 – Professional Services (Not
Elsewhere Classified)

8931 Accounting, Auditing, and Bookkeeping Services

Merchants classified with this MCC provide 7276 – Tax Preparation Services
accounting, bookkeeping, billing and payroll services, 8111 – Legal Services and Attorneys
and other related auditing services, and may also 8999 – Professional Services
provide income tax preparation services. (Not Elsewhere Classified)

8999 Professional Services (Not Elsewhere Classified)

Merchants classified with this MCC provide Appraisers 6211 – Security Brokers/Dealers
professional services that are not classified with a Auction Houses 6300 – Insurance Sales, Underwriting,
more specific MCC. Brokers – Mortgage, Loan and Premiums
Court Stenographer 7012 – Timeshares
Financial Planners 7276 – Tax Preparation Services
Graphic Designers 7277 – Counseling Services – Debt,
Guest Speakers, Lecturers Marriage, and Personal

Lecturers 7311 – Advertising Services

Market Research Firms 7321 – Consumer Credit Reporting
Agencies
Mortgage Brokers
7361 – Employment Agencies and
Property Appraisers
Temporary Help Services
Public Speakers
7392 – Management, Consulting,
Real Estate Appraisers and Public Relations Services
Research Firms 7393 – Detective Agencies,
Protective Services, and Security
Services, including Armored Cars,
and Guard Dogs
8111 – Legal Services and Attorneys
8911 – Architectural, Engineering,
and Surveying Services

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

8931 – Accounting, Auditing, and

Bookkeeping Services

9211 Court Costs, Including Alimony and Child Support

Merchants classified with this MCC are local, state, 9222 – Fines
and federal courts of law that administer and process 9399 – Government Services
court fees, alimony, and child support payments. (Not Elsewhere Classified)

9222 Fines

Merchants classified with this MCC are government Community Assessed 9211 – Court Costs, Including
entities that administer and process local, state, and Penalties Alimony and Child Support
federal fines and penalties, motor vehicle violations, Motor Vehicle Violations 9399 – Government Services-
and community- or property-assessed fines. (Not Elsewhere Classified)

9223 Bail and Bond Payments

Merchants classified with this MCC post bail to the

court system as security for the appearance of the
arraigned individual.

9311 Tax Payments

Merchants classified with this MCC are local, state, Customs Bureaus 9399 – Government Services (Not
and federal entities that engage in financial Elsewhere Classified)
administration and taxation including collection of
taxes and penalties and custody and disbursement of
funds.

9399 Government Services (Not Elsewhere Classified)

Merchants classified with this MCC are government DMV 4784 – Tolls and Bridge Fees
entities that provide general support services to Department of Motor 7523 – Parking Lots, Parking Meters
government and communities are not classified with a Vehicles and Garages
more specific MCC. 7992 – Public Golf Courses
Fire Departments
Libraries
Parks and Recreation
Police Departments

9402 Postal Services – Government Only

Merchants classified with this MCC are government 7399 – Business Services (Not
postal offices that provide a variety of services such Elsewhere Classified).
as accepting and processing packages and mail for 9399– Government Services (Not
delivery and selling postage stamps. Elsewhere Classified)

9405 U.S. Federal Government Agencies or Departments

Merchants classified with this MCC process U.S. federal

government transactions using an acquiring BIN
associated with the Intra-Government Transfers
(IGOTS) program.

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MCC Title/
MCC MCC Description Included in this MCC Similar Merchants

9406 Government-Owned Lotteries (Non-U.S. region)

Merchants classified with this MCC are government- 7800 – Government-Owned Lotteries
owned lotteries that are registered with Visa to sell (US Region Only)
lottery tickets 7995 – Betting, including Lottery
Tickets, Casino Gaming Chips, Off-
Track Betting, and Wages at Race
tracks

9702 Emergency Services (GCAS) (Visa use only)

This MCC is used only by Visa to enable members and

processors to identify emergency transactions from the
Global Customer Assistance Services (GCAS).

9950 Intra-Company Purchases

Merchants classified with this MCC process

purchasing card transactions representing internal
unit-to-unit transfers of goods and services.

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Section 3: New MCC or MCC Change Requests

To request a new MCC or changes to an existing MCC, members must submit to Visa a
completed Visa Merchant Category Code Request Form, which is available on Visa Online.
Visa will notify the member when a decision is made. If approved, the new MCC will be
included in the next edition of the Visa Merchant Data Standards Manual.

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