Merchant Category Codes (MCC)

A merchant category code (MCC) is a four-digit classification code used to describe a merchant’s business type, transaction type, or business name. For example, MCC 0742 is used for any merchant providing veterinary services. Other MCCs are used by a single business, such as 3000 for United Airlines. 

If a merchant sells multiple items or services, the MCC will describe the item or service that has the highest annual sales volume.

MCCs are managed by the card brands and assigned by the acquirer when the merchant account is created.

Examples include:

  • 4131 – Bus Lines
  • 5072 – Hardware Equipment and Supplies
  • 5139 – Commercial Footwear
  • 8651- Political Organizations
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