Visa Merchant Data Standards Manual

Visa Supplemental Requirements

APRIL 2025

© 2025 Visa. All Rights Reserved.

April 2025
 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.

April 2025
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 include the following new MCC has been created:

MCC 3169 – RIYADH AIR

The following amendments were also incorporated to facilitate easier merchant designation and classification:

Various updates have been included to support greater transparency into non-fiat currency (for example:
Cryptocurrency) and non-fungible token (NFT) transactions, and to support Visa’s new Ramp Provider program.

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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 ............................................................................................................. 9
Determining Merchant Category Codes ..................................................................................................17
General Requirements...................................................................................................................17
Mandatory Multiple MCCs .............................................................................................................19
Section 2: Merchant Category Code Listing .......................................................................................... 23
Section 3: New MCC or MCC Change Requests ................................................................................. 107

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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,
Marketplace location (including city, state, and country formats) and Ramp Provider
location.
• 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 transactions.
General
Correct use helps to minimize copy requests resulting from unrecognizable Merchant
requirements 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, If an entity handles payments on behalf of sellers through an online marketplace that
Marketplaces and brings together multiple buyers and sellers it may be classified as a Marketplace.
Ramp Providers An entity is a Payment Facilitator if it deposits transactions or receives settlement on
behalf of the Merchant but does not sell goods or services to cardholders and cannot
otherwise be categorized as a Marketplace.

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An entity is a Ramp Provider if it provides payment services to convert transactions from

a fiat currency to a non-fiat currency (for example: cryptocurrency), or vice versa. A Ramp
Provider may sell non-fiat currency to Cardholders directly or provide their services under
a contract to Conversion Affiliates.
In determining whether an entity is a Merchant, Payment Facilitator, Marketplace or Ramp
Provider 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. Corriedale 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

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Merchant Data Standards Manual Section 1: Merchant Data Requirements

has a referral agreement. Sellers may choose their own Acquirer or a different Payment
Facilitator.

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.

Ramp Provider (1)

Ramp Provider X is a Ramp Provider that allows cardholders to use their Visa card to
acquire Bitcoin (BTC). After having their identity verified, Cardholders are then able to
input their card information and provide instructions for where the BTC should be
delivered (i.e., their digital Wallet Address). Ramp Provider X facilitates conversion of the
fiat currency from the Cardholder’s card into BTC and sending of the BTC to the
Destination Wallet Address provided by the Cardholder. The Cardholder now has Bitcoin
in their digital wallet to use for whatever they choose.

Ramp Provider (2)

Ramp Provider Y is a Ramp Provider that allows cardholders to use their Visa card to pay
for items on NFTMarketplace.com, an affiliate website which prices its NFTs in Ethereum
(ETH) instead of fiat currency (e.g., US Dollars). After having their identify verified,
Cardholders are then able to input their card information and provide instructions for
where the NFT Z should be delivered (i.e., their Digital Wallet Address). Ramp Provider
Y facilitates conversion of the transaction from the fiat currency from the Cardholder’s
card into ETH, sends the ETH to NFTMarketplace.com and then NFTMarketplace.com
sends the NFT Z to the Destination Wallet Address provided by the Cardholder.

Note: All example names are fictitious.

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 below.
Merchant Name
Note: even for the categories set out below, supplementary data is not permitted if it
Information for
makes the content of the Merchant name field confusing or counter to other requirements

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Merchant Data Standards Manual Section 1: Merchant Data Requirements

Specific (such as abbreviation requirements). In some cases, the Merchant name may not be
Transactions 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

A Ramp Provider transaction that contains the Ramp Provider and Conversion
Ramp Provider Affiliate identifiers must populate the Merchant name field with a combination of
both the Affiliate and Ramp Provider name, using (i) the name of the Ramp Provider
(or an abbreviation), (ii) followed by an asterisk (*), and (iii) the Affiliate name (e.g.
Ramp Provider*Affiliate Name).
If a Cardholder accesses the website and/or application of a high-integrity risk
Affiliate and is then linked or forwarded to the website and/or application of a high-
risk Ramp Provider for payment, the name of the high-risk Ramp Provider must Required
appear in the Merchant name field in conjunction with the name of the high-integrity
risk Affiliate.
The Ramp Provider name can only appear on its own when it's operating as a
merchant i.e., selling currency directly to a self-custody wallet user. If it's processing
on behalf of another seller, the seller's name must be there and should follow PF
rules in this scenario.

After the Merchant name, may contain language to indicate that the recurring
For the first transaction is as a result of a subscription that began with a trial period, discounted
recurring introductory offer, promotional period, etc.
transaction at For example: in English, this may be any of the following:
the end of a
• “End Trial”
trial period,
• “End Offer”
discounted
• “End Free Trial”
introductory • “End Trial Period”
offer, or • “End Discount” Optional
promotional • Other similar language
period
Merchants may use other language or transaction-specific details (for example,
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:

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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 • An abbreviated airline (or US railway) name in the first 11 or 12 positions
or US • A blank in position 12 if applicable Required
passenger • Airline (or US railway) ticket identifier beginning position 13
railway ticket
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 likely
AFD 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 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 the
Services 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
• 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 0
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

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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 integrity risk

Merchant or a high integrity 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 integrity risk sponsored Merchant.

Acquirers must prohibit agents from utilizing dynamic Merchant descriptors for
Gambling Merchants.

Staged Digital For funding transactions, the Merchant name field must contain the name of the Required
Wallet 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 insert Required
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. An
Solution 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 The CBPS name must appear with the biller name. The CBPS name must be the Required
Payment Merchant name it registered with Visa. The complete name should appear. An
Servicer abbreviation may be used for long names, but it must be easily recognizable.
(CBPS)
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 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
Tipping When tips are given to the person receiving the tip (service staff) as a stand-alone Required
(Stand-alone Visa transaction, Cardholders are unlikely to remember the name of the person to
Transactions) whom they gave the tip or gratuity. The Merchant name field therefore must include
something the Cardholder recognizes such as the establishment where the person
receiving the tip works. The Merchant name field must also contain the word “Tip".
The name of the person receiving the tip is not required.

Note: These requirements only apply to tips paid directly to the tipped employee in
a stand-alone transaction where the tip represents the entire transaction amount.
Example 1: A tip is paid by a Visa cardholder using their Visa card to Alex, who
provided valet parking service to the cardholder at a golf club named “Famous Golf
Club.” The transaction is processed by a tipping solution provider named “NewTip”

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that does not act as, or work with, any payment facilitator. A compliant merchant
name field would be “Tip Famous Golf Club”.

Example 2: A tip is paid by a Visa cardholder using their Visa card to Alex, who
provided valet parking service to the cardholder at a golf club named “Famous Golf
Club.” The transaction is processed by a tipping solution provider named “NewPF,”
which acts as a payment facilitator. A compliant merchant name field would be
“NewPF* Tip Famous Golf Club”.

Example 3: A tip is paid by a Visa cardholder using their Visa card to a band named
“BestBand” that plays in several different places. The transaction is processed by a
tipping solution provider named “NewTip,” which acts as a payment facilitator. A
compliant merchant name field would be “NewTip* BestBand”.

Note: The requirement to use the word “tip” in the merchant name field is met by
the tipping solution provider’s name.

Example 4: A tip is paid by a Visa cardholder using their staged digital wallet named
“NewWallet,” funded by a Visa card, to a band named “BestBand” that plays in
several different places. The transaction is processed by a tipping solution provider
named “NewTip,” which does not act as, or work with, any payment facilitator. A
compliant merchant name field would be “NewWallet* Tip BestBand”.
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.

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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 considers additional factors. The cardholder is
Card-Absent
not present at the Merchant outlet when the transaction takes place, and the activities
Transactions 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.
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.

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• 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 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)
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 occur
Facilitators in each country.

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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 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.
(SDWO) 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 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.
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.

A Ramp Provider location must be the country of its principal place of business and
Ramp Providers may be an additional country or countries of all activities specified in the Visa rules
occur in each country.
Conversion Affiliates that sell goods or services via a qualifying Ramp Provider may
be located in a different country to the Ramp Provider. When that happens, the location
of the Ramp Provider must be used to process the transaction.

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Acquirers are responsible for ensuring their Marketplaces, Ramp Providers or Merchants
Other Location-
/ Sponsored Merchants undergo an adequate due-diligence review to establish the
Related correct Merchant outlet location.
Requirements
Visa reserves the right to dispute Marketplace or 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 Marketplaces, Ramp Provider or Merchants they sign
are legitimately located in their jurisdiction. Acquirers of card-absent Merchants should
look at additional factors (for which a Marketplace, Ramp Provider or 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 Marketplace, Ramp Provider or

Merchant / sponsored Merchant
• The country of domicile of the Marketplace, Ramp Provider or Merchant’s
sponsored Merchant’s Agent or Payment Facilitator
• The country1 most connected to the Marketplace’s, Ramp Provider’s or 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 country 2 of the tax authority in which the Marketplace, Ramp Provider or
Merchant assesses sales taxes.
• The legal jurisdiction of any laws to which the Marketplace, Ramp Provider or
Merchant is subject.
• The fixed address where the Marketplace’s, Ramp Provider’s or Merchant’s
executive officers direct, control, and coordinate the entity’s strategy, operations,
and activities, or of operational facilities where the Marketplace’s, Ramp Provider’s
or 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

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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must be the U.S.A., as it is both the principal place of business for the airline and the
place the journey begins.
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 Germany, 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. German law is the law of the contract, and the
company pays VAT in Germany on its European sales. The Netherlands office

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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 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
Germany. 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.
Example 10:
A Ramp Provider has its principal place of business in the U.S. It also has a
permanent location in Singapore. It's office in Singapore oversees the services
provided to customers in the AP region, including pricing decisions and unique
product options relevant to their local customers. The Ramp Provider has a
cryptocurrency license issued by the Singapore regulator, Singapore law is the law
of the contract between the Ramp Provider and its customers, and the Ramp
Provider pays taxes in Singapore. The Acquirer may assign Singapore as an
additional country location as it meets all of Visa's requirements for assigning an
additional Ramp Provider location.
Example 11:
A Ramp Provider has its principal place of business in Luxembourg. It processes
transactions on behalf of affiliated third-party cryptocurrency wallets, merchants &
NFT marketplaces in various countries, including Canada, Australia, Morocco,
Germany, Japan and South Africa. The only country that may be used as a
Merchant outlet location is Luxembourg, as that is the Ramp Provider’s principal
place of business; the location(s) of third-party affiliates are not relevant for
processing transactions

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

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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. If the Merchant chooses
to use its home country as the merchant country, the country where the embassy is
located must be in the Merchant City name field
• Card-Absent Transactions
Must contain the Merchant’s customer service telephone number, the Merchant’s
universal resource locator (URL) or internet/e-mail address
• 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
– 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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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.
Any transactions representing the purchase of Non-Fungible Tokens (NFTs) should use
the MCC appropriate for the type of item purchases or the Merchant’s primary business
as per Visa’s regular MCC assignment rules when permitted.

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 any of the following apply:
• 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

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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. 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.
7. For transactions via Ramp Providers, when the cardholder is purchasing non-fiat
currency (for example: cryptocurrency) directly from the Ramp Provider, MCC is
assigned after the Conversion Affiliate business has been evaluated (or use 6051
Non-Financial Institutions in the case of self-custody wallet load). If the cardholder
is paying a Ramp Provider’s Affiliate for goods/services, the MCC should be the
MCC appropriate for the type of item purchased or the Affiliate’s primary business
as per Visa’s regular MCC assignment rules, when permitted. Also, if the transaction
is on behalf of another High-Risk Merchant, then the MCC of that merchant must be
used (e.g. for loading a gambling wallet, MCC 7995 must be used and not 6051 as
the nature of the transaction is an intent to gamble not to purchase non-fiat currency)

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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, Liquid and Cryptocurrency Assets (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. Purchases of cryptocurrency
must use MCC 6012 or 6051, as applicable. They must also contain special
condition indicator 7 and the quasi-cash transaction indicator in the authorization
request and special condition indicator 7 in the clearing record. All other transactions
at the same Merchant location must use the appropriate MCC for those transactions.
Merchant Purchases of NFTs can and often do occur in fiat currency, and as such
do not require the use of the cryptocurrency Special Condition Indicator of 7 unless
the Visa transaction actually represents the purchase of the cryptocurrency that is
immediately used to purchase the NFT.
• 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:

– 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

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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 integrity

risk”
A Merchant that has multiple lines of business in the same location must assign a high
integrity risk MCC to the line of business that is considered high integrity risk and another
MCC to other businesses that are not considered high integrity risk. Current high integrity
risk MCCs are:
For all Card-Absent transactions using the following MCCs:
– 5122 (Drugs, Drug Proprietaries, Druggist Sundries)
1
– 5912 (Drug Stores, Pharmacies)

– 5966 (Direct Marketing – Outbound Telemarketing Merchants

– 5967 (Adult Content and Services )
1
– 5993 (Cigar Stores and Stands)

– 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 cyber lockers
or remote digital file-sharing services
- 6211 High Integrity Risk Financial Trading Platforms (card absent)
- 5968 Subscription “Negative Option” Merchants (card absent)
– 5816 (Digital Goods – Games), for Transactions involving skilled game wagering (for
example: daily fantasy sports)
– 6051 and 6012 Crypto Merchants: exchanges, wallet providers or on-ramp providers

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(card absent) with transactions required to use Special Condition Code 7

1 In the AP Region, Canada Region, CEMEA Region, Europe Region, LAC Region: Applies only if the Merchant conducts

transactions other than domestic transactions

Non-Fiat Currency Acquisitions

Acquisitions of non-fiat currency (example: cryptocurrency) must use MCC 4829, 6012, 6051, or
6540 as applicable. They must also contain the applicable special condition indicator, depending
on the type of non-fiat currency being acquired, in the authorization message and in the clearing
record. Purchases of NFTs require the use of the cryptocurrency special indicator (4).

•Ramp Provider: A Ramp Provider is a third party. Accordingly, it must evaluate the business of
every Conversion Affiliate and assign the MCC most appropriate to the Conversion Affiliate’s
business.

If a Merchant or marketplace sells more than one type of merchandise or has more than
Optional Multiple
one line of business, it must use the MCC that best describes the business with the
MCCs 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). Visa strongly recommends
that the MCCs assigned to Merchants are reviewed periodically to ensure accuracy in
order to limit potential compliance complaints

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

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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
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.
Example Seven:
A Cardholder wants to acquire Bitcoin (BTC). They visit a Ramp Provider directly
and use their Visa card. They acquire the Bitcoin which is sent to their crypto wallet.
The Ramp Provider must use MCC 6051 for the transaction as the transaction
involves the acquisition of non-fiat currency and the Ramp Provider is not a financial
institution. Another day, the Cardholder visits their bank's website with the intention
of acquiring a tokenized short-term bond. The bank acts as the Ramp Provider and
the Cardholder uses their Visa Card and acquires the tokenized bond. The bank
acting as the Ramp Provider must use MCC 6012 as the transaction involves the
acquisition of non-fiat currency and the bank is a financial institution.
Example Eight:
A Cardholder visits a Ramp Provider to acquire Solana (SOL). They use their Visa
card, acquire the Solana with intent to load a general-purpose crypto wallet. The
Ramp Provider must use MCC 6051 as the transaction involves the acquisition of
non-fiat currency and it is not a financial institution. Another day, the Cardholder
visits another Ramp Provider to acquire Ethereum with intent to gamble. The
Cardholder uses their Visa card with the Ramp Provider who has an Affiliate where
they send the Ethereum to in order to complete the Cardholder's transaction. The
Ramp Provider must use the MCC that best describes the Affiliate's primary
business as the Cardholder is paying the Affiliate for goods/services (e.g., in this
case MCC 7995)

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

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
Landscaping Services
garden services (e.g., planting, fertilizing, mowing, Garden Supply Stores
mulching, seeding, spraying, sod laying).

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
General Contractors 1740 – Masonry, Stonework, Tile
well as remodeling, repair, additions, or alterations.
Setting, Plastering and Insulation
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 Heating Contractors 5074 – Plumbing and Heating
air system balancing and testing, drainage system Equipment and Supplies
Plumbing Contractors
installation, furnace repair, irrigation system
1799 – Special Trade Contractors
installation, refrigeration and freezer work, sewer
(Not Elsewhere Classified)
hookups and connections, solar heating, sprinkler
system installation and water pump installation and

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

servicing.

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

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 Metal Residential and Commercial
work. This MCC includes contractors that perform 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.

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)

Merchants classified with this MCC are special trade Special Trade Contractors 1520 – General Contractors –
contractors that perform construction work not Decorating Contractors Residential and Commercial
covered with a more specific MCC. This MCC Demolition Services
includes contractors that perform jobs such as awning Contractors
installation, bathtub refinishing, fence construction,
Garage Door Installation
fire escape installation, house moving, home window
replacement, garage door installation, ornamental Glasswork Contractors

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

metal work, swimming pool construction, glasswork, Interior Decorators

well drilling, wallpaper services, and waterproofing. Window Replacement
Miscellaneous Special
Contractors
Painting Contractors -
Home, Building
Paper Hanging Contractors
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,
newsletters, directories, sheet music, paper patterns, and Blueprinting Services
technical manuals and papers, telephone directories
and yearbooks.

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 Typesetting Services and Printing
trade and those that make plates for printing 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
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

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

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 ITA AIRWAYS (FORMERLY ALITALIA) ITA AIRWAYS (FORMERLY 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
3019 EASTERN AIRLINES EASTERN AIR
3020 AIR-INDIA AIR-INDIA
3021 AIR ALGERIE AIR ALGERIE
3022 PHILIPPINE AIRLINES PAL AIR
3023 MEXICANA MEXICANA
3024 PAKISTAN INTERNATIONAL PAKISTAN AIR
3025 AIR NEW ZEALAND AIR NZ
3026 EMIRATES AIRLINES EMIRATES
3027 UTA/INTERAIR UTA AIRLINE
3028 KM MALTA AIRLINES (FORMERLY AIR MALTA) KMMA (FORMERLY 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

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

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
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
3070 FLYDUBAI FLYDUBAI
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

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

3080 SWOOP INC FLYSWOOP

3081 XIAMEN AIRLINES XIAMEN 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
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

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

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
3168 HAINAN AIRLINES HAINANAIR
3169 RIYADH AIR RIYADHAIR
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
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

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

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
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

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

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
3303 TIGERAIR TIGERAIR
CHINA SOUTHERN
3308 CHINA SOUTHERN AIRLINES

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

3360 SNAPPY CAR RENTAL

3361 AIRWAYS RENT-A-CAR

3362 ALTRA AUTO RENTAL

3364 AGENCY RENT-A-CAR

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

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

3420 ANSA INTL RENT-A-CAR

3421 ALLSTATE RENT-A-CAR

3423 AVCAR RENT-A-CAR

3425 AUTOMATE RENT-A-CAR

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

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

3509 MARRIOTT

3510 DAYS INNS

3511 ARABELLA HOTELS

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

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

3537 ANA HOTEL

3538 CONCORDE HOTELS

3539 SUMMERFIELD SUITES HOTELS

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

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

3566 GARDEN PLACE HOTEL

3567 SOHO GRAND HOTEL

3568 LADBROKE HOTELS

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

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

3594 ARIZONA BILTMORE

3595 HOSPITALITY INNS

3596 WYNN LAS VEGAS

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

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

3627 EXTENDED STAY AMERICA

3628 EXCALIBUR HOTEL AND CASINO

3629 DAN HOTELS

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

3630 TOKYU 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

3656 SARA HOTELS

3657 OBEROI HOTELS

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

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

3684 BUDGET HOST INNS

3685 BUDGETEL INNS

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

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)

3712 BUFFALO BILL’S HOTEL AND CASINO

3713 QUALITY PACIFIC HOTEL

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

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

3741 MILLENNIUM HOTELS

3742 CLUB MED

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

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

3756 TOYOKO INN

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

3770 SPRINGHILL SUITES

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

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

3798 EMBASSY VACATION RESORT

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

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 RADISSON

3830 PARK PLAZA HOTEL

3831 WALDORF

3832 CURIO HOTELS

3833 CANOPY

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

3834 BAYMONT INN & SUITES

3835 DOLCE HOTELS AND RESORTS

3836 HAWTHORN BY WYNDHAM

3837 HOSHINO RESORTS

3838 KIMPTON HOTELS

3839 KYORITSU HOTELS

3840 RIO HOTELS

4011 Railroads

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

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
Transportation – Commuter, Elsewhere Classified)
bus lines.
Local, Suburban Commuter
Passenger Transportation

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)
accommodations on the train during long distance
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 enroute to a hospital or 4789 – Transportation Services (Not
Ambulance Services –
medical provider. Elsewhere Classified)
Transportation

4121 Taxicabs and Limousines

Merchants classified with this MCC provide Cabs, Taxicabs, Limousines 4789 – Transportation Services (Not
transportation services by automobile and do not

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

operate on a regular schedule or established route. Transportation Elsewhere Classified)

This MCC includes ride-share Merchants. Services 4111 – Local and Suburban
Commuter Passenger Transport

4131 Bus Lines

Merchants classified with this MCC provide Coach Lines 4722 – Travel Agencies and Tour
passenger bus transportation services on a regular Transportation – Bus Lines Operators
schedule over predetermined routes. Not included are 4789 – Transportation Services (Not
charter and tour bus operators. 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, Trucking Ground, and Freight Forwarders.
also provide storage services. 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
Storage, Moving
Companies – 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, Courier Distance, Moving and Storage
(MCC 9402). Services Companies, and Local Delivery
Services
9402 – Postal Services – Government
Only

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 Public Warehousing Trucking – Local and Long Distance,
storage for perishable products, and storage for 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 Transportation,
waters for the purpose of vacation or pleasure. These 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.

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

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
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,
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
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 Travel Packages 4411 -- Steamship and Cruise Lines
a travel agent or directly to the consumer. Bus charters Travel Wholesalers 4511 – Airlines and Air Carriers (Not
and tour bus operators are included in this MCC. Elsewhere Classified)
4789 – Transportation Services (Not
Elsewhere Classified)
5962 – Direct Marketing – Travel
Related Arrangement Services

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

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 Transportation,
classified with a more specific MCC. This MCC Miscellaneous Transport Including Ferries
includes Merchants that provide transportation via Services 4112 – Passenger Railways
horse-drawn cabs and carriages, bicycle-taxis, aerial Shuttle Transportation 4121 – Taxicabs and Limousines
tramways, airport shuttles, and cable cars. Ferry
service, bus transportation, cruise lines, passenger 4131 – Bus Lines
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 Telecommunications Calls, Credit Card Calls, Calls
equipment related to telecommunications. Equipment Through Use of Magnetic Stripe
Pagers, Paging Equipment Reading Telephones, and Fax
Telephone Equipment Services
5732 – Electronics Stores

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

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

4816 Computer Network/Information Services

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

4821 Telegraph Services

Merchants classified with this MCC that provide Cablegrams 4814 – Telecommunication Services,
telegraph and other nonverbal message Cablegrams Services including Local and Long-Distance
communications services such as telegrams. Calls, Credit Card Calls, Calls
Telegraph Services
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, Liquid and
present and card-absent locations including on the Cryptocurrency Assets (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
A Merchant that transfers, Liquid and Cryptocurrency
Assets such as cryptocurrency must include all
required data in the authorization request and clearing
record. Bill Payments merchants (who are not eligible
and not registered in the CBPS Program) should be
assigned with this MCC.

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
Services – Pay Radio and
Satellite Services

4900 Utilities – Electric, Gas, Water, and Sanitary

Merchants classified with this MCC provide the Electric Utilities Services 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 Services
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 Services Telephones, and Fax

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

Waste Management Services

Services
Water Utilities

5013 Motor Vehicle Supplies and New Parts

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

5021 Office and Commercial Furniture....

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

5039 Construction Materials (Not Elsewhere Classified )

Merchants classified with this MCC are business-to- Supplies – Construction 1761 – Roofing, Siding, and Sheet
business or wholesale distributors of construction Materials Metal Work Contractors
materials and parts that are not classified with a more 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
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, Photocopy, 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
Photographic, 5946 – Camera and Photographic
Photocopy, Microfilm Supply Stores
Equipment
7338 – Quick Copy, Reproduction,

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

and Blueprinting Services

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, 5732 – Electronics Stores
Computer Hardware 5734 – Computer Software Stores
Computer Software 7379 – Computer Maintenance,
Computer Supplies Repair and Services
(Not Elsewhere Classified)

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. Restaurant Equipment – and Equipment Stores,
Supplies – Commercial Except Appliances
Equipment 7394 – Equipment, Tool, Furniture,
and Appliance Rental and
Leasing

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, Medical Equipment – and Sanitation Preparations
surgical, dental, or orthopedic equipment, patient Ophthalmic, Orthopedic 5021 – Office and Commercial
monitoring equipment, wheelchairs, and other medical Hospital Equipment, Furniture
instruments, industrial safety devices, hospital Supplies
equipment and hospital furniture, such as beds. Orthodontia Supplies
Safety Equipment
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 Electrical Parts Equipment

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

coils, capacitors, electronic condensers, diodes, and Supplies 5732 – Electronics Stores
semiconductor devices, public address equipment,
and electric signs.

5072 Hardware, Equipment and Supplies

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

5074 Plumbing and Heating Equipment and Supplies

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

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
5169 – Chemicals and Allied
MCC. Products for sale may include abrasives,
Products (Not Elsewhere Classified)
bearings, boxes, cans, crates, cork,
gaskets, grommets, hydraulic valves, hoses, 5251 – Hardware Stores
pistons, sprockets, barrels, bottles (glass or plastic),
industrial fittings, cordage, twine and rope, metals
closures, printers’ ink, lapidary equipment, leather
belting, mill supplies, pails, rubber goods, textile
printers’ supplies, and steel drums.

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, Watches, and Silverware Stores
stones and metals. This MCC also includes Jewelry 7699 – Miscellaneous Repair Shops
wholesalers of costume jewelry, watches and watch Jewelry – Fine Watches and Related Services
parts, clocks, silverware, diamonds and gemstones,
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. 5941 - Sporting Goods Stores
Gas Lighting Fixtures
Goods – Durable 5999 - Miscellaneous and Specialty
Gravestones Retail Shops

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

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,
Paper – Writing, Printing, Microfilm Equipment and Supplies
Stationery, Office Supplies 5943 – Stationery Stores, Office
Printing Supplies and School Supply Stores
5978 – Typewriter Stores – Sales,
Rentals, and Service

5122 Drugs, Drug Proprietaries, and Druggist Sundries

Merchants classified with this MCC are business-to- Distributors – Drugs, 5047 – Medical, Dental, Ophthalmic
business or wholesale distributors of prescription Druggists’ Sundries, and Hospital Equipment and Supplies
drugs, proprietary drugs, druggists’ sundries, Pharmaceuticals 5912 – Drug Stores and Pharmacies
pharmaceuticals, and biological or related products. Supplies – Drugs, Drug
Proprietaries, Druggist
Sundries,

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, Children’s Accessories Stores
distributors of graduation caps and gowns, athletic 5621 – Women’s Ready-To-Wear
Men’s Uniforms
and recreational uniforms, and school uniforms, but Stores
Professional Uniforms
not shoes.
Women’s Uniforms 5631 – Women’s Accessory and
Specialty Shops
5641 – Children’s and Infants’ Wear
Stores
5651 – Family Clothing Stores
5655 – Sports and Riding Apparel
Stores

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MCC MCC Description Included in this MCC Similar Merchants

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
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. Products for sale are typically used
Retail Stores
for industrial purposes. Examples include industrial
acids, ammonia and alcohol, heavy, aromatic and
other chemicals, chlorine, compressed and liquefied
gases, detergents, fuel and oil additives, resins,
salts, turpentine, sealants, rust proofing chemicals,
coal tar products, dry ice, dyestuffs, glue, gelatin,
and explosives

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 Fueling Services (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 and
business or wholesale distributors of books, Magazines Printing
periodicals, magazines, journals, and newspapers, 5942 – Book Stores
Newspapers, Newspaper
including newspaper agencies.
Agencies 5968 – Direct Marketing –
Periodicals Continuity/Subscription Merchant
5994 – News Dealers and
Newsstands

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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- Varnishes, Paints, Supplies 5231 – Glass, Paint, and Wallpaper
business or wholesale distributors of paints, Stores
varnishes, wallpaper, and supplies, including colors
and pigments, enamels, lacquers, paint brushes, paint
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 Goods
MCC, such as food products, art goods, clothes 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 – Home 5211 – Lumber and Building Materials
range of home products such as wallpaper, paint, Supply Stores
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
Lumber, Building Materials
gravel, general building or electrical supplies, bricks,
and Supplies – Roofing Stores
fencing, pipe, fiberglass, or molding. This MCC
Materials 5251 – Hardware Stores
includes building centers that offer their products to
contractors rather than to the general public and does 5713 – Floor Covering Stores
not include home supply store chains that are 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 (Not
and painting supplies, wallpaper and hanging Supplies – Glass Elsewhere Classified)

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MCC MCC Description Included in this MCC Similar Merchants

supplies, and other wall covering materials. Wallpaper, Wallcovering 5200 – Home Supply Warehouse
Supplies Store Stores
5251 – Hardware Stores

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

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. Stores
Plant Shops
– Nurseries Supplies

5262 Marketplaces

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 Home 5592 – Motor Home Dealers
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

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membership requirements. Discount Goods – 5310 – Discount Stores

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

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

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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 5422 – Freezer and Locker Meat
full line of food merchandise for home consumption. Grocery Provisioners
Most of the food merchandise is perishable, and Stores 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)
• 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 5499 – Miscellaneous Food Stores –
freezer storage and home freezer plans. Convenience Stores and Specialty
Meat Markets
Markets
Meat Lockers

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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 packaged Cheese Shops 5499 – Miscellaneous Food Stores –
butter, cheese, ice cream, milk, and other dairy Convenience Stores and Specialty
products. Markets
5814 – Fast Food Restaurants

5462 Bakeries

Merchants classified with this MCC sell (and may Bagel Shops 5499 – Miscellaneous Food Stores –
make) bakery goods. Cake Shops Convenience Stores and Specialty
Cookie Stores 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 – Convenience 5422 – Freezer and Locker Meat
Fruit Markets Provisioners

Gourmet Food Stores 5441 – Candy, Nut, and

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 Dealers 5521 – Car and Truck Dealers (Used
new and used automobiles, trucks, pickups, and vans (New/Used) -Sales, Only) Sales, Service, Repairs, Parts,
and may also conduct repair work and sell Service, Repairs, Parts, and Leasing
replacement parts and accessories. Leasing 5532 – Automotive Tire Stores
Car Dealers (New/Used) 5533 – Automotive Parts and

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Motor Vehicle Dealers Accessories Stores

(New/Used) 5561 – Camper, Recreational and
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)

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 Dealers (New/Used) Sales, Service, Repairs,
may also conduct repair work and sell replacement Automobiles/Trucks (Used Parts, and Leasing
parts and accessories. Only) Dealers 5532 – Automotive Tire Stores
Car Dealers (Used Only) 5533 – Automotive Parts and
Accessories Stores
5561 – Camper, Recreational and
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)

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 – 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 Automotive Parts and 5532 – Automotive Tires Stores
parts, equipment, and accessories, including electric Accessories 5732 – Electronics Stores
vehicle charging equipment designed for personal Automobile – Parts,
use. Accessories Stores
Car Parts, Accessories
Stores
Motor Vehicle Supplies,
Parts
Supplies – Automotive
Parts

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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 Fuel 5541 – Service Stations (With or
engine fuel through the use of an Automated 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

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

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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 Dealers
parts, equipment, clothing, and accessories. Moped Dealers (Not Elsewhere Classified)
Motorcycle Parts,
Accessories and Supplies
Motor Scooter Dealers,
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)

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 Dealers and Used) Sales, Service, Repairs,
vehicles, parts, equipment and supplies not classified Automotive Dealers – Parts, and Leasing
with a more specific MCC. Miscellaneous 5521 – Car and Truck Dealers (Used
Dealers – Golf Carts Only) Sales, Service, Repairs, Parts,
Plane Dealers and Leasing
5551 – Boat Dealers

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5561 – Camper, Recreational and

Utility Trailer Dealers
5571 – Motorcycle Shops and Dealers
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, Boys’ 5651 – Family Clothing Stores
boys’ ready-to-wear clothing and accessories. Clothing 5691 – Men’s and Women’s Clothing
Apparel – Men’s, Boys’ Stores
Clothing
Boys’ Clothing, Accessories
Accessory Stores
Hat Shops
Men’s Necktie Stores
Tie Shops

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 Apparel
Ready-To-Wear Stores Stores
Coat Stores – Women’s 5681 – Furriers and Fur Shops
Dress Shops 5691 – Men’s and Women’s Clothing
Maternity Stores Stores
Outerwear Stores – 5699 – Miscellaneous Apparel and
Women’s Accessory Shops

5631 Women’s Accessory and Specialty Shops

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

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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 –
Equestrian 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

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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,
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 – Non- Retail Stores
hair extensions or provide hair weaving services. 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 T-Shirt Stores

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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
linoleum, stone, wood, and brick, and may or may not Rug Stores Appliances
also perform installation services. 5719 – Miscellaneous Home
Tile Stores
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 Stores 1740 – Masonry, Stonework, Tile
fireplaces, wood stoves, and fireplace parts and Heating – Fireplace, Setting, Plastering and Insulation
accessories. Accessories Stores Contractors
Stoves – Fireplaces 5251 – Hardware Stores

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Accessories Stores 5719 – Miscellaneous Home

Woodburning Stoves, Furnishing Specialty Stores
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
7629 – Electrical and Small Appliance
Repair Shops
7699 – Miscellaneous Repair Shops
and Related Services

5723 Guns and Ammunition Shops

Merchants classified with this MCC sell guns and/or This MCC should only be 5941 – Sporting Goods Stores
ammunition. Merchants whose primary business used in those jurisdictions
involves the sale of guns and/or ammunition will use 5999 – Miscellaneous and Specialty
where it is legally required
this MCC. Retail Shops

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

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

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 Musical Instruments 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 5815 – Digital Goods Media – Books,
Music Stores – Prerecorded Movies, Music
Records, CDs, Cassettes
Used Record/CD Stores

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
Soda Fountains
delivery for Merchants qualifying for this MCC. Beverages) – Bars, Taverns,

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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. This MCC includes food Markets
delivery for Merchants qualifying for this MCC. Coffee Shops
Yogurt Shops
Pretzel Stands

5815 Digital Goods Media – Books, Movies, Digital artwork/images, Music

Merchants classified with this MCC sell books, 5192 – Books, Periodicals,
movies, digital artwork/images or music that is Newspapers
delivered in electronic format. 7832 – Movie Theaters, Motion
Merchants offering online streaming of digital media Picture Theaters
content on a subscription basis should use MCC 4899 5735 – Record Stores
5818 – Digital Goods – Large Digital
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
(including games of skill but excluding games of jurisdictions where they Supplies
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

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MCC Title/
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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 Pharmacies Convenience Stores and Specialty
Markets
Pharmacies
5122 – Drugs, Drug Proprietaries,
Prescription Medication and Druggist Sundries

5921 Package Stores – Beer, Wine, and Liquor

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

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

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

5941 Sporting Goods Stores

Merchants classified with this MCC sell sporting Backpacking Equipment 5099 Durable Goods (Not Elsewhere
goods, sports equipment, camping supplies, and Bait, Tackle Stores Classified)
related parts and accessories, and may also rent or
Billiard Tables – Sales 5999 Miscellaneous and Specialty
repair equipment. Retail Shops
Camping Equipment
Cutlery – Sporting Knives 5551 – Boat Dealers
Exercise Equipment 5561 – Camper, Recreational and
Fishing – Equipment, Bait, Utility Trailer Dealers
Tackle 5571 – Motorcycle Shops and Dealers
Golf Equipment 5598 – Snowmobile Dealers5940 –
Hiking Equipment Bicycle Shops – Sales and Service
Hunting Equipment, 7699 – Miscellaneous Repair Shops
Supplies including Firearms and Related Services
and Ammunition3 7999 – Recreation Services (Not
In-Line Skates Shops Elsewhere Classified)
Pool Tables – Sales
Rollerblade Shops
Scuba, Skin Diving
Equipment
Skateboard Shops
Ski Shops
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

3Effective May 1, 2025, Acquirers must assign ISO's MCC 5723 to all retailers in California, Colorado and New York that meet the definition of a "firearms merchant"
under applicable law. Under the Visa Rules, each Member is responsible for complying with all applicable laws, including any laws regarding the assignment of
MCCs. In the event of any conflict between the Visa Rules and this Manual and any applicable laws or regulations, the requirements of the laws and regulations
govern. For any questions, please contact your Visa Client Services representative.

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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
Jewelry – Fine 5932 – Antique Shops – Sales,
Silversmiths Repairs, and Restoration Services
Silverware Stores 5933 – Pawn Shops
Watch Shops 5947 – Gift, Card, Novelty and
Souvenir 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 Supply Stores and Photo Developing
photo/video processing services. Photography Supply Stores
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
supplies.

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.

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MCC MCC Description Included in this MCC Similar Merchants

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, 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

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 – Direct
telephone number or an address to which prospective 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 Marketing 4722 – Travel Agencies and Tour
services (including discount travel clubs or Travel- Related Operators
newsletters) via outbound telemarketing calls, 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.

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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.

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 Adult Content and Services

Adult Content and services

Merchants classified with this MCC sell adult content
including, but not limited to,
and services that customers access via telephone or
website subscriptions, video
fax or over the internet.
streaming and audio-text

Digital Adult Content

Merchants

5968 Direct Marketing – Continuity/Subscription Merchant

Merchants classified with this MCC sell subscription Magazine Subscription 4900 – Utilities – Electric, Gas, Water,
products for delivery (such as book clubs, (Direct Mail Only) 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
5499 – Miscellaneous Food Stores –

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MCC Title/
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participating in direct marketing activities that Convenience Stores and Specialty

happen to offer recurring purchase transactions Markets
should use the MCC that best describes their
5969 – Direct Marketing – Other
business instead. For example, Merchants providing
Direct Marketers (Not Elsewhere
the ongoing delivery of television/radio/streaming
Classified)
content on a subscription basis must use MCC 4899
5977 – Cosmetic Stores
6300 – Insurance Sales Underwriting
Qualified Merchants that “directly” sell subscriptions
and Premiums
for digital goods or content may use MCC 5815,
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 Agencies
that include an order form or an address and/or Marketing)
telephone number the customer may use to place an Ticket Agencies – Direct
order by mail, telephone, or fax and that are not 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

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

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.

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MCC Title/
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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

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.

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

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

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MCC Title/
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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
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

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

5999 Miscellaneous and Specialty Retail Shops

Merchants classified with this MCC sell unique or Atlas, Map Stores 4468 – Marinas, Marine Service,
specialized products that are not classified with a Beauty Supply Stores and Supplies
more specific MCC. Bottled and Distilled Water 5099 - Durable Goods (Not Elsewhere
Dealers Classified)
Collectibles, Memorabilia 5499 – Miscellaneous Food Stores
Stores- 5719 – Miscellaneous Home
Sports and Hobby Furnishing Specialty Stores
Dealers – Ice 5732 – Electronics Stores
Firearms, Ammunition 5940 – Bicycle Shops – Sales and
Stores4 Service
Fireworks Stores 5941 – Sporting Goods Stores
Frame Shops – 5948 – Luggage and Leather
Photograph, Poster Goods Stores
Gravestones, Monuments – 5993 – Cigar Stores and Stands
Sales, Installation 5995 – Pet Shops, Pet Foods and
Headstones, Monuments Supplies Stores
Ice Dealers 5998 – Tent and Awning Shops
Magic Shops 7230 – Beauty and Barber Shops
Map, Atlas Stores 7395 – Photofinishing Laboratories
Monuments, and Photo Developing
Party Supply Stores 7699 – Miscellaneous Repair Shops
Picture Frames, Framing and Related Services
Shops 7841 – DVD/Video Tape Rental
Specialty Retail Stores – Stores
Miscellaneous 7999 – Recreation Services
Sunglasses Stores (Not Elsewhere Classified)
Tombstones – Sales,
Installation
Trophy Sales

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, Liquid and
Institutions – Manual Cash Cryptocurrency Assets (for example:
Disbursements Cryptocurrency), Money Orders (Not
Deposits – Financial Money Transfer), Account Funding
Institutions (not Stored Value Load), Travelers
Manual Cash Cheques, and Debt Repayment
Disbursements

4Effective May 1, 2025, Acquirers must assign ISO's MCC 5723 to all retailers in California, Colorado and New York that meet the definition of a "firearms merchant"
under applicable law. Under the Visa Rules, each Member is responsible for complying with all applicable laws, including any laws regarding the assignment of
MCCs. In the event of any conflict between the Visa Rules and this Manual and any applicable laws or regulations, the requirements of the laws and regulations
govern. For any questions, please contact your Visa Client Services representative.

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

Savings and Loans –

Financial Institutions –
Travelers Cheques
(Financial Institutions)
Cash

6011 Financial Institutions – Automated Cash Disbursements

This MCC must be used only for cash disbursements ATM Cash Disbursements 6010 – Financial Institutions – Manual
at automated teller machines (ATMs) owned, leased, Cash - ATM Cash Disbursements
controlled, or sponsored by banks, savings and loans, 6051 – Non-Financial Institutions –
thrifts, and credit unions. Foreign Currency, Liquid and
Cryptocurrency Assets (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, Liquid and Cryptocurrency Assets (for
Deposits – Financial
example: cryptocurrency), money orders (a
Institutions
negotiable paper-based remittance – not a Money
Transfer), travelers cheques, and loan fees or Merchandise, Services –
financial counseling service fees. This MCC must also Financial Institutions
be used for the repayment of a debt, loan, or credit Mortgage Companies –
card balance by a cardholder to the financial Financial Institutions
institution. Purchase of Foreign
currency Liquid and
A Financial Institution that sells Liquid and Cryptocurrency Assets
Cryptocurrency Assets such as cryptocurrency must (for example,
include all required data in the authorization request cryptocurrency), money
and clearing record. orders (Not Money
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

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

6051 Non-Financial Institutions – Foreign Currency, Liquid and Cryptocurrency Assets (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, Liquid and Cryptocurrency Assets Currency –Liquid and 6012 – Financial Institutions –
(for example: cryptocurrency), money orders, or Cryptocurrency Assets Merchandise, Services, and Debt
travelers cheques that occurs at non-Financial Cryptocurrency) Repayment
Institutions such as currency exchanges or money Currency – Foreign (Non-
order (a negotiable paper-based remittance – not a Financial Institutions)
Money Transfer) Merchants.
Exchange – Foreign
Currency (Non-Financial
This MCC must also be used for the repayment of a Institutions)
loan or debt if the entity that holds the debt is not a Foreign Currency (Non-
financial institution. Financial Institutions)
Lease Payments
A Merchant that sells Liquid and Cryptocurrency Loan Payments
Assets such as cryptocurrency must include all
Money – Foreign Currency
required data in the authorization request and clearing
(Non-Financial Institutions)
record. All other transactions at the same Merchant
location must use the appropriate MCC for those Money Orders – Not Money
transactions. Transfer (Non-Financial
Institutions)
Mortgage Companies –
(Non-Financial Institutions)
Services – Money Order,
Traveler’s Cheques,
Foreign Exchange (Non-
Financial Institutions)
Traveler’s Cheques
(Financial Institutions)
Traveler’s 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
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
Stockbrokers

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

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
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
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

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

length, and local inns. T&E Section)

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. Sporting, Recreational Campgrounds
Camps 7999 – Recreation Services (Not
Children’s Camps Elsewhere Classified)
Girls’ 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)

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.

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

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 Nail 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 Styling Salon
products.
Hairdressers
Make-up Studios
Manicurists

7251 Shoe Repair Shops, Shoeshine 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 Shoeshine Shops, Stands Services (Not Elsewhere Classified)
services. Shoe Repair 7699 – Miscellaneous Repair Shops
Shops and Related Services

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

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

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 7322 - Collection Agencies
of personal counseling services, such as debt and Counseling 8111 – Legal Services and Attorneys
financial counseling, marriage counseling, family Credit Counseling 8999 – Professional Services (Not
counseling, and alcohol and drug abuse counseling. Debt Counseling Elsewhere Classified)
Family Counseling
Financial Counseling
Service
Marriage Counseling
Personal Counseling

7278 Buying and Shopping Services and Clubs

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

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 Wear, Children’s Uniforms and Commercial
related accessories. Uniforms Clothing
Costume Rental 7299 – Miscellaneous Personal
Formal Wear Rental Services (Not Elsewhere Classified)
Rentals – Clothing –
Costumes, Formal Wear,
Uniforms
Rentals – Costume
Rentals – Tuxedo, Formal
Wear

7297 Massage Parlors

Merchants classified with this MCC specialize in 7298 – Health and Beauty Spas
providing therapeutic massage services and may also 7299 – Miscellaneous Personal
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)

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

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 Stables, Kennels etc 7251 – Shoe Repair Shops, Shoe
MCC. Animal Breeders Shine Parlors, and Hat Cleaning
Animal Grooming Services Shops
Animal Training 7261 – Funeral Services and
Apartment Rental Services Crematories

Body Piercing, Tattoo 7273 – Dating Services

Parlors 7276 – Tax Preparation Services
Breeders – Animals 7277 – Counseling Services – Debt,
Dog Training Marriage, and Personal
Services – Stand-Alone 7278 – Buying and Shopping Services
Tipping/Gratuities and Clubs
Other Services – 7296 – Clothing Rental – Costumes,
Miscellaneous Uniforms, Formal Wear/
Services – Water Filtration, 7297 – Massage Parlors
Purification, 7298 – Health and Beauty Spas
Softening Treatments
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
advertising media for clients on a contract or fee
basis.

7321 Consumer Credit Reporting Agencies

Merchants classified with this MCC provide consumer 7322 - Collection Agencies
credit reporting services such as credit investigation, 7399 – Business Services (Not
credit clearinghouses, and other related services. Elsewhere Classified)
For Merchants primarily engaged in collecting debts in
default owed to others or that were originally owed to
others, use MCC 7322

7322 Collection Agencies

Merchants classified with the MCC collect payments 6012 – Financial Institutions –
of overdue receivables under contract or collect Merchandise, Services, and Debt
overdue receivables that they have purchased from a Repayment
third party. 6051 – Non-Financial Institutions –

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

Foreign Currency, Liquid and

Cryptocurrency Assets (for example:
Cryptocurrency), Money Orders (Not
Money Transfer), Account Funding
(not Stored Value Load), Travelers
Cheques, and Debt Repayment
7321 – Consumer Credit Reporting
Agencies

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. School Supply Stores

7339 Stenographic and Secretarial Support

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

7342 Exterminating and Disinfecting Services

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

7361 Employment Agencies and Temporary Help Services

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

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

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 Computer Systems Design 7379 – Computer Maintenance,
design, data entry, and data processing services. 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 – Public 7399 – Business Services (Not
of activities for private, nonprofit, and public Relations Elsewhere Classified)
organizations, such as strategic and organizational Consulting, Management 8999 – Professional Services (Not
planning, financial planning and budgeting, Services Elsewhere Classified)
developing marketing objectives, information systems Management Consultants
planning, development of human resource policies,
Marketing Consultants
and public relations services.
Public Relations Services

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 Security 8999 – Professional Services (Not
Fire Alarm Companies – Elsewhere Classified)
Home/Business Security
Home Security Systems

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

Private Investigators
Protective Services
Security Services,
Detective Agencies
Security Systems
Services – Guard Dog
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 – Equipment Uniforms, Formal Wear
Rentals – Tools 7513 – Truck and Utility Trailer
Services – Equipment Rentals
Rental, Leasing 7519 – Motor Home and Recreational
Vehicle Rentals
7841 – DVD/Video Tape Rental
Stores

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
Cosmetics Distributors 7338 – Quick Copy, Reproduction,
Event Planning and and Blueprinting Services
Management 7393 – Detective Agencies, Protective
Keys – Locksmith Services, and Security Services,
Language, Translation including Armored Cars, and Guard
Services Dogs
Locksmith 7999 – Recreation Services (Not
Elsewhere Classified)
Mail, Packing Stores,
Meeting Planning Services

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

Message, Paging Services

Packing, Mailing Services
Centers
Perfume Distributors
Postal Services – Non-
Government
Publishing Companies
Seminar Planning Services
Services – Telephone
Answering
Services – Trade Show
Arrangement
Services – Translation,
Language
Tourist Information Bureaus
Trade Show Arrangement
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
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 all modes of transportation,
usually on an hourly, daily, or monthly contract or fee
basis.

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

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)

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

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MCC MCC Description Included in this MCC Similar Merchants

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
Services – Television, and Related Services
Radio, Stereo, Electronics

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 Shops 7699 – Miscellaneous Repair 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
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

7692 Welding Services

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

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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 – Large Appliance Shops
Repair 7538 – Automotive Service Shops
Services – Bicycle Repair (Non-Dealer)
Services – Orthopedic 7622 – Electronics Repair Shops
Device Repair 7623 – Air Conditioning and
Refrigeration Repair Shops
7629 – Electrical and Small
Appliance Repair Shops
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)

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

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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
Agencies

7841 DVD/Video Tape Rental Stores

Merchants classified with this MCC rent DVDs/video Rentals – DVD/Video Tape 7829 – Motion Picture and Video
tapes for personal use and may sell a limited 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)

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 Companies Schools
theatrical productions and concerts (such as casting – 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.

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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 arenas and stadiums.
Professional Sports Clubs
Promoters – Sporting
Events
Race Tracks – Entrance
Fee, Non-Betting
Transactions
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

Museums 7999 – Recreation Services (Not

Elsewhere Classified)
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.

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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) and indoor playgrounds. 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
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

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Health Clubs
Private Golf Courses

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

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

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Doctors Ophthalmologists
Neurologists 8043 – Opticians, Optical Goods,
Obstetricians and Eyeglasses
Orthopedists 8049 – Podiatrists and
Pediatricians Chiropodists8099 – Medical Services
and Health Practitioners (Not
Physicians
Elsewhere Classified)
Plastic Surgeons
Psychiatrists
Radiologists
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 – Osteopaths8099 – 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, and
techniques, treat eye diseases, and may fill contact or 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

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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
Podiatrists Classified)

8050 Nursing, Home Healthcare and Personal Care Facilities

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

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Practitioners 8062 – Hospitals

Mental Health Practitioners 8071 – Medical and Dental
Physical Therapists Laboratories
Psychiatrists
Psychologists
Services – Medical
Services, Health
Practitioners
Sports Medicine Clinics
Therapists

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

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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

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 School 8244 – Business and Secretarial

Schools
Job Training Services
8249 – Vocational and Trade Schools
Karate Schools
Modeling Schools
Schools – Art
Schools – Automobile
Driving Instruction
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
Nannies
Nursery Schools
Preschool Centers

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

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accept donations on behalf of individuals raising 8699 – Membership Organizations

money for various causes without receiving any (Not Elsewhere Classified)
perceived or actual financial benefit for doing so.

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
8398 – Charitable Social Service

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Organizations – Organizations
Membership Organizations 8641 – Civic, Social, and Fraternal
Poetry Clubs Associations
Professional Organizations 8651 – Political Organizations
Tenant Associations 8661 – Religious Organizations
Condominium Associations 8675 – Automobile Associations
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

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Research Firms and Public Relations Services

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
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

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as accepting and processing packages and mail for Elsewhere Classified).

delivery and selling postage stamps. 9399– Government Services (Not
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.

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

Merchants classified with this MCC are government- 7800 – Government-Owned Lotteries
owned lotteries that sell lottery tickets (US Region Only)
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.

April 2025
VISA PUBLIC 106
Merchant Data Standards Manual Section 3: New MCC or MCC Change Requests

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 (..\visa-merchant-category-code-
request-form.pdf), which is also available on Visa Access. Visa will notify the member when
a decision is made. If approved, the new MCC will be included to a future edition of the Visa
Merchant Data Standards Manual.

April 2025
VISA PUBLIC 107