MCC Lookup Tool

Determine your MCC in a few clicks

Complete this form to discover your Merchant Category Code (MCC) and find out if it is classified as a high risk MCC or not.

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Merchant Category Code (MCC): Everything you need to know

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If you accept credit and debit card payments, understanding your Merchant Category Code (MCC) is essential. MCC codes affect your transaction fees, risk profile, reporting obligations, and even your eligibility with payment processors and acquiring banks.

This guide breaks down everything you need to know about MCCs, including how they’re assigned, why they matter, and tips for accurate classification.

What is an MCC?

A Merchant Category Code (MCC) is a four-digit number assigned to merchants by acquiring banks when a merchant account is created. This code categorizes your business based on the goods or services you offer and is recognized by payment networks like Visa and Mastercard.

For example:

  • Restaurants
    MCC code 5812
  • Online Gambling
    MCC code 7995 (Classified as High-risk)

Who assigns MCCs?

MCCs are assigned by your acquiring bank, following guidelines set by card networks such as Visa and Mastercard. While these guidelines are clear, assigning the right MCC often involves judgment by the acquirer. Misclassification - whether accidental or intentional - can lead to serious consequences, including penalties or disrupted payment processing.

Why do MCC codes matter?

MCCs influence several critical aspects of your business operations. Here’s how they impact you:

  1. Interchange Fee calculation
    MCCs determine interchange fees, the amounts paid to card-issuing banks for transaction processing. Certain MCCs also trigger additional fees. For example, Dating Services (MCC 7273) require an initial non-refundable registration fee and annual renewal fees.
  2. Risk Assessment
    Acquirers use MCCs to evaluate your business risk. High-risk businesses, like online trading platforms (MCC code 6211) face higher fees and stricter scrutiny due to chargeback and fraud risks. Some MCCs are restricted to acquirers with specialized licenses, and others are outright prohibited by mainstream processors.
  3. Reporting Requirements
    Certain MCCs have special reporting. For instance, adult merchants (MCC 5967) require compliance with specific regulatory standards and additional oversight.
  4. Rewards
    Credit card issuers rely on MCCs to calculate eligibility for cashback, points, or other rewards tied to purchases.
  5. Spending restrictions
    Issuing banks use MCCs to manage spending limits or block transactions.

How to determine your MCC?

To identify your MCC, consider these options:

  • Contact your acquiring bank
    ‍    They assign your MCC and can provide confirmation.
  • Refer to payment network classification lists
    Visa, Mastercard, and others publish MCC guidelines.
  • Use an MCC lookup tool
    ‍    Tools like ours make it easy to find and verify your MCC.

Tips for accurate MCC assignment

  • Primary Business Activity
    The MCC should reflect your main business activity. For businesses with multiple revenue streams, use the MCC for the activity with the highest sales volume or Consider assigning separate MCCs for distinct lines of business.
  • Avoid Misclassification
    Only use “miscellaneous” MCCs (typically ending in ‘99’) when no other code applies.
  • Consult Your Acquirer
    Ensure clarity when discussing your business model to avoid potential misclassification. The more information you provide, the better the classification will be.
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Understanding your Merchant Category Code is crucial for managing transaction costs, compliance, and risk.

By identifying your MCC accurately and leveraging tools like our lookup service, you can simplify your business operations and avoid unnecessary challenges.

‍Try our MCC Lookup Tool now.