Official Merchant Data Standards

[!IMPORTANT] This is a programmatic web-version of the official Visa documentation. For the original source of truth, please refer to the official Visa Merchant Data Standards Manual (PDF).

October 2025

Visa Merchant Data Standards Manual

Visa Supplemental Requirements

OCTOBER 2025

© 2025 Visa. All Rights Reserved.

October 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.

Merchant Data Standards Manual Summary of Changes

October 2025

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 MCCs have been created:

MCC 3841 Tribute Portfolio

MCC 3842 Marriot Executive Apartments

MCC 3843 Moxy

MCC 3844 AC Hotels

MCC 3845 Bulgari

MCC 3846 The Luxury Collection

MCC 3847 JW Marriot

MCC 3848 Edition

MCC 3849 Minacia

MCC 3850 Breezbay Group

MCC 3851 Candeo Hotels

MCC 3852 Core Global Management Hotels and Resorts

MCC 3853 Granbell Hotels and Resorts

MCC 3304 Air Baltic: AIRBALTIC

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

MCC 5912 - the qualifying Merchants under this MCC has been expanded to include “pet pharmacies”

MCC 6011 - the description of this MCC has been updated to clarify that ATMs must dispense cash

Merchant Data Standards Manual Table of Contents

• October
• Introduction Table of Contents
• Section 1: Merchant Data Requirements
  • Determining a Merchant Name
  • Determining a Merchant Location
  • Determining Merchant Category Codes
    • General Requirements…………………………………………………………………………………………………….
    • Mandatory Multiple MCCs
• Section 2: Merchant Category Code Listing
• Section 3: New MCC or MCC Change Requests

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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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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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Determining a Merchant Name

General Requirements

The Merchant name is the most important factor in cardholder recognition of transactions. Correct use helps to
minimize copy requests resulting from unrecognizable Merchant names and reduces costs to Acquirers, Issuers
and Merchants.

The Merchant name must be the name most prominently displayed by the Merchant and by which cardholders
recognize the Merchant (while also reflecting the Merchant’s “Doing Business As” (DBA) name).

Merchants may sometimes use names that do not cause confusion when viewed at the Merchant premises but may
confuse the cardholder if viewed out of context on a cardholder statement. Examples of such names would include
a parking garage named John’s Farm (that is no longer the site of a farm) or a restaurant named Ship Chandler.

When the content of the Merchant name is inconsistent with the MCC, the Merchant name must contain extra
information that identifies the type of Merchant to the cardholder. In the example above, the Merchant descriptor
for John’s Farm must be John’s Farm Parking; the descriptor for Ship Chandler must be Ship Chandler Restaurant.

A Merchant with multiple Merchant outlets may add the city, store number, or other unique identifier to distinguish
the specific Merchant outlet.

Example One:
A fuel station is a franchisee of a large retail chain. Accordingly, the retail chain name, brand, and colors
are prominently displayed on the forecourt and inside the shop. The name of the franchisee is in the window
on an A4 notice for legal reasons. The Merchant name must be the name of the retail chain, possibly with
an added indication of the location.

Example Two:
An individual owns a taxicab that he leases to other drivers to provide taxi services as part of a large taxi
company chain. The taxicab displays the taxi company name and is painted in the company’s colors. The
driver leasing the taxi has his own acceptance contract. For legal reasons, that driver’s name is on a plate
on the dashboard. The Merchant name must be the name of the taxi company, possibly with the taxicab
number to differentiate it from other taxis that provide services for the same company. The Merchant name
must not be the name of the taxi driver, nor may it be the name of the owner of the car.

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

Payment Facilitators, Marketplaces and Ramp Providers

A Merchant is an entity that represents itself to the buyer as selling services or goods.

If an entity handles payments on behalf of sellers through an online marketplace that brings together multiple buyers and sellers it may be classified as a Marketplace.

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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.

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 remain 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 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

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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 identity 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.

Formatting the Merchant Name

Visa authorization and clearing systems provide 25 spaces in which to describe the Merchant name and acquirers are required to be able to use all 25 spaces.

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.

Supplementary Merchant Name Information for Specific Transactions

In general, the Merchant name field must only contain the Merchant name, as set out above. However, there are a

number of specific exceptions to this rule in the table below.

Note: even for the categories set out below, supplementary data is not permitted if it makes the content of the

Merchant name field confusing or counter to other requirements (such as abbreviation requirements). In some

cases, the Merchant name may not be truncated at all.

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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^

Ramp Provider

A Ramp Provider transaction that contains the Ramp Provider and Conversion
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
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.

Required

For the first
recurring
transaction at
the end of a trial
period,
discounted
introductory
offer, or
promotional
period

After the Merchant name, may contain language to indicate that the recurring
transaction is as a result of a subscription that began with a trial period, discounted
introductory offer, promotional period, etc.
For example: in English, this may be any of the following:

• “End Trial”
• “End Offer”
• “End Free Trial”
• “End Trial Period”
• “End Discount”
• Other similar language

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 (^) Optional Purchase of goods or services at an airline or US passenger railway (“ ancillary purchase” ) A general description of the type of purchase (beverage, meals, seat upgrade, lounge access, duty free etc. Information in the Merchant name field must use the following format:

• Merchant name in the first 11 or 12 positions
• A blank in position 12, if applicable
• A general description of the goods or services beginning position 13 For example:

Optional

A I R L I N E N A M E D U T Y - F R E E^

Required^

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Transaction Supplementary Data Required/Optional^

Purchase of an
airline ticket or
US passenger
railway ticket

Must contain all the following:

• An abbreviated airline (or US railway) name in the first 11 or 12 positions
• A blank in position 12 if applicable
• Airline (or US railway) ticket identifier beginning position 13 For example: A I R L I N E N A M E 1 2 3 4 5 6 7 8 9 0 1 2 3

Purchase at an
AFD

Most fuel is sold under large retail brands, and that brand must be the Merchant
name. Since the brand often has multiple locations in a city, the Merchant is likely
to include a place descriptor such as a city name or a location number. The required
Merchant name must not be abbreviated or truncated in order to place
supplemental information into the Merchant name field.
For example:

B^ I^ G^ B^ R^ A^ N^ D^ P^ E^ T^ R^ O^ L^ #^3 2

Required

(^) Purchase of Goods or Services Additional information may be included after the Merchant name and an asterisk (*) to indicate an order number, reference number, or other information to identify the transaction. If the transaction is an installment transaction, installment information (1 of 2, 2 of 2, etc.) must appear after the asterisk. For vehicle rental and hotel Merchants, the Merchant name must not be truncated in order to place supplemental information into the Merchant name field. Optional Cash For a manual cash disbursement at a member location, the disbursing member’s 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

Required

Original Credit
Transactions

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

Required

No-Show
Transactions

May also include the words “NO SHOW” after the Merchant name. (^) Optional Payment Facilitator A payment facilitator transaction that contains the Payment Facilitator and 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) Required

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Transaction Supplementary Data Required/Optional^

the sponsored Merchant name (e.g., Payment facilitator name*Sponsored
Merchant name). It should choose the name that is the more recognizable to
the cardholder.

If a Cardholder accesses the website and/or application of a high 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
Wallet

For funding transactions, the Merchant name field must contain the name of the
digital wallet Operator.
For back-to-back funding transactions, the Merchant name field must contain
(i) the name of the digital wallet Operator, (ii) followed by an asterisk (*), and
(iii) the Retailer name.

Required

Marketplace The Marketplace may use the Marketplace name alone. It may choose to insert
the name of the seller into the Merchant name field, using (i) the name of the
Marketplace (or an abbreviation), (ii) followed by an asterisk (*), and (iii) the
Retailer name.

Required

Business
Payment
Solution
Provider
(BPSP)

The BPSP name must appear with the Supplier name. The BPSP name must be
the Merchant name it registered with Visa. The complete name should appear. An
abbreviation may be used for long names, but it must be easily recognizable.

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.

Required

Consumer Bill
Payment
Servicer
(CBPS)

The CBPS name must appear with the biller name. The CBPS name must be the
Merchant name it registered with Visa. The complete name should appear. An
abbreviation may be used for long names, but it must be easily recognizable.

The field must contain (i) the name of the CBPS (ii) followed by an asterisk (*) and
(iii) the biller name, or an abbreviation, (e.g. CBPS name*biller name). An acquirer
must ensure that the CBPS or biller name remains consistent for all transactions.

Required

Service Fee, US
Region
Must contain the words "Service Fee" after the Merchant name.
Required
Tipping (Stand-
alone
Transactions)

When tips are given to the person receiving the tip (service staff) as a stand-alone
Visa transaction, Cardholders are unlikely to remember the name of the person to
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.

Required

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Transaction Supplementary Data Required/Optional^

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”
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
Money Order
Transactions,
US Region

Must contain:

• The name of the wire transfer operator used to identify itself to its customers.
• An asterisk (*)
• The Merchant location at which the money order is issued in the remaining positions

Required

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.

Card-Present Transactions

For card-present transactions at a Merchant with a fixed location, the Acquirer must assign the location of the

Merchant outlet as the location where the transaction took place.

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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

Card-Absent Transactions

The location of a card-absent transaction considers additional factors. The cardholder is not present at the Merchant

outlet when the transaction takes place, and the activities needed to complete the transaction may occur in different locations, perhaps in different countries.

A card-absent Merchant must disclose the location of the Merchant outlet (and, therefore, of the transaction) to the cardholder at the time of the transaction. An e-commerce Merchant must prominently display the Merchant outlet

country to the cardholder on the same screen as the check-out screen or on a page immediately prior to the check-

out screen. It must not be contained only via a hyperlink.

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

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Merchant. The rules for other card-absent transactions in the next bullet must be used to determine the
location of the travel agent.

• For other card-absent transactions, the Merchant outlet location may also be the country where the Merchant conducts the business activity directly related to the provision of the purchased goods or services to the cardholder. To assign an additional country to a Merchant in this situation, the acquirer must ensure that the Merchant meets all 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: ▪ A post office box, a mail-forwarding address, the address of the Merchant’s law firm, agent, or vendor, or email address

▪ 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 criteria.

Payment Facilitators

A Payment Facilitator location must be the country of its principal place of business and maybe an additional country or countries if all activities specified in the Visa rules occur in each country.

However, within the Europe Region, the relevant business activity required to establish a payment facilitator location

does not need to occur in a single country. If the required activity is spread across multiple Europe Region countries,

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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.

Staged Digital Wallet Operators (SDWO)

A Staged Digital Wallet Operator location must be the country of its principal place of business and may be an additional country or countries if all activities specified in the Visa rules occur in each country.

However, within the Europe Region, the relevant business activity required to establish an SDWO location does not

need to occur in a single country. If the required activity is spread across multiple Europe Region countries, the acquirer may assign any of those countries as an additional SDWO location. For clarity, all 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.

Marketplaces

The location of a Marketplace (as defined in the Visa rules) must be the country of its 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.

Ramp Providers

A Ramp Provider location must be the country of its principal place of business and 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.

Other Location-Related Requirements

Acquirers are responsible for ensuring their Marketplaces, Ramp Providers or Merchants / Sponsored Merchants

undergo an adequate due-diligence review to establish the correct Merchant outlet location.

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:

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October 2025 VISA PUBLIC 13

• 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 country^1 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 to at the time of the transaction. Under
the Visa requirements, the Merchant outlet is an in-transit Merchant outlet, and the Merchant may choose the
country where the trip commenced (Singapore), the destination (Malaysia), or the Merchant’s principal place
of business.
Example 2:
A cardholder purchases an air ticket online from the airline website for travel from the U.S.A. to Japan. The
airline is a U.S. airline. In this case, the Merchant outlet location must be the U.S.A., as it is both the principal
place of business for the airline and the place the journey begins.

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.

(^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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October 2025 VISA PUBLIC 14

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 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 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

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October 2025 VISA PUBLIC 15

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 City

The Merchant city field reflects the city in which the transaction occurred and, for most transactions, must reflect the city in which the Merchant outlet is located.

Visa authorization and clearing systems provide 13 characters in which to place the Merchant city information.

Whenever possible, the Merchant city should be completely spelled out and not abbreviated. A clear and discernible city name is required.

For example, use:

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

Do not use:

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

Exceptions

For some transaction types, information other than the city name must or may be included in the Merchant city field:

• Transactions at a Military Base, Embassy, or Consulate : 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.

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Merchant State (US Region)

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).

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.

General Requirements…………………………………………………………………………………………………….

The following rules apply to the assignment of MCCs:

a. 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.

b. 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.

c. 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.

d. 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.

e. When applicable, use the unique Merchant-specific MCCs that have been designated for major travel and
entertainment (T&E) Merchants. If an airline, car rental, or lodging Merchant has a Merchant-specific MCC,
it must be used for all transactions related to the Merchant’s core business. For example, an airline with its
own MCC should use that MCC for ticket purchase, baggage fees, upgrade fees, and purchases made on
the aircraft. Airline, car rental, and lodging. Merchants that do not have their own MCCs must use the

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“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).

f. 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.

g. 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

Mandatory Multiple MCCs

There are a number of cases where a Merchant must be assigned 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) to identify ATM cash disbursements in which a cardholder receives cash. 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.

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• 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 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. Where a merchant operates multiple electronic commerce websites (URLs), each offering distinct goods or services, each website must be assigned the Merchant Category Code (MCC) that most accurately reflects the business activity conducted on that site. This requirement applies regardless of whether the websites are linked from a common parent site or operated under the same merchant entity.
• 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) - 5912 (Drug Stores, Pharmacies)^1 - 5966 (Direct Marketing – Outbound Telemarketing Merchants - 5967 (Adult Content and Services)

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• 5993 (Cigar Stores and Stands)^1
• 7273 (Dating and Escort Services)
• 7995 (Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, Wagers at Race tracks and games of chance to win prizes of monetary value)

For certain Card-Absent Transactions using the following MCCs:

• 4816 (Computer Network/Information Services), for the sale of access to 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 (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.

Optional Multiple MCCs

If a Merchant or marketplace sells more than one type of merchandise or has more than one line of business, it

must use the MCC that best describes the business with the highest sales volume (measured in local currency) to

process all Visa sales. The acquirer and the Merchant may determine that an additional MCC and Merchant or

marketplace identifier is appropriate for each different line of business. A Marketplace that sells multiple lines of

goods may use MCC 5262 (Marketplaces). Visa strongly recommends that the MCCs assigned to Merchants are

reviewed periodically to ensure accuracy in order to limit potential compliance complaints

Examples of Multiple MCCs

Example One:

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 devices. The Merchant must use two

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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 property taxes with a Visa card, using MCC

9311 (Tax Payments). The county also owns and operates a ballpark and accepts registrations from the youth athletic leagues. The government office would like to use the same MCC for both situations. Based on the specificity

of MCC 9311 for tax payments, it is inappropriate for the county to accept the ballpark registrations using this MCC.

In this example, the office must use 9399 (Government Services, not elsewhere classified) because it is a payment to the county government that does not fall under any other government related MCC.

Example Five:

John’s Walk and Carry sells shoes and luggage on the internet. The majority of goods sold through the website

are shoes, so the Merchant must use MCC 5661 (Shoe 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.

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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

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

0742 Veterinary Services

(^) Merchants classified with this MCC are licensed practitioners of veterinary medicine, dentistry, or surgery. This MCC includes medical practitioners of pets (e.g., dogs, cats), livestock (e.g., cattle, horses, sheep, hogs, goats, poultry), and large or exotic animals. Animal Doctors, Pet Hospitals Pet Clinics Services – Veterinary 5995 – Pet Shops, Pet Foods and Supplies Store 0763 Agricultural Co-operatives^ Merchants classified with this MCC provide farm management services or engage in farming operations. Also included in this MCC are associations and cooperatives that provide assistance and services to farmers in farm management. These 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. Farm Management Services Orchards Vineyards 0780 – Landscaping and Horticultural Services 4225 – Public Warehousing and Storage – Farm Products, Refrigerated Goods, Household Goods, and Storage 0780 Landscaping and Horticultural Services (^) Merchants classified with this MCC provide landscape planning and design services. This MCC also includes Merchants that offer a variety of lawn and garden services (e.g., planting, fertilizing, mowing, mulching, seeding, spraying, sod laying). Gardening Services Horticulture Services Landscaping Services 5193 – Florist Supplies, Nursery Stock and Flowers 5261 – Nurseries and Lawn and Garden Supply Stores (^1520) General Contractors – Residential and Commercial Merchants classified with this MCC are general contractors primarily engaged in construction of residential and/or commercial buildings. This MCC includes contractors that perform new construction as well as remodeling, repair, additions, or alterations. Building Contractors – Residential, Commercial Construction Companies General Contractors 1711 – Heating, Plumbing, and Air Conditioning Contractors 1731 – Electrical Contractors 1740 – Masonry, Stonework, Tile 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 that provide heating, plumbing and air conditioning services. This MCC includes contractors that perform air system balancing and testing, drainage system installation, furnace repair, irrigation system installation, refrigeration and freezer work, sewer Air Conditioning Contractors Heating Contractors Plumbing Contractors 1520 – General Contractors – Residential and Commercial 5074 – Plumbing and Heating Equipment and Supplies 1799 – Special Trade Contractors (Not Elsewhere Classified)

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MCC

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

hookups and connections, solar heating, sprinkler
system installation and water pump installation and
servicing.

(^1731) Electrical Contractors Merchants classified with this MCC are contractors that provide electrical work such as fire alarm installation, sound equipment installation, telecommunications equipment installation, cable/internet installation, and telephone and telephone equipment installation. Contractors – Electrical 1520 – General Contractors – Residential and Commercial 1799 – Special Trade Contractors (Not Elsewhere Classified) 1740 Masonry, Stonework, Tile Setting, Plastering and Insulation Contractors^ Merchants classified with this MCC are contractors that perform masonry work, stone setting and other stone work, tile setting, plain and ornamental plastering, and insulation. This MCC also includes contractors that perform bricklaying, ceramic and marble work, mosaic work, acoustical improvements, and drywall construction. Insulation Contractors Masonry Contractors Plastering Contractors Stonework Contractors Tile Setting Contractors 1520 – General Contractors – Residential and Commercial 1799 – Special Trade Contractors (Not Elsewhere Classified) 1750 Carpentry Contractors Merchants classified with this MCC are contractors that perform carpentry work. This MCC includes contractors that do cabinet work at the construction site, framing, trim and finish work and window and door installation. Contractors – Carpentry 1520 – General Contractors – Residential and Commercial 1799 – Special Trade Contractors (Not Elsewhere Classified) (^1761) Roofing, Siding, and Sheet Metal Work Contractors Merchants classified with this MCC are contractors that install roofing and/or siding and do sheet metal work. This MCC includes contractors that perform architectural sheet metal work, ceilings and skylight installation, duct and gutter installation, and roof spraying, painting or coating. Contractors – Roofing Contractors – Sheet Metal Work Contractors – Siding 1520 – General Contractors – Residential and Commercial 1799 – Special Trade Contractors (Not Elsewhere Classified) (^1771) Concrete Work Contractors Merchants classified with this MCC are contractors that perform concrete, cement or asphalt work. This MCC includes contractors that construct private driveways and walks of all materials. Also included in this category are contractors that pour concrete for foundations and perform grouting work and concrete patio and sidewalk construction. Asphalt Contractors Cement Contractors Contractors – Concrete Work 1520 – General Contractors – Residential and Commercial 1799 – Special Trade Contractors (Not Elsewhere Classified) (^1799) Special Trade Contractors (Not Elsewhere Classified) Merchants classified with this MCC are special trade contractors that perform construction work not covered with a more specific MCC. This MCC includes contractors that perform jobs such as awning installation, bathtub refinishing, fence construction, Special Trade Contractors Decorating Contractors Demolition Services Contractors 1520 – General Contractors – Residential and Commercial

October 2025

MCC

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

fire escape installation, house moving, home window
replacement, garage door installation, ornamental
metal work, swimming pool construction, glasswork,
well drilling, wallpaper services, and waterproofing.

Garage Door Installation
Glasswork Contractors
Interior Decorators
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 business-to-business or wholesale printing, publishing and/or bookbinding activity. This includes Merchants that print or publish maps and atlases, business newsletters, directories, sheet music, paper patterns, technical manuals and papers, telephone directories and yearbooks. Bookbinding Services Printing Services Publishing Services 5192 – Books, Periodicals and Newspapers 5942 – Book Stores 7338 – Quick Copy, Reproduction, and Blueprinting Services 2791 Typesetting, Plate Making and Related Services (^) Merchants classified with this MCC perform business- to-business or wholesale typesetting for the printing trade and those that make plates for printing purposes. These Merchants are involved in 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. Plate Making Services Typesetting Services 2741 – Miscellaneous Publishing and Printing 7338 – Quick Copy, Reproduction, and Blueprinting Services 2842 Specialty Cleaning, Polishing and Sanitation Preparations Merchants classified with this MCC engage in the business-to-business or wholesale manufacture of polishes for wood, metal, and other materials as well as cleaning solutions, industrial and household disinfectants, and other sanitation preparations. Also included in this MCC are Merchants that sell non- 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. Cleaning Preparations Materials – Cleaning, Polishing, Sanitation Polishing Preparations Sanitation Preparations 5085 – Industrial Supplies (Not Elsewhere Classified) 5169 – Chemicals and Allied Products (Not Elsewhere Classified)

October 2025

MCC

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

Airlines and Air Carriers

MCC Merchant Name (^) Required Name in Authorization Request/Clearing Record 3000 UNITED AIRLINES UNITED AIR 3001 AMERICAN AIRLINES AMERICAN AIR 3002 PAN AMERICAN PAN AM AIR 3003 EUROFLY AIRLINES EUROFLY AIR 3004 DRAGON AIRLINES DRAGONAIR 3005 BRITISH AIRWAYS BRITISH AWYS 3006 JAPAN AIRLINES JAL AIRLINE 3007 AIR FRANCE AIR FRANCE 3008 LUFTHANSA LUFTHANSA 3009 AIR CANADA AIR CANADA 3010 KLM (ROYAL DUTCH AIRLINES) KLM AIRLINE 3011 AEROFLOT AEROFLOT 3012 QANTAS QANTAS AIR 3013 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

October 2025

MCC

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

3037 EGYPTAIR EGYPTAIR
3038 KUWAIT AIRWAYS KUWAIT AIR
3039 AVIANCA AVIANCA
3040 GULF AIR (BAHRAIN) GULF AIR
3041 BALKAN-BULGARIAN AIRLINES BALKAN AIR
3042 FINNAIR FINNAIR
3043 AER LINGUS AER LINGUS
3044 AIR LANKA AIR LANKA
3045 NIGERIA AIRWAYS NIGERIA AIR
3046 CRUZEIRO DO SUL (BRAZIL) CRUZEIRO AIR
3047 TURKISH AIRLINES TURKISH AIRLINES
3048 ROYAL AIR MAROC AIR MAROC
3049 TUNIS AIR TUNIS AIR
3050 ICELANDAIR ICELANDAIR
3051 AUSTRIAN AIRLINES AUSTRIAN AIR
3052 LAN AIRLINES LAN AIR
3053 AVIACO (SPAIN) AVIACO AIR
3054 LADECO (CHILE) LADECO AIR
3055 LAB (BOLIVIA) LAB AIR
3056 JET AIRWAYS JET AIR
3057 VIRGIN AMERICA VIR AMER
3058 DELTA DELTA AIR
3059 DBA AIRLINES DBA AIR
3060 NORTHWEST NWA AIR
3061 CONTINENTAL CONTINENTAL
3062 HAPAG-LLOYD EXPRESS AIRLINES HLX AIR
3063 US AIRWAYS USAIRWAYS
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

October 2025

MCC

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

3079 JETSTAR AIRWAYS JETSTAR AIR
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

October 2025

MCC

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

3144 VIRGIN ATLANTIC VIRGINATLAIR
3145 SAN JUAN AIRLINES SAN JUAN AIR
3146 LUXAIR LUXAIR
3148 AIR LITTORAL SA AIRLITTORAL
3151 AIR ZAIRE AIR ZAIRE
3154 PRINCEVILLE PRINCVLLEAIR
3156 GO FLY LTD GOFLY
3159 PBA PBA AIRLINE
3161 ALL NIPPON AIRWAYS ANA AIR
3164 NORONTAIR NORONTAIR
3165 NEW YORK HELICOPTER NY HELI
3167 AEROCONTINENTE AEROCONTINEN
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

October 2025

MCC

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

3211 NORWEGIAN AIR SHUTTLE NORWEGIANAIR
3212 DOMINICANA DOMINICA AIR
3213 BRAATHENS REGIONAL AIRLINES BRAATHENS REGIONAL AIR
3215 DAN AIR SERVICES DANAIRSERV
3216 CUMBERLAND AIRLINES CUMBERLNDAIR
3217 CSA CSA AIRLINE
3218 CROWN AIR CROWN AIR
3219 COPA COPA AIR
3220 COMPANIA FAUCETT COMP FAU AIR

3221

TRANSPORTES AEROS MILITARES
ECUATORIANOS

TAME AIRLINE

3222 COMMAND AIRWAYS COMMAND AIR
3223 COMAIR COMAIR
3226 SKYWAYS AIR SKYWAYS AIR
3228 CAYMAN AIRWAYS CAYMANAIR

3229 SAETA TRANSPORTES AEREOS–^ SOCIAEDAD ECUATORIANOS DE SAETA AIR

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

October 2025

MCC

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

3266 AIR SEYCHELLES AIR SEYCH
3267 AIR PANAMA AIR PANAMA
3280 AIR JAMAICA AIR JAMAICA
3282 AIR DJIBOUTI AIR DJIBOUTI
3284 AERO VIRGIN ISLANDS AERVIRGINIS
3285 AEROPERU AEROPERU
3286 AEROLINEAS NICARAGUENSIS AERONICARAG
3287 AERO COACH AVIATION AEROCOACH AV
3292 CYPRUS AIRWAYS CYPRUS AIR
3293 ECUATORIANA ECUATORIANA
3294 ETHIOPIAN AIRLINES ETHIOPIAN AIR
3295 KENYA AIRWAYS KENYA AIR
3296 AIR BERLIN AIR BERLIN
3297 TAROM ROMANIAN AIR TRANSPORT TAROM AIR
3298 AIR MAURITIUS AIRMAURITIUS
3299 WIDEROE’S FLYVESELSKAP WIDEROES
3300 AZUL AIR AZUL AIR
3301 WIZZ AIR WIZZ AIR
3302 FLYBE LTD FLYBEAIR
3303 TIGERAIR TIGERAIR
3304 AIR BALTIC AIRBALTIC

3308 CHINA SOUTHERN AIRLINES CHINA SOUTHERN

Car Rental Agencies

MCC Merchant Name

(^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

October 2025

MCC

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

(^3364) AGENCY RENT-A-CAR (^3366) BUDGET RENT-A-CAR (^3368) HOLIDAY RENT-A-CAR (^3370) RENT-A-WRECK (^3374) ACCENT RENT-A-CAR (^3376) AJAX RENT-A-CAR (^3380) TRIANGLE RENT-A-CAR (^3381) EUROP CAR (^3385) TROPICAL RENT-A-CAR (^3386) SHOWCASE RENTAL CARS (^3387) ALAMO RENT-A-CAR (^3388) MERCHANTS RENT-A-CAR (^3389) AVIS RENT-A-CAR (^3390) DOLLAR RENT-A-CAR (^3391) EUROPE BY CAR (^3393) NATIONAL CAR RENTAL (^3394) KEMWELL GROUP RENT-A-CAR (^3395) THRIFTY CAR RENTAL (^3396) TILDEN RENT-A-CAR (^3398) ECONO-CAR RENT-A-CAR (^3400) AUTO HOST CAR RENTALS (^3405) ENTERPRISE RENT-A-CAR (^3409) GENERAL RENT-A-CAR (^3412) A-1 RENT-A-CAR (^3414) GODFREY NATL RENT-A-CAR (^3420) ANSA INTL RENT-A-CAR (^3421) ALLSTATE RENT-A-CAR (^3423) AVCAR RENT-A-CAR

October 2025

MCC

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

(^3425) AUTOMATE RENT-A-CAR (^3427) AVON RENT-A-CAR (^3428) CAREY RENT-A-CAR (^3429) INSURANCE RENT-A-CAR (^3430) MAJOR RENT-A-CAR (^3431) REPLACEMENT RENT-A-CAR (^3432) RESERVE RENT-A-CAR (^3433) UGLY DUCKLING RENT-A-CAR (^3434) USA RENT-A-CAR (^3435) VALUE RENT-A-CAR (^3436) AUTOHANSA RENT-A-CAR (^3437) CITE RENT-A-CAR (^3438) INTERENT RENT-A-CAR (^3439) MILLEVILLE RENT-A-CAR (^3441) ADVANTAGE RENT-A-CAR Lodging – Hotels, Motels, Resorts MCC (^) Merchant Name (^3501) HOLIDAY INNS (^3502) BEST WESTERN HOTELS (^3503) SHERATON (^3504) HILTON HOTELS (^3505) FORTE HOTELS (^3506) GOLDEN TULIP HOTELS (^3507) FRIENDSHIP INNS (^3508) QUALITY INNS (^3509) MARRIOTT (^3510) DAYS INNS

October 2025

MCC

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

(^3511) ARABELLA HOTELS (^3512) INTER-CONTINENTAL HOTELS (^3513) WESTIN (^3514) AMERISUITES (^3515) RODEWAY INNS (^3516) LA QUINTA INN AND SUITES (^3517) AMERICANA HOTELS (^3518) SOL HOTELS (^3519) PULLMAN INTERNATIONAL HOTELS (^3520) MERIDIEN HOTELS (^3521) ROYAL LAHAINA RESORTS (^3522) TOKYO HOTEL (^3523) PENINSULA HOTEL (^3524) WELCOMGROUP HOTELS (^3525) DUNFEY HOTELS (^3526) PRINCE HOTELS (^3527) DOWNTOWNER-PASSPORT HOTEL (^3528) RED LION INNS (^3529) CP HOTELS (^3530) RENAISSANCE HOTELS (^3531) KAUAI COCONUT BEACH RESORT (^3532) ROYAL KONA RESORT (^3533) HOTEL IBIS (^3534) SOUTHERN PACIFIC HOTELS (^3535) HILTON INTERNATIONALS (^3536) AMFAC HOTELS (^3537) ANA HOTEL (^3538) CONCORDE HOTELS

October 2025

MCC

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

(^3539) SUMMERFIELD SUITES HOTELS (^3540) IBEROTEL HOTELS (^3541) HOTEL OKURA (^3542) ROYAL HOTELS (^3543) FOUR SEASONS HOTELS (^3544) CIGA HOTELS (^3545) SHANGRI-LA INTERNATIONAL (^3546) HOTEL SIERRA (^3548) HOTELES MELIA (^3549) AUBERGE DES GOVERNEURS (^3550) REGAL 8 INNS (^3551) MIRAGE HOTEL AND CASINO (^3552) COAST HOTELS (^3553) PARK INNS INTERNATIONAL (^3554) PINEHURST RESORT (^3555) TREASURE ISLAND HOTEL AND CASINO (^3556) BARTON CREEK RESORT (^3557) MANHATTAN EAST SUITE HOTELS (^3558) JOLLY HOTELS (^3559) CANDLEWOOD SUITES (^3560) ALADDIN RESORT AND CASINO (^3561) GOLDEN NUGGET (^3562) COMFORT INNS (^3563) JOURNEY’S END MOTELS (^3564) SAM’S TOWN HOTEL AND CASINO (^3565) RELAX INNS (^3566) GARDEN PLACE HOTEL (^3567) SOHO GRAND HOTEL

October 2025

MCC

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

(^3568) LADBROKE HOTELS (^3569) TRIBECA GRAND HOTEL (^3570) FORUM HOTELS (^3571) GRAND WAILEA RESORT (^3572) MIYAKO HOTELS (^3573) SANDMAN HOTELS (^3574) VENTURE INNS (^3575) VAGABOND HOTELS (^3576) LA QUINTA RESORT (^3577) MANDARIN ORIENTAL HOTEL (^3578) FRANKENMUTH BAVARIAN (^3579) HOTEL MERCURE (^3580) HOTEL DEL CORONADO (^3581) DELTA HOTEL (^3582) CALIFORNIA HOTEL AND CASINO (^3583) RADISSON BLU (^3584) PRINCESS HOTELS INTERNATIONAL (^3585) HUNGAR HOTELS (^3586) SOKOS HOTELS (^3587) DORAL HOTELS (^3588) HELMSLEY HOTELS (^3589) DORAL GOLF RESORT (^3590) FAIRMONT HOTELS (^3591) SONESTA HOTELS (^3592) OMNI HOTELS (^3593) CUNARD HOTELS (^3594) ARIZONA BILTMORE (^3595) HOSPITALITY INNS

October 2025

MCC

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

(^3596) WYNN LAS VEGAS (^3597) RIVERSIDE RESORT HOTEL AND CASINO (^3598) REGENT INTERNATIONAL HOTELS (^3599) PANNONIA HOTELS (^3600) SADDLEBROOK RESORT TAMPA (^3601) TRADEWINDS RESORTS (^3602) HUDSON HOTEL (^3603) NOAH’S HOTELS (^3604) HILTON GARDEN INN (^3607) FONTAINEBLEAU RESORTS (^3608) GAYLORD OPRYLAND (^3609) GAYLORD PALMS (^3612) MOEVENPICK HOTELS (^3613) MICROTEL INNS & SUITES (^3614) AMERICINN (^3615) TRAVELODGE (^3617) AMERICA’S BEST VALUE INN (^3618) GREAT WOLF (^3619) ALOFT (^3620) BINION’S HORSESHOE CLUB (^3621) EXTENDED STAY (^3622) MERLIN HOTELS (^3623) DORINT HOTELS (^3624) LADY LUCK HOTEL AND CASINO (^3625) HOTEL UNIVERSALE (^3626) STUDIO PLUS (^3627) EXTENDED STAY AMERICA (^3628) EXCALIBUR HOTEL AND CASINO

October 2025

MCC

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

(^3629) DAN HOTELS (^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

October 2025

MCC

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

(^3657) OBEROI HOTELS (^3658) NEW OTANI HOTELS (^3659) TAJ HOTELS INTERNATIONAL (^3660) KNIGHTS INNS (^3661) METROPOLE HOTELS (^3662) CIRCUS CIRCUS HOTEL AND CASINO (^3663) HOTELES EL PRESIDENTE (^3664) FLAG INN (^3665) HAMPTON INNS (^3666) STAKIS HOTELS (^3667) LUXOR HOTEL AND CASINO (^3668) MARITIM HOTELS (^3669) ELDORADO HOTEL AND CASINO (^3670) ARCADE HOTELS (^3671) ARCTIA HOTELS (^3672) CAMPANILE HOTELS (^3673) IBUSZ HOTELS (^3674) RANTASIPI HOTELS (^3675) INTERHOTEL CEDOK (^3676) MONTE CARLO HOTEL AND CASINO (^3677) CLIMAT DE FRANCE HOTELS (^3678) CUMULUS HOTELS (^3679) SILVER LEGACY HOTEL AND CASINO (^3680) HOTEIS OTHAN (^3681) ADAMS MARK HOTELS (^3682) SAHARA HOTEL AND CASINO (^3683) BRADBURY SUITES (^3684) BUDGET HOST INNS

October 2025

MCC

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

(^3685) BUDGETEL INNS (^3686) SUSSE CHALET (^3687) CLARION HOTELS (^3688) COMPRI HOTELS (^3689) CONSORT HOTELS (^3690) COURTYARD BY MARRIOTT (^3691) DILLON INNS (^3692) DOUBLETREE HOTELS (^3693) DRURY INNS (^3694) ECONOMY INNS OF AMERICA (^3695) EMBASSY SUITES (^3696) EXEL INNS (^3697) FAIRFIELD HOTELS (^3698) HARLEY HOTELS (^3699) MIDWAY MOTOR LODGE (^3700) MOTEL 6 (^3701) LA MANSION DEL RIO (^3702) THE REGISTRY HOTELS (^3703) RESIDENCE INNS (^3704) ROYCE HOTELS (^3705) SANDMAN INNS (^3706) SHILO INNS (^3707) SHONEY’S INNS (^3708) VIRGIN RIVER HOTEL AND CASINO (^3709) SUPER 8 MOTELS (^3710) THE RITZ-CARLTON (^3711) FLAG INNS (AUSTRALIA) (^3712) BUFFALO BILL’S HOTEL AND CASINO

October 2025

MCC

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

(^3713) QUALITY PACIFIC HOTEL (^3714) FOUR SEASONS HOTEL (AUSTRALIA) (^3715) FAIRFIELD INN (^3716) CARLTON HOTELS (^3717) CITY LODGE HOTELS (^3718) KAROS HOTELS (^3719) PROTEA HOTELS (^3720) SOUTHERN SUN HOTELS (^3721) HILTON CONRAD (^3722) WYNDHAM (^3723) RICA HOTELS (^3724) INTER NOR HOTELS (^3725) SEA PINES RESORT (^3726) RIO SUITES (^3727) BROADMOOR HOTEL (^3728) BALLY’S HOTEL AND CASINO (^3729) JOHN ASCUAGA’S NUGGET (^3730) MGM GRAND HOTEL (^3731) HARRAH’S HOTELS AND CASINOS (^3732) OPRYLAND HOTEL (^3734) HARVEY/BRISTOL HOTELS (^3735) MASTERS ECONOMY INNS (^3736) COLORADO BELLE/EDGEWATER RESORT (^3737) RIVIERA HOTEL AND CASINO (^3738) TROPICANA RESORT & CASINO (^3739) WOODSIDE HOTELS & RESORTS (^3740) TOWNEPLACE SUITES (^3741) MILLENNIUM HOTELS

October 2025

MCC

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

(^3742) CLUB MED (^3743) BILTMORE HOTEL & SUITES (^3744) CAREFREE RESORTS (^3745) ST. REGIS HOTEL (^3746) THE ELIOT HOTEL (^3747) CLUBCORP/CLUBRESORTS (^3748) WELLESLEY INNS (^3749) THE BEVERLY HILLS HOTEL (^3750) CROWNE PLAZA HOTELS (^3751) HOMEWOOD SUITES (^3752) PEABODY HOTELS (^3753) GREENBRIAR RESORTS (^3754) AMELIA ISLAND PLANTATION (^3755) THE HOMESTEAD (^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

October 2025

MCC

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

(^3770) SPRINGHILL SUITES (^3771) CAESAR’S HOTEL AND CASINO (^3772) NEMACOLIN WOODLANDS (^3773) THE VENETIAN RESORT HOTEL CASINO (^3774) NEW YORK-NEW YORK HOTEL AND CASINO (^3775) SANDS RESORT (^3776) NEVELE GRAND RESORT AND COUNTRY CLUB (^3777) MANDALAY BAY RESORT (^3778) FOUR POINTS HOTELS (^3779) W HOTELS (^3780) DISNEY RESORTS (^3781) PATRICIA GRAND RESORT HOTELS (^3782) ROSEN HOTELS AND RESORTS (^3783) TOWN AND COUNTRY RESORT & CONVENTION CENTER (^3784) FIRST HOSPITALITY HOTELS (^3785) OUTRIGGER HOTELS AND RESORTS (^3786) OHANA HOTELS OF HAWAII (^3787) CARIBE ROYALE RESORTS (^3788) ALA MOANA HOTEL (^3789) SMUGGLER’S NOTCH RESORT (^3790) RAFFLES HOTELS (^3791) STAYBRIDGE SUITES (^3792) CLARIDGE CASINO HOTEL (^3793) FLAMINGO HOTELS (^3794) GRAND CASINO HOTELS (^3795) PARIS LAS VEGAS HOTEL (^3796) PEPPERMILL HOTEL CASINO (^3797) ATLANTIC CITY HILTON RESORTS

October 2025

MCC

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

(^3798) EMBASSY VACATION RESORT (^3799) HALE KOA HOTEL (^3800) HOMESTEAD SUITES (^3801) WILDERNESS HOTEL AND RESORT (^3802) THE PALACE HOTEL (^3807) ELEMENT (^3808) LXR (^3811) PREMIER INN (^3812) HYATT PLACE (^3813) HOTEL INDIGO (^3814) THE ROOSEVELT HOTEL NY (^3815) NICKELODEON FAMILY SUITES BY HOLIDAY INN (^3816) HOME2SUITES (^3818) MAINSTAY SUITES (^3819) OXFORD SUITES (^3820) JUMEIRAH ESSEX HOUSE (^3821) CARIBE ROYALE (^3822) CROSSLAND (^3823) GRAND SIERRA RESORT (^3824) ARIA (^3825) VDARA (^3826) AUTOGRAPH (^3827) GALT HOUSE (^3828) COSMOPOLITAN OF LAS VEGAS (^3829) COUNTRY INN BY RADISSON (^3830) PARK PLAZA HOTEL (^3831) WALDORF (^3832) CURIO HOTELS

October 2025

MCC

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

(^3833) CANOPY (^3834) BAYMONT INN & SUITES (^3835) DOLCE HOTELS AND RESORTS (^3836) HAWTHORN BY WYNDHAM (^3837) HOSHINO RESORTS (^3838) KIMPTON HOTELS (^3839) KYORITSU HOTELS (^3840) RIO HOTELS (^3841) TRIBUTE PORTFOLIO (^3842) MARRIOT EXECUTIVE APARTMENTS (^3843) MOXY (^3844) AC HOTELS (^3845) BULGARI (^3846) THE LUXURY COLLECTION (^3847) JW MARRIOT (^3848) EDITION (^3849) MINACIA (^3850) BREEZBAY GROUP (^3851) CANDEO HOTELS (^3852) CORE GLOBAL MANAGEMENT HOTELS AND RESORTS (^3853) GRANBELL HOTELS AND RESORTS 4011 Railroads (^) Merchants classified with this MCC are railroads engaged in freight transport operations. Freight – Railroad and Train Transportation 4112 – Passenger Railways 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 suburban mass passenger transportation over regular routes and on regular schedules. Included in this category is railway commuter transportation. Not Commuter Transportation – Ferries Commuter Transportation – 4112 – Passenger Railways 4121 – Taxicabs and Limousines 4131 – Bus Lines

October 2025

MCC

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

included in this category are taxicabs, limousines, and
bus lines.

Railways
Transportation – Commuter,
Local, Suburban Commuter
Passenger Transportation

4789 – Transportation Services (Not
Elsewhere Classified)

(^4112) Passenger Railways Merchants classified with this MCC are railroads that primarily provide long distance passenger transportation. This may or may not include overnight accommodation on the train during long distance travel. Railways – Passenger Trains – Passenger 4011 – Railroads 4789 – Transportation Services (Not Elsewhere Classified) 4119 Ambulance Services (^) Merchants classified with this MCC provide emergency vehicle transportation with trained personnel. These Merchants may or may not provide emergency medical treatment enroute to a hospital or medical provider. Air Ambulance Services Emergency Vehicle Services Ambulance Services – Transportation 8099 – Medical Services and Health Practitioners (Not Elsewhere Classified) 4789 – Transportation Services (Not Elsewhere Classified) (^4121) Taxicabs and Limousines Merchants classified with this MCC provide transportation services by automobile and do not operate on a regular schedule or established route. This MCC includes ride-share Merchants. Cabs, Taxicabs, Limousines Transportation Services 4789 – Transportation Services (Not Elsewhere Classified) 4111 – Local and Suburban Commuter Passenger Transport 4131 Bus Lines^ Merchants classified with this MCC provide passenger bus transportation services on a regular schedule over predetermined routes. Not included are charter and tour bus operators. Coach Lines Transportation – Bus Lines 4722 – Travel Agencies and Tour Operators 4789 – Transportation Services (Not Elsewhere Classified) (^4214) Motor Freight Carriers and Trucking – Local and Long Distance, Moving and Storage Companies, and Local Delivery Services Merchants classified with this MCC provide local or long-distance trucking services and may or may not also provide storage services. Delivery Services – Local Freight Carriers, Trucking and Storage Local Delivery Service Long Distance Trucking Services 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. 4225 – Public Warehousing and Storage – Farm Products, Refrigerated Goods, Household Goods, and Storage

October 2025

MCC

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

4215 Courier Services – Air and Ground, and Freight Forwarders

(^) Merchants classified with this MCC deliver individually addressed letters, parcels, and packages, but excludes the Postal Services – Government Only (MCC 9402). Air or Ground Courier Services Freight Forwarders, Courier Services 4214 – Motor Freight Carriers and Trucking – Local and Long Distance, Moving and Storage 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 and warehousing for farm products, refrigerated storage for perishable products, and storage for household goods and furniture. Warehousing, Storage – Public Warehousing 4214 – Motor Freight Carriers and Trucking – Local and Long Distance, Moving and Storage Companies, and Local Delivery Services 4411 Steamship and Cruise Lines Merchants classified with this MCC provide passenger transportation on the open seas or inland waters for the purpose of vacation or pleasure. These Merchants typically offer food, entertainment, and cabin accommodations included in the fare and operate pre-defined and advertised routes. Ships – Cruise Lines 4111 – Local and Suburban Commuter Passenger Transportation, Including Ferries 4789 – Transportation Services (Not Elsewhere Classified) 4457 Boat Rentals and Leasing (^) Merchants classified with this MCC primarily provide boat rental and leasing services for fishing boats, non- crew houseboats, sail boats, power boats, jet skis, and yachts. Jet Skis – Rental, Leases Powerboats – Rental, Leases Rentals – Boats Sailboats – Rentals, Leases Yacht Rentals – Non-Crew 4468 – Marinas, Marine Service, and Supplies 7999 – Recreation Services (Not Elsewhere Classified) (^4468) Marinas, Marine Service, and Supplies Merchants classified with this MCC operate marinas and may rent boat slips and store boats. Other services may include boat cleaning, incidental boat repair, and the retail sale of marine supplies. Merchants located at a marina that sell fuel for consumer use in boats that do not have a separate Merchant agreement from the marina are included in this category. Harbors Services – Marine, Marina Supplies – Marinas, Marine Service, Yacht Harbors 4457 – Boat Rentals and Leasing 7999 – Recreation Services (Not Elsewhere Classified) 4511 Airlines and Air Carriers (Not Elsewhere Classified) (^) Merchants classified with this MCC are airlines and air carriers that do not have their own specific MCC. 3000 - 3350 – individual airline MCCs

October 2025

MCC

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

4582 Airports, Flying Fields, and Airport Terminals

Merchants classified with this MCC operate and
maintain airports and flying fields. This includes
Merchants that provide aircraft cleaning and janitorial
services, aircraft servicing and repair, aircraft storage
at airports, and airport hangar rental. Merchants
located within the airport terminal that sell food,
newspapers, and/or gift or souvenir items must be
classified with the appropriate MCC for that business.

Flying Fields
Terminals – Airports

4215 – Courier Services – Air and
Ground, and Freight Forwarders
4511 – Airlines and Air Carriers (Not
Elsewhere Classified)
5812 – Eating Places and
Restaurants
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 information and booking services. They act as agents on behalf of travelers in booking and ticketing air, land, or sea transportation and/or accommodation. They also arrange and assemble tours for sale through a travel agent or directly to the consumer. Bus charters and tour bus operators are included in this MCC. Charter Buses Package Tour Operators Tour Buses Travel Packages Travel Wholesalers 4112 – Passenger Railways 4121 – Taxicabs and Limousines 4131 – Bus Lines 4411 – Steamship and Cruise Lines 4511 – Airlines and Air Carriers (Not Elsewhere Classified) 4789 – Transportation Services (Not Elsewhere Classified) 5962 – Direct Marketing – Travel Related Arrangement Services 7011 – Lodging – Hotels, Motels, Resorts, Central Reservation Services (Not Elsewhere Classified) 7512 – Automobile Rental Agency 4723 Package Tour Operators – Germany Only (^) Merchants classified with this MCC are package tour operators in Germany. (^4784) Tolls and Bridge Fees Merchants classified with this MCC collect fees associated with toll roads, highways, and bridges. Bridge, Toll Fees Fees – Bridge, Toll (^4789) Transportation Services (Not Elsewhere Classified) Merchants classified with this MCC provide passenger transportation services that are not classified with a more specific MCC. This MCC includes Merchants that provide transportation via horse-drawn cabs and carriages, bicycle-taxis, aerial tramways, airport shuttles, and cable cars. Ferry service, bus transportation, cruise lines, passenger railways, and taxi and limousine service Merchants are not included in this category. Airport Shuttle Transportation Miscellaneous Transport Services Shuttle Transportation 4111 – Local and Suburban Commuter Passenger Transportation, Including Ferries 4112 – Passenger Railways 4121 – Taxicabs and Limousines 4131 – Bus Lines 4411 – Steamship and Cruise Lines 4722 – Travel Agencies and Tour Operators

October 2025

MCC

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

4812 Telecommunication Equipment and Telephone Sales

Merchants classified with this MCC sell
telecommunications equipment such as telephones,
fax machines, pagers, mobile phones, and other
equipment related to telecommunications.

Cellular Telephone
Equipment
Telecommunications
Equipment
Pagers, Paging Equipment
Telephone Equipment

4814 – Telecommunication Services,
including Local and Long-Distance
Calls, Credit Card Calls, Calls
Through Use of Magnetic Stripe
Reading Telephones, and Fax
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 telecommunications services including local and long- distance telephone calls, calls placed using magnetic stripe-reading telephones, and fax services. Merchants that provide periodic (e.g., monthly) billing of telephone calls should be classified with this MCC. Cellular Telephone Service Faxing Services Local Telecommunication Service Long Distance Telecommunication Service Prepaid Calling Cards – Telecommunication Service 4812 – Telecommunication Equipment and Telephone Sales (^4816) Computer Network/Information Services Merchants classified with this MCC provide internet access. This MCC includes all Merchants that provide computer network and information services and internet service providers. Electronic Bulletin Board Access Information Services – via Computer Networks Internet Payment Facilitators Website Management/Maintenance Internet Service Providers 7372 – Computer Programming, Data Processing, and Integrated Systems Design Services 4821 Telegraph Services Merchants classified with this MCC that provide telegraph and other nonverbal message communications services such as telegrams. Cablegrams Cablegrams Services Telegraph Services 4814 – Telecommunication Services, including Local and Long-Distance Calls, Credit Card Calls, Calls Through Use of Magnetic Stripe Reading Telephones, and Fax Services (^4829) Money Transfer Merchants classified with this MCC allow customers to transfer funds via an electronic funds transfer / wire transfer / remittance to a named entity (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). Wire Transfer 4821 – Telegraph Services 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

October 2025

MCC

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

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 connection and ongoing delivery of television/radio/streaming content on a subscription or fee basis. Pay Radio Services Pay Television Services Cable 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 ongoing generation, transmission, and/or distribution of electric or gas power or other utility services. This MCC also includes Merchants that provide water supply system services and Merchants primarily engaged in the collection and disposal of refuse. Electric Utilities Services Garbage Collectors Gas Utilities Services Public Utilities Sanitary Utilities Services Waste Management Services Water Utilities 4814 – Telecommunication Services, including Local and Long Distance Calls, Credit Card Calls, Calls Through Use of Magnetic Stripe Reading Telephones, and Fax Services (^5013) Motor Vehicle Supplies and New Parts Merchants classified with this MCC are business-to- business or wholesale distributors of motor vehicle accessories, tools, equipment and new parts, including electric vehicle charging equipment designed for commercial use, testing equipment, service station pumps and other equipment, glass, batteries, and engines. Automobile – Motor Vehicle Supplies, New Parts Parts – Motor Vehicle Supplies, New Parts 5532 – Automotive Tire Stores 5533 – Automotive Parts and Accessories Stores 7531 – Automotive Body Repair Shops 7538 – Automotive Service Shops (non-dealer) 5021 Office and Commercial Furniture (^) Merchants classified with this MCC are business-to- business or wholesale manufacturers and/or distributors of office and commercial furniture. Furniture – Office, Commercial 5047 – Medical, Dental, Ophthalmic and Hospital Equipment and Supplies 5712 – Furniture, Home Furnishings and Equipment Stores, Except Appliances 5039 Construction Materials (Not Elsewhere Classified ) (^) Merchants classified with this MCC are business-to- business or wholesale distributors of construction materials and parts that are not classified with a more specific MCC. Supplies – Construction Materials 1761 – Roofing, Siding, and Sheet Metal Work Contractors 5072 – Hardware, Equipment and Supplies

October 2025

MCC

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

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- business or wholesale distributors of office and photographic equipment such as film, cash registers, photocopy machines, microfilm machines, vaults and safes, typewriters, fax machines, adding machines, and mailing machines. Copy Services – Photographic, Photocopy, Microfilm Supplies Equipment – Photographic, Photocopy, Microfilm Equipment, Supplies – Photographic, Photocopy, Microfilm Equipment 5021 – Office and Commercial Furniture 5045 – Computers and Computer Peripheral Equipment and Software 5943 – Stationery Stores, Office and School Supply Stores 5946 – Camera and Photographic Supply Stores 7338 – Quick Copy, Reproduction, 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- business or wholesale distributors of computer hardware, software and related equipment. Equipment – Computers, Computer Peripheral Equipment, Computer Hardware Computer Software Computer Supplies 5021 – Office and Commercial Furniture 5732 – Electronics Stores 5734 – Computer Software Stores 7379 – Computer Maintenance, Repair and Services (Not Elsewhere Classified) 5046 Commercial Equipment (Not Elsewhere Classified) (^) Merchants classified with this MCC are business-to- business or wholesale distributors of commercial machines and equipment that are not classified with a more specific MCC. Appliance Wholesaler Commercial Cooking, Food Service Equipment Restaurant Equipment – Supplies – Commercial Equipment 5021 – Office and Commercial Furniture 5712 – Furniture, Home Furnishings and Equipment Stores, Except Appliances 7394 – Equipment, Tool, Furniture, and Appliance Rental and Leasing

October 2025

MCC

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

5047 Medical, Dental, Ophthalmic and Hospital Equipment and Supplies

(^) Merchants classified with this MCC are business-to- business or wholesale distributors of laboratory, surgical, dental, or orthopedic equipment, patient monitoring equipment, wheelchairs, and other medical instruments, industrial safety devices, hospital equipment and hospital furniture, such as beds. Dental Equipment, Supplies Medical Equipment – Ophthalmic, Orthopedic Hospital Equipment, Supplies Orthodontia Supplies Safety Equipment X-Ray Equipment 2842 – Specialty Cleaning, Polishing and Sanitation Preparations 5021 – Office and Commercial Furniture 5051 Metal Service Centers and Offices Merchants classified with this MCC are business-to- business or wholesale marketers of semi-finished metal products, excluding precious metals. These Merchants may sell metal piping and tubing, wire screening and bale ties, nails, ingots, aluminum bars, rails and accessories, metal or galvanized sheets, strip metal, iron rods, and wire rope or cable. 5094 – Precious Stones and Metals, Watches and Jewelry 5944 – Jewelry Stores, Watches, Clocks and Silverware Stores 5065 Electrical Parts and Equipment Merchants classified with this MCC are business-to- business or wholesale distributors of electrical parts and communications equipment, such as electronic coils, capacitors, electronic condensers, diodes, semiconductor devices, public address equipment, and electric signs. Communications Equipment Electrical Parts Equipment and Supplies 4812 – Telecommunications Equipment and Telephone Sales 5732 – Electronics Stores 5072 Hardware, Equipment and Supplies (^) Merchants classified with this MCC are business-to- business or wholesale distributors of general hardware and cutlery such as bolts, nuts, rivets, screws, fasteners, hand tools, locks, washers, tacks, staples, nails, hand saws, saw blades, and power hand tools. Hardware, Equipment and Supplies Hand Tools Supplies 5251 – Hardware Stores 5074 Plumbing and Heating Equipment and Supplies^ (^) Merchants classified with this MCC are business-to- business or wholesale distributors of hydraulic plumbing and heating equipment and supplies. This MCC does not include wholesalers of commercial refrigeration equipment or supplies or appliances such as electric or gas ranges and commercial ovens. Heating Equipment and Supplies Plumbing Equipment and Supplies Equipment – Water Conditioning, Purification, Softening 5046 – Commercial Equipment (Not Elsewhere Classified) 5072 – Hardware, Equipment and Supplies 5251 – Hardware Stores 5722 – Household Appliance Stores 7299 – Miscellaneous Personal Services (Not Elsewhere Classified)

October 2025

MCC

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

5085 Industrial Supplies (Not Elsewhere Classified)

Merchants classified with this MCC are business-to-
business or wholesale distributors of industrial
supplies that are not classified with a more specific
MCC. Products for sale may include abrasives,
bearings, boxes, cans, crates, cork,
gaskets, grommets, hydraulic valves, hoses,
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.

Supplies – Industrial
5072 – Hardware Equipment and
Supplies
5169 – Chemicals and Allied
Products (Not Elsewhere Classified)
5251 – Hardware Stores

5094 Precious Stones and Metals, Watches and Jewelry

(^) Merchants classified with this MCC are business-to- business or wholesale distributors of jewelry, precious stones and metals. This MCC also includes wholesalers of costume jewelry, watches and watch parts, clocks, silverware, diamonds and gemstones, precious metals, pearls, and trophies. Gemstones, Precious Stones, Metals, Watches, Jewelry Jewelry – Fine Watches 5944 – Jewelry, Watches, Clocks and Silverware Stores 7699 – Miscellaneous Repair Shops and Related Services 5099 Durable Goods (Not Elsewhere Classified) (^) Merchants classified with this MCC are business-to- business or wholesale distributors of durable goods that are not classified with a more specific MCC. Fire Extinguishers Firearms, Ammunition Gas Lighting Fixtures Goods – Durable Gravestones Luggage (Business to Business) Monuments Musical Instruments Rough Timber Products Signs 5065 – Electrical Parts and Equipment 5941 - Sporting Goods Stores 5999 - Miscellaneous and Specialty Retail Shops 5111 Stationery, Office Supplies, Printing and Writing Paper (^) Merchants classified with this MCC are business-to- business or wholesale distributors of stationery and office supplies and printing and writing paper. Business Supplies – Stationery, Office, Printing, Writing Supplies Paper – Writing, Printing, Stationery, Office Supplies Printing Supplies 5021 – Office and Commercial Furniture 5044 – Photographic, Photocopy, Microfilm Equipment and Supplies 5943 – Stationery Stores, Office 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- business or wholesale distributors of prescription drugs, proprietary drugs, druggists’ sundries, Distributors – Drugs, Druggists’ Sundries, Pharmaceuticals 5047 – Medical, Dental, Ophthalmic and Hospital Equipment and Supplies

October 2025

MCC

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

pharmaceuticals, and biological or related products. Supplies – Drugs, Drug
Proprietaries, Druggist
Sundries,

5912 – Drug Stores and Pharmacies

5131 Piece Goods, Notions, and Other Dry Goods

(^) Merchants classified with this MCC are business-to- business or wholesale distributors of piece goods, dry goods, and notions/haberdashery. Fabric Goods Hair Accessories Notions Sewing Accessories Supplies – Millinery Textiles, Textile Binding 5719 – Miscellaneous Home Furnishing Specialty Stores 5949 – Sewing, Needlework, Fabric and Piece Goods Stores 5137 Men’s, Women’s, and Children’s Uniforms and Commercial Clothing (^) Merchants classified with this MCC are business-to- business or wholesale distributors of commercial work clothing and uniforms. This MCC includes wholesale distributors of graduation caps and gowns, athletic and recreational uniforms, and school uniforms, but not shoes. Children’s Uniforms Commercial Clothing – Men’s, Women’s, Children’s Men’s Uniforms Professional Uniforms Women’s Uniforms 5139 – Commercial Footwear 5611 – Men’s and Boys’ Clothing and Accessories Stores 5621 – Women’s Ready-To-Wear Stores 5631 – Women’s Accessory and Specialty Shops 5641 – Children’s and Infants’ Wear Stores 5651 – Family Clothing Stores 5655 – Sports and Riding Apparel Stores 5661 – Shoe Stores 5681 – Furriers and Fur Shops 5691 – Men’s and Women’s Clothing Stores 5697 – Tailors, Seamstresses, Mending, and Alterations 5699 – Miscellaneous Apparel and Accessory Shops 5139 Commercial Footwear (^) Merchants classified with this MCC are business-to- business or wholesale distributors of commercial shoes and boots including athletic footwear. Footwear – Commercial Shoes, Shoe Accessories – Commercial 5661 – Shoe Stores 5169 Chemicals and Allied Products (Not Elsewhere Classified) (^) Merchants classified with this MCC are business-to- business or wholesale distributors of chemicals and allied products that are not classified with a more specific MCC. Products for sale are typically used for industrial purposes. Examples include industrial acids, ammonia and alcohol, heavy, aromatic and other chemicals, chlorine, compressed and liquefied Detergents Supplies – Chemicals, Allied Products 2842 – Specialty Cleaning, Polishing and Sanitation Preparations 5999 – Miscellaneous and Specialty Retail Stores

October 2025

MCC

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

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- business or wholesale distributors of petroleum and petroleum products, butane gas, crude oil, fuel oil, gasoline, kerosene, lubricating oils and greases, aircraft fueling services, and naphtha. Fuel Products, Services Fueling Services 5169 – Chemicals and Allied Products (Not Elsewhere Classified) 5983 – Fuel Dealers – Fuel Oil, Wood, Coal, and Liquefied Petroleum 5192 Books, Periodicals and Newspapers^ (^) Merchants classified with this MCC are business-to- business or wholesale distributors of books, periodicals, magazines, journals, and newspapers, including newspaper agencies. Journals Magazines Newspapers, Newspaper Agencies Periodicals 2741 – Miscellaneous Publishing and Printing 5942 – Book Stores 5968 – Direct Marketing – Continuity/Subscription Merchant 5994 – News Dealers and Newsstands 5193 Florists Supplies, Nursery Stock and Flowers (^) Merchants classified with this MCC are business-to- business or wholesale distributors of flowers, nursery stock and florists’ supplies, fresh and artificial flowers, and potted plants. Gardening Supplies Nursery Stock Plants Supplies – Florist Supplies, Nursery Stock, Flowers 5261 – Nurseries and Lawn and Garden Supply Stores 5992 – Florists 5198 Paints, Varnishes and Supplies (^) Merchants classified with this MCC are business-to- business or wholesale distributors of paints, varnishes, wallpaper, and supplies, including colors and pigments, enamels, lacquers, paint brushes, paint pans, sandpaper, drop cloths, shellac, rollers, and sprayers. Varnishes, Paints, Supplies 5231 – Glass, Paint, and Wallpaper Stores 5199 Nondurable Goods (Not Elsewhere Classified) (^) Merchants classified with this MCC are business-to- business or wholesale distributors of nondurable goods that are not classified with a more specific MCC, such as food products, art goods, clothes hangers, foam rubber, ice, crude rubber, sponges, textile bags, burlap, canvas products, leather, and baskets. Goods – Nondurable 5131 – Piece Goods, Notions, and Other Dry Goods 5948 – Luggage and Leather Goods Stores

October 2025

MCC

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

5200 Home Supply Warehouse Stores

(^) Merchants classified with this MCC sell a wide range of home products such as wallpaper, paint, lumber, garden supplies, electrical equipment and supplies and home decorating items, as well as sinks, cabinets and doors. Warehouse Stores – Home Supply 5211 – Lumber and Building Materials Stores 5231 – Glass, Paint, and Wallpaper Stores 5251 – Hardware Stores 5713 – Floor Covering Stores 5211 Lumber and Building Materials Stores (^) Merchants classified with this MCC sell of one or more of the following products: lumber, unfinished wood products, lighting materials, concrete, sand, gravel, general building or electrical supplies, bricks, fencing, pipe, fiberglass, or molding. This MCC includes building centers that offer their products to contractors rather than to the general public and does not include home supply store chains that are frequented by the general public. Building Materials Construction Materials Lumber, Building Materials and Supplies – Roofing Materials 5200 – Home Supply Warehouse Stores 5231 – Glass, Paint, and Wallpaper Stores 5251 – Hardware Stores 5713 – Floor Covering Stores 5718 – Fireplace, Fireplace Screens and Accessories Stores 5231 Glass, Paint, and Wallpaper Stores (^) Merchants classified with this MCC sell glass, paint and painting supplies, wallpaper and hanging supplies, and other wall covering materials. Paint, Painting Supplies Supplies – Glass Wallpaper, Wallcovering Supplies Store 5039 – Construction Materials (Not Elsewhere Classified) 5200 – Home Supply Warehouse Stores 5251 – Hardware Stores 5251 Hardware Stores (^) Merchants classified with this MCC sell a full range of hardware supplies for purchase by the general public. Electrical Supplies Hand Tools Lighting Fixtures Supplies Plumbing Supplies Power Tools Supplies – Hardware Stores 5200 – Home Supply Warehouse Stores 5231 – Glass, Paint, and Wallpaper Stores 5713 – Floor Covering Stores 5718 – Fireplace, Fireplace Screens and Accessories Stores 5261 Nurseries and Lawn and Garden Supply Stores^ (^) Merchants classified with this MCC sell nursery stock, trees, shrubs, other plants, seeds, bulbs, mulches, soil conditioners, fertilizers, pesticides, garden tools, and other garden supplies. Gardening Supplies Greenhouses Lawn, Garden Supply Stores Plant Shops

• Nurseries Supplies

0780 – Landscaping and
Horticultural Services
5992 – Florists

October 2025

MCC

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

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 mobile homes and related parts, accessories, and equipment. Dealers – Mobile Home, Parts, Equipment Equipment – Mobile Home Parts 5561 – Camper, Recreational and Utility Trailer Dealers 5592 – Motor Home Dealers 5599 – Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers (Not Elsewhere Classified) 5300 Wholesale Clubs (^) Merchants classified with this MCC sell a full range of goods (often in bulk) and services in warehouse-style stores. These Merchants may or may not have membership requirements. Club Stores – Wholesale Clubs Discount Goods – Wholesale Clubs Warehouse Retail – Wholesale Clubs 5200 – Home Supply Warehouse Stores 5310 – Discount Stores 5311 – Department Stores 5331 – Variety Stores 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 gift and import items that are typically exempt from customs fees, such as liquor, perfume, and jewelry. 5921 – Package Stores – Beer, Wine, and Liquor 5944 – Jewelry Stores 5999 – Miscellaneous and Specialty Retail Stores 5310 Discount Stores (^) Merchants classified with this MCC sell a general line of merchandise and offer it at a discounted rate. (^5300) – Wholesale Clubs 5311 – Department Stores 5331 – Variety Stores 5399 – Miscellaneous General Merchandise

October 2025

MCC

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

5931 – Used Merchandise and
Secondhand Stores

5311 Department Stores

(^) Merchants classified with this MCC sell a general line of apparel, home furnishings, furniture, electronics, cosmetics, housewares, and major household appliances. These stores have departments that usually have their own separate check-out counters. (^5300) – Wholesale Clubs 5331 – Variety Stores 5399 – Miscellaneous General Merchandise 5931 – Used Merchandise and Secondhand Stores 5331 Variety Stores (^) Merchants classified with this MCC sell a limited selection of various products in a lower price range. Generally, these Merchants sell the same type of merchandise and operate in the same manner as a discount store, but on a much smaller scale. (^5310) – Discount Stores 5311 – Department Stores 5399 – Miscellaneous General Merchandise 5931 – Used Merchandise and Secondhand Stores 5947 – Gift, Card, Novelty and Souvenir Shops 5399 Miscellaneous General Merchandise (^) Merchants classified with this MCC sell a general line of merchandise. Generally, these Merchants sell the same type of merchandise and operate in the same manner as a department store, but on a much smaller scale. General Merchandise – Miscellaneous 5300 – Wholesale Clubs 5310 – Discount Stores 5311 – Department Stores 5331 – Variety Stores 5931 – Used Merchandise and Secondhand Stores 5411 Grocery Stores and Supermarkets (^) Merchants classified with this MCC sell a complete, full line of food merchandise for home consumption. Most of the food merchandise is perishable, and perishables* must represent at least 45% of Merchant’s total monthly sales volume, measured in local currency. In addition, they also sell canned, 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 Food Stores Grocery Stores Supermarkets 5422 – Freezer and Locker Meat Provisioners 5451 – Dairy Products Stores 5499 – Miscellaneous Food Stores – Convenience Stores and Specialty Markets

October 2025

MCC

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

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, or cured meats, fish, shellfish, and other seafoods. This MCC also includes bulk retail sellers of meat for freezer storage and home freezer plans. Butcher Shops Fish, Seafood Markets Frozen Meats Meat Markets Meat Lockers 5411 – Grocery Stores and Supermarkets 5499 – Miscellaneous Food Stores – Convenience Stores and Specialty Markets 5441 Candy, Nut, and Confectionery Stores (^) Merchants classified with this MCC are retail sellers of candy, chocolate, nuts, dried fruits, popcorn and other confections. Chocolate Shops Confectionery Shops Dried Fruit Shops Nut Shops Popcorn Stands 5451 – Dairy Product Stores 5462 – Bakeries 5499 – Miscellaneous Food Stores – Convenience Stores and Specialty Markets 5451 Dairy Products Stores (^) Merchants classified with this MCC sell packaged butter, cheese, ice cream, milk, and other dairy products. Cheese Shops 5499 – Miscellaneous Food Stores – Convenience Stores and Specialty Markets 5814 – Fast Food Restaurants 5462 Bakeries (^) Merchants classified with this MCC sell (and may make) bakery goods. Bagel Shops Cake Shops Cookie Stores Doughnut Shops Pastry Shops Pie Shops Wedding Cakes 5499 – Miscellaneous Food Stores – Convenience Stores and Specialty Markets

October 2025

MCC

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

5499 Miscellaneous Food Stores – Convenience Stores and Specialty Markets

(^) Merchants classified with this MCC sell specialty foods not classified with a more specific MCC. Convenience Stores Delicatessens Food Stores – Convenience Fruit Markets Gourmet Food Stores Health Food Stores Mini Markets Poultry Shops Produce Markets Specialty Food Markets Vegetable Markets Vitamin Stores Meal Preparation Kits 5411 – Grocery Stores and Supermarkets 5422 – Freezer and Locker Meat Provisioners 5441 – Candy, Nut, and Confectionery Stores 5451 – Dairy Products Stores 5462 – Bakeries 5541 – Service Stations (with or without Ancillary Services 5814 – Fast Food Restaurants 5511 Car and Truck Dealers (New and Used) Sales, Service, Repairs, Parts, and Leasing^ (^) Merchants classified with this MCC sell and/or lease new and used automobiles, trucks, pickups, and vans and may also conduct repair work and sell replacement parts and accessories. Automobile/Truck Dealers (New/Used) - Sales, Service, Repairs, Parts, Leasing Car Dealers (New/Used) Motor Vehicle Dealers (New/Used) 5521 – Car and Truck Dealers (Used Only) Sales, Service, Repairs, Parts, and Leasing 5532 – Automotive Tire Stores 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) 5521 Car and Truck Dealers (Used Only) Sales, Service, Repairs, Parts, and Leasing (^) Merchants classified with this MCC sell and/or lease only used automobiles, trucks, pickups and vans and may also conduct repair work and sell replacement parts and accessories. Antique Automobiles Dealers Automobiles/Trucks (Used Only) Dealers Car Dealers (Used Only) 5511 – Car and Truck Dealers (New/Used) Sales, Service, Repairs, Parts, and Leasing 5532 – Automotive Tire Stores 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,

October 2025

MCC

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

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 and truck tires and related parts and may also conduct tire installation and repair services. Car Tires – New Only Repairs – Automotive Tire Stores Services – Automotive Tire Stores Tire Stores 5533 – Automotive Parts and Accessories Stores 7534 – Tire Retreading and Repair Shops 7538 – Automotive Service Shops (Non-Dealer) 5533 Automotive Parts and Accessories Stores (^) Merchants classified with this MCC sell automobile parts, equipment, and accessories, including electric vehicle charging equipment designed for personal use. Automotive Parts and Accessories Automobile – Parts, Accessories Stores Car Parts, Accessories Stores Motor Vehicle Supplies, Parts Supplies – Automotive Parts 5532 – Automotive Tires Stores 5732 – Electronics Stores 5541 Service Stations (With or without Ancillary Services) (^) Merchants classified with this MCC are retail sellers of engine fuel These Merchants may or may not also have a convenience store, car wash, or automotive repair shop on the premises, but must sell fuel for consumer use. Excluded from this category code are Automated Fuel Dispensers , MCC 5542 Filling Stations – Automotive Gasoline Gas Stations (With or Without Ancillary Services) Gasoline – Service Stations Marina Service Stations Petrol – Service Stations Truck Stops – Gasoline Service 5542 – Automated Fuel Dispensers 7538 – Automotive Service Shops (Non-Dealer) 5542 Automated Fuel Dispensers (^) Merchants classified with this MCC are retail sellers of engine fuel through the use of an Automated Fuel Dispenser (AFD). Cardholder-Activated Fuel Dispensers Fuel Dispensers – Automated Gas Pumps (Automated Fuel Dispensers) Fuel – Self-Service Terminals Petrol Dispensers – Automated Petrol – Self- Service Terminals 5541 – Service Stations (With or Without Ancillary Services) 7538 – Automotive Service Shops (Non-Dealer)

October 2025

MCC

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

Self-Service Terminals –
Fuel
Self-Service Terminals –
Petrol

5551 Boat Dealers

(^) Merchants classified with this MCC sell new and used motorboats, sailboats, and other watercraft, marine supplies, and outboard motors. Dealers – Boat Motorboat Dealers Outboard Motor Dealers Powerboat Dealers Sailboat Dealers 4468 – Marinas, Marine Service, and Supplies 5552 Electric Vehicle Charging (^) Merchants classified with this MCC sell electricity for the purpose of fueling an automobile 5541 –^ Service Stations (With or Without Ancillary Services 5542 – Automated Fuel Dispensers 7523 – Parking Lots, Parking Meters and Garages (^5561) Camper, Recreational and Utility Trailer Dealers (^) Merchants classified with this MCC sell new and used campers, recreational and utility trailers, and related parts and accessories. Accessories – Recreational Vehicles Camper Dealers Dealers – Recreational, Utility Trailers, Camper Dealers Parts, Recreational Vehicles RV, Camper Dealers Recreational Vehicle Dealers, Parts, Accessories Trailers – Utility Utility Trailers 5571 – Motorcycle Shops and Dealers 5592 – Motor Home Dealers 5598 – Snowmobile Dealers 5599 – Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers (Not Elsewhere Classified) 5571 Motorcycle Shops and Dealers (^) Merchants classified with this MCC sell new and used motorcycles, motor scooters, mopeds and related parts, equipment, clothing, and accessories. Dealers – Motorcycle, Moped, Motor Scooters Moped Dealers Motorcycle Parts, Accessories and Supplies Motor Scooter Dealers, Parts, Accessories 5599 – Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers (Not Elsewhere Classified)

October 2025

MCC

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

5592 Motor Homes Dealers

(^) Merchants classified with this MCC sell new and used motor homes and related parts and accessories. Dealers – Motor Homes 5271 – Mobile Home Dealers 5561 – Camper, Recreational and 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 snowmobiles and related parts and accessories. Dealers – Snowmobiles 5561 – Camper, Recreational and 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 aircraft and/or automotive, farm, and recreational vehicles, parts, equipment and supplies not classified with a more specific MCC. Airplane, Aircraft Dealers All-Terrain Vehicle Dealers Automotive Dealers – Miscellaneous Dealers – Golf Carts Plane Dealers 5511 – Car and Truck Dealers (New and Used) Sales, Service, Repairs, Parts, and Leasing 5521 – Car and Truck Dealers (Used Only) Sales, Service, Repairs, Parts, and Leasing 5551 – Boat Dealers 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 boys’ ready-to-wear clothing and accessories. Accessories – Men’s, Boys’ Clothing Apparel – Men’s, Boys’ Clothing Boys’ Clothing, Accessories Accessory Stores Hat Shops Men’s Necktie Stores Tie Shops 5651 – Family Clothing Stores 5691 – Men’s and Women’s Clothing Stores 5621 Women’s Ready-To-Wear Stores (^) Merchants classified with this MCC sell a general line of women’s ready-to-wear and special-event clothing. Apparel – Women’s Ready- To-Wear Stores Bridal Shops Clothing – Women’s Ready-To-Wear Stores Coat Stores – Women’s 5631 – Women’s Accessory and Specialty Shops 5651 – Family Clothing Stores 5655 – Sports and Riding Apparel Stores 5681 – Furriers and Fur Shops

October 2025

MCC

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

Dress Shops
Maternity Stores
Outerwear Stores –
Women’s

5691 – Men’s and Women’s Clothing
Stores
5699 – Miscellaneous Apparel and
Accessory Shops

5631 Women’s Accessory and Specialty Shops

(^) Merchants classified with this MCC sell women’s clothing accessories, including handbags, hats, costume jewelry, scarves, belts, hair accessories, lingerie, and hosiery. Accessories – Women’s Accessory, Specialty Shops Apparel – Women’s Accessory, Specialty Shops Clothing – Women’s Accessory, Specialty Shops Costume Jewelry Shops Handbag Stores Hat Shops – Women’s Lingerie Stores 5621 – Women’s Ready-To-Wear Stores 5699 – Miscellaneous Apparel and Accessory Shops 5641 Children’s and Infants’ Wear Stores (^) Merchants classified with this MCC sell children’s and infants’ clothing and accessories. Apparel – Children’s, Infants’ Wear Baby and Infants Clothing Children’s, Infants’ Wear Stores 5651 – Family Clothing Stores 5699 – Miscellaneous Apparel and Accessory Shops 5651 Family Clothing Stores (^) Merchants classified with this MCC sell general lines of men’s, women’s, and children’s clothing and accessories without specializing in sales for a particular gender or age group. Apparel – Family Clothing Stores Clothing – Family Clothing Stores Jeans, Denim Clothing Stores 5611 – Men’s and Boys’ Clothing and Accessory Stores 5621 – Women’s Ready-To-Wear Stores 5631 – Women’s Accessory and 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, sports, and riding apparel and active wear. Active Wear – Sports Apparel Apparel – Sports, Riding Apparel Stores 5661 – Shoe Stores 5699 – Miscellaneous Apparel and Accessory Shops 5941 – Sporting Goods Stores

October 2025

MCC

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

Athletic Apparel Stores
Clothing –
Equestrian Apparel

5661 Shoe Stores

(^) Merchants classified with this MCC sell men’s, women’s, and/or children’s footwear (including athletic footwear) and accessories. Athletic Shoe Stores Boot Shops Footwear Stores Western Boot Shops 5681 Furriers and Fur Shops (^) Merchants classified with this MCC sell a variety of items made of animal fur, including coats, jackets, hats, and gloves. Apparel – Furriers, Fur Shops Clothing – Furriers, Fur Shops Coat Stores – Furriers 5621 – Women’s Ready-To-Wear Shops 5631 – Women’s Accessory and Specialty Shops 5691 – Men’s and Women’s Clothing Stores 5699 – Miscellaneous Apparel and Accessory Shops 5691 Men’s and Women’s Clothing Stores (^) Merchants classified with this MCC sell men’s and women’s clothing and accessories but not infants’ and children’s clothing. Apparel – Men’s Clothing Stores Clothing – Women’s Clothing Stores 5611 – Men’s and Boys’ Clothing and Accessories Stores 5621 – Women’s Ready-To-Wear 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 custom-made clothing and perform alterations, mending, and garment repair or restoration. Alterations Apparel – Tailors, Seamstresses, Mending, Alterations Clothing – Tailors, Seamstresses, Mending, Alterations Custom Made Clothing Dressmakers Hand Made Clothing 5949 – Sewing, Needlework, Fabric and Piece Goods Stores

October 2025

MCC

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

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 attached or temporary toupees, wigs, hair pieces, and hair extensions or provide hair weaving services. Hair Pieces, Extensions Hair Replacement – Non- Surgical Toupee Stores 5999 – Miscellaneous and Specialty Retail Stores 7230 – Beauty and Barber Shops 8099 – Medical Services and Health Practitioners (Not Elsewhere Classified) 5699 Miscellaneous Apparel and Accessory Shops (^) Merchants classified with this MCC sell specialized lines of apparel (excluding fur) and accessories that are not classified with a more specific MCC. Clothing – Formal Wear Clothing – Miscellaneous Apparel, Accessory Shops Swim Wear Shop T-Shirt Stores 5611 – Men’s and Boys’ Clothing and Accessories Stores 5621 – Women’s Ready-to-Wear 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 furnishings and a wide variety of finished furniture products and accessories for the home. Bedding, Mattress Stores Custom Made Furniture Equipment Stores Home Furnishings, Furniture Made-to-Order Furniture Mattress Stores Outdoor Furnishings Patio, Porch Furnishings Stores 5713 – Floor Covering Stores 5714 – Drapery, Window Covering, and Upholstery Stores 5719 – Miscellaneous Home Furnishing Specialty Stores 5722 – Household Appliance Stores 5732 – Electronics Stores 7641 – Furniture – Reupholstery, Repair, and Refinishing

October 2025

MCC

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

5713 Floor Covering Stores

(^) Merchants classified with this MCC are retail sellers of floor coverings such as carpet, area rugs, floor tile, linoleum, stone, wood, and brick, and may or may not also perform installation services. Carpet, Rug Stores Linoleum Stores Rug Stores Tile Stores 5712 – Furniture, Home Furnishings and Equipment Stores, Except Appliances 5719 – Miscellaneous Home Furnishing Specialty Stores 1799 – Special Trade Contractors (Not Elsewhere Classified) 5714 Drapery, Window Covering, and Upholstery Stores^ (^) Merchants classified with this MCC sell draperies, curtains, venetian blinds, window shades, and upholstery materials. Curtain Stores Upholstery Materials Stores Window-covering Stores 5712 – Furniture, Home Furnishings and Equipment Stores, Except 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 fireplaces, wood stoves, and fireplace parts and accessories. Hearth, Accessories Stores Heating – Fireplace, Accessories Stores Stoves – Fireplaces Accessories Stores Woodburning Stoves, Accessories Stores 1740 – Masonry, Stonework, Tile Setting, Plastering and Insulation Contractors 5251 – Hardware Stores 5719 – Miscellaneous Home Furnishing Specialty Stores 5719 Miscellaneous Home Furnishing Specialty Stores (^) Merchants classified with this MCC sell miscellaneous home furnishings such as housewares, cutlery, bedding and linen, lamps and shades, mirrors and pictures, pottery, and ceramic items. Accessories – Home Furnishings Bed, Bath Shops Cookware Stores Cutlery – Kitchen Home Furnishing Specialty Stores – Miscellaneous Housewares Stores Kitchenware Stores Lamp, Lighting Shops Linen Shops Pottery Stores 5712 – Furniture, Home Furnishings and Equipment Stores, Except Appliances 5713 – Floor Covering Stores 5714 – Drapery, Window Covering, and Upholstery Stores 5718 – Fireplace, Fireplace Screens and Accessories Stores 5722 – Household Appliance Stores 5932 – Antique Shops – Sales, Repairs, and Restoration Services 5950 – Glassware/Crystal Stores 5722 Household Appliance Stores (^) Merchants classified with this MCC sell household appliances such as gas or electric ranges and stoves, ovens, refrigerators, dishwashers, water heaters, washers and dryers, garbage disposals, sewing machines, self-contained air conditioning units, and Sewing Machine Stores Vacuum Cleaner Stores 5712 – Furniture, Home Furnishings and Equipment Stores, Except Appliances 5719 – Miscellaneous Home

October 2025

MCC

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

vacuum cleaners, and may or may not also conduct
repair work.

Furnishing Specialty Stores
7623 – Air Conditioning and
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
ammunition. Merchants whose primary business
involves the sale of guns and/or ammunition will use
this MCC.

This MCC should only be
used in those jurisdictions
where it is legally required

5941 – Sporting Goods Stores
5999 – Miscellaneous and Specialty
Retail Shops

5732 Electronics Stores

(^) Merchants classified with this MCC sell a wide variety of electronic goods such as televisions, radios, cameras, computers, tablets, and stereo components and may also sell electronic parts and or accessories for the repair, construction or assembly of electronic equipment and/or also conduct repair work. Camcorders (And Other Electronics) Computer Hardware (And Other Electronics) Electronic Parts Electronic Repair Shops High Fidelity Equipment Personal Computers Radios Stereos, Receivers, CD Equipment Television Stores VCR’s Video Cameras (And Other Electronics) 5722 – Household Appliance Stores 5946 – Camera and Photographic Supply Stores 7622 – Electronics Repair Shops 7629 – Electrical and Small Appliance Repair Shops 7699 – Miscellaneous Repair Shops and Related Services 7841 – DVD/Video Tape Rental Stores 5733 Music Stores – Musical Instruments, Pianos, and Sheet Music (^) Merchants classified with this MCC sell musical instruments, sheet music, keyboards, instruction books, pianos, guitars and related supplies and equipment and may also offer music instruction. Guitar Stores Musical Instruments Pianos 5732 – Electronics Stores 5735 – Record Stores 8299 – Schools and Educational Services (Not Elsewhere Classified) 5734 Computer Software Stores^ (^) Merchants classified with this MCC sell computer software programs for business and personal use and may also sell or lease computer hardware or other related products. Merchants that sell applications for mobile devices should use MCC 5817. 5732 – Electronics Stores 7372 – Computer Programming, Data Processing, and Integrated Systems Design Services 7379 – Computer Maintenance, Repair and Services (Not Elsewhere Classified)

October 2025

MCC

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

5735 Record Stores

(^) Merchants classified with this MCC sell records, compact discs (CDs), and cassettes, and may also rent video tapes. CD, Cassette, Record Stores Compact Disc Music Stores – Prerecorded Records, CDs, Cassettes Used Record/CD Stores 7841 – DVD/Video Tape Rental Stores 5815 – Digital Goods Media – Books, Movies, Music 5811 Caterers^ (^) Merchants classified with this MCC contract with consumers to prepare and deliver (typically to a 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. Food Preparation – Catering 5812 – Eating Places and Restaurants 5812 Eating Places and Restaurants (^) Merchants classified with this MCC prepare food and drinks for immediate consumption, typically on the Merchant’s premises. These Merchants typically provide table service and may include alcoholic beverages on the menu. This MCC includes food delivery for Merchants qualifying for this MCC. Cafes, Restaurants Cafeterias Diners – Eating Establishments Soda Fountains 5462 – Bakeries 5499 – Miscellaneous Food Stores – Convenience Stores and Specialty Markets 5813 – Drinking Places (Alcoholic Beverages) – Bars, Taverns, 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 beverages such as wine, beer, mixed drinks, and other liquors and beverages for consumption on the premises. Drinking Establishments Beer Parlors Breweries, Bars Comedy Clubs Lounges Micro-breweries Pubs Saloons Tap Rooms Wine Bars 5812 – Eating Places and Restaurants 5814 Fast Food Restaurants (^) Merchants classified with this MCC sell prepared food and beverages for consumption either on the premises or packaged for carry-out. Orders are typically made and paid for at a counter, kiosk or drive-through window. This MCC includes food delivery for Merchants qualifying for this MCC. Quick Service Restaurants Vending Machines – Food Sandwich Shops Ice Cream Shops Coffee Shops Yogurt Shops Pretzel Stands 5812 – Eating Places and Restaurants 5499 – Miscellaneous Food Stores – Convenience Stores and Specialty Markets

October 2025

MCC

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

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

(^) Merchants classified with this MCC sell books, movies, digital artwork/images or music that is delivered in electronic format. Merchants offering online streaming of digital media content on a subscription basis should use MCC 4899 5192 –^ Books, Periodicals,^ Newspapers 7832 – Movie Theaters, Motion Picture Theaters 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 (including games of skill but excluding games of chance) that are delivered in electronic format, including in-app purchases in games Fantasy Sports (in jurisdictions where they not considered gambling) 7993 – Video Amusement Game Supplies 7994 – Video Game Arcades/Establishments 7995 – Betting, including Lottery Tickets, Casino Gaming Chips, Off- Track Betting, and Wagers at Race Tracks and games of chance to win prizes of monetary value 7800 – Gambling – Government- Owned Lotteries 7801 – Gambling – Government- Licensed On-Line Casinos 7802 – Gambling – Government- Licensed Horse/Dog Racing 5817 Digital Goods – Applications (Excludes Games) Merchants classified with this MCC sell applications or software (excludes games) that are delivered in electronic format. (^) 5734 – Software – Computer: Computer Software Stores 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.

October 2025

MCC

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

5912 Drug Stores and Pharmacies

(^) Merchants classified with this MCC sell prescription and proprietary drugs Medicine – Prescription, Pharmacies Pharmacies Prescription Medication Pet Pharmacies 5499 – Miscellaneous Food Stores – Convenience Stores and Specialty Markets 5122 – Drugs, Drug Proprietaries, and Druggist Sundries 5921 Package Stores^ –^ Beer, Wine, and Liquor^ (^) Merchants classified with this MCC sell packaged alcoholic beverages such as beer, wine, and liquor for consumption off the premises and may also sell a limited variety of food and snack items, newspapers and magazines, and a limited selection of toiletries and over-the-counter medicines. Alcohol – Liquor Stores 5499 – Miscellaneous Food Stores – Convenience Stores and Specialty Markets 5813 – Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques 5931 Used Merchandise and Secondhand Stores (^) Merchants classified with this MCC sell used merchandise or secondhand goods such as accessories, shoes and clothing, furniture, books, bicycles, musical instruments, sewing machines, electronic equipment, appliances, and other household items. Typically, the items for sale have been donated or are on consignment. Consignment Shops Secondhand Stores Thrift Stores Vintage Clothing 5932 – Antique Shops – Sales, Repairs, and Restoration Services 5933 – Pawn Shops 5932 Antique Shops – Sales, Repairs, and Restoration Services (^) Merchants classified with this MCC sell antiques such as furniture, jewelry, cameras and photographic equipment, tools, artwork, books, appliances and other household items. This MCC does not include retail sellers of antique automobiles. Services – Antique Restoration 5521 – Car and Truck Dealers (Used Only) Sales, Service, Repairs, Parts, and Leasing 7641 – Furniture – Reupholstery, Repair, and Refinishing 5933 Pawn Shops (^) Merchants classified with this MCC lend money in exchange for personal property left with the Merchants as security. (^5931) – Used Merchandise and Secondhand Stores 5932 – Antique Shops – Sales, Repairs, and Restoration Services 5935 Wrecking and Salvage Yards (^) Merchants classified with this MCC provide wrecking and salvaging services. Junk Yards 7549 – Towing Services

October 2025

MCC

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

5937 Antique Reproductions

(^) Merchants classified with this MCC sell antique reproductions or facsimiles of clothing, furniture, rugs, paintings and artwork, mirrors, glassware, jewelry, and other household and personal items and may also provide antique photograph reproduction and restoration services. (^5932) – Antique Shops – Sales, Repairs, and Restoration Services 5940 Bicycle Shops^ –^ Sales and Service^ (^) Merchants classified with this MCC sell bicycles, bicycle parts, and accessories (including a limited variety of related sporting apparel) and may also conduct repair work. Mountain Bikes Service – Bicycles 5941 – Sporting Goods Stores 7699 – Miscellaneous Repair Shops and Related Services 7999 – Recreation Services (Not Elsewhere Classified) 5941 Sporting Goods Stores (^) Merchants classified with this MCC sell sporting goods, sports equipment, camping supplies, and related parts and accessories, and may also rent or repair equipment. Backpacking Equipment Bait, Tackle Stores Billiard Tables – Sales Camping Equipment Cutlery – Sporting Knives Exercise Equipment Fishing – Equipment, Bait, Tackle Golf Equipment Hiking Equipment Hunting Equipment, Supplies including Firearms and Ammunition^3 In-Line Skates Shops Pool Tables – Sales Rollerblade Shops Scuba, Skin Diving Equipment Skateboard Shops Ski Shops Surfboards, Accessories Trekking Equipment Windsurf Boards, Accessories 5099 Durable Goods (Not Elsewhere Classified) 5999 Miscellaneous and Specialty Retail Shops 5551 – Boat Dealers 5561 – Camper, Recreational and Utility Trailer Dealers 5571 – Motorcycle Shops and Dealers 5598 – Snowmobile Dealers 5940 – Bicycle Shops – Sales and Service 7699 – Miscellaneous Repair Shops and Related Services 7999 – Recreation Services (Not Elsewhere Classified) (^3) 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.

October 2025

MCC

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

5942 Book Stores

(^) Merchants classified with this MCC sell new and/or used books, journals, magazines, textbooks, maps and atlases, audio books, and calendars. Paperbacks – Book Stores Textbooks 5943 – Stationery Stores, Office and School Supply Stores 5943 Stationery Stores, Office and School Supply Stores^ (^) Merchants classified with this MCC are retail sellers of paper goods used in offices and schools, office and school supplies and small office equipment and furniture. Office Supply Stores School Supply Store 5732 – Electronics Stores 5734 – Computer Software Stores 5978 – Typewriter Stores – Sales, Rentals, and Service 7394 – Equipment, Tool, Furniture, and Appliance Rental and Leasing 5944 Jewelry Stores, Watches, Clocks, and Silverware Stores (^) Merchants classified with this MCC sell fine jewelry, watches, clocks, and sterling silver and silver-plated flatware and accessories, and may also repair fine jewelry. Clock Shop Diamond Stores Gems, Precious Metals, Jewelry Jewelry – Fine Silversmiths Silverware Stores Watch Shops 5631 – Women’s Accessory and Specialty Shops 5719 – Miscellaneous Home Furnishing Specialty Stores 5932 – Antique Shops – Sales, Repairs, and Restoration Services 5933 – Pawn 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 and may also sell a limited selection of do-it- yourself crafts or hobby kits. Games Stores Hobby Shops Toy Stores Toy, Game Shops 5970 – Artist’s Supply and Craft Shops 5946 Camera and Photographic Supply Stores (^) Merchants classified with this MCC sell cameras, films, video equipment, printers, and other photographic equipment and supplies, and may provide photo/video processing services. Camcorders, Photographic Equipment, Supply Stores Photography Supply Stores Video Cameras, Photographic Equipment 5732 – Electronics Stores 7395 – Photofinishing Laboratories and Photo Developing

October 2025

MCC

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

5947 Gift, Card, Novelty and Souvenir Shops

(^) Merchants classified with this MCC sell gifts and novelty items, greeting cards, balloons, souvenirs, holiday decorations, stationery, wrapping paper and bows, photo albums, and a limited selection of office supplies. Memorabilia, Souvenir Shops Novelty Shops 5943 – Stationery Stores, Office and School Supply Stores 5948 Luggage and Leather Goods Stores^ (^) Merchants classified with this MCC are retail sellers of luggage, trunks, briefcases, leather backpacks, wallets, purses, gloves, and other leather goods, and may also sell a limited selection of leather apparel. 5999 – Miscellaneous and Specialty Retail Stores 5949 Sewing, Needlework, Fabric and Piece Goods Stores (^) Merchants classified with this MCC are retail sellers of fabric, patterns, yarn and other needlework/sewing supplies, and may offer sewing classes or instruction. Fabric Stores Knitting Shops Needlework Shops Supplies – Sewing, Fabric, Notions, Needlework, Piece Goods Yarn Shops 5970 – Artist’s Supply and Craft Shops 8299 – Schools and Educational Services (Not Elsewhere Classified) 5950 Glassware/Crystal Stores (^) Merchants classified with this MCC sell glassware, china and crystal tableware, and glass, china or crystal gift items. China, Crystal Stores Crystal Stores Cut Glass 5719 – Miscellaneous Home Furnishing Specialty Stores 5960 Direct Marketing – Insurance Services (^) Merchants classified with this MCC sell insurance via direct mail, billing statement stuffers, and magazine or television ads, all of which include either a toll-free telephone number or an address to which prospective customers may respond. Automobile Insurance – Sales (Direct Marketing) Insurance Services – Direct Marketing Services – Insurance, Direct Marketing 6300 – Insurance Sales, Underwriting, and Premiums 5962 Direct Marketing – Travel-Related Arrangement Services (^) Merchants classified with this MCC sell travel-related services (including discount travel clubs or newsletters) via outbound telemarketing calls, mailings, magazine or television ads, or other direct marketing methods that include either a toll-free telephone number or an address to which prospective customers may respond. Services – Direct Marketing Travel- Related Arrangement Services Telemarketing Travel- Related Arrangement Services (Excluding Travel Agencies) Travel Clubs (Direct Marketing) 4722 – Travel Agencies and Tour Operators 4789 – Transportation Services (Not Elsewhere Classified)

October 2025

MCC

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

Travel-Related
Arrangement Services-
Direct Marketing

5963 Door-To-Door Sales

(^) Merchants classified with this MCC sell a variety of products by means of house-to-house visits. 5964 Direct Marketing – Catalog Merchant Merchants classified with this MCC sell a variety of goods via catalogs and offer no means by which customers may purchase products in a face-to-face manner. 5965 – Direct Marketing – Combination Catalog and Retail Merchant 5965 Direct Marketing – Combination Catalog and Retail Merchant (^) Merchants classified with this MCC sell a variety of goods via catalog and one or more retail outlets. MCC 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. 5964 – Direct Marketing – Catalog Merchant 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 Merchants classified with this MCC sell adult content and services that customers access via telephone or fax or over the internet. Adult Content and services including, but not limited to, website subscriptions, video streaming and audio-text Digital Adult Content Merchants

October 2025

MCC

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

5968 Direct Marketing – Continuity/Subscription Merchant

Merchants classified with this MCC sell subscription
products for delivery (such as book clubs,
collectibles, magazines/newspapers cosmetics,
food, clothing, “nutraceuticals”) via “direct” mail,
email. apps, or salespeople. Merchants not
participating in direct marketing activities that
happen to offer recurring purchase transactions
should use the MCC that best describes their
business instead. For example, Merchants providing
the ongoing delivery of television/radio/streaming
content on a subscription basis must use MCC 4899

Qualified Merchants that “directly” sell subscriptions
for digital goods or content may use MCC 5815,
5816, 5817, or 5818.

Magazine Subscription
(Direct Mail Only)
Direct Mail Merchants

4900 – Utilities – Electric, Gas, Water,
Sanitary
5621 – Women’s Ready-to-Wear
Stores
5499 – Miscellaneous Food Stores –
Convenience Stores and Specialty
Markets
5969 – Direct Marketing – Other
Direct Marketers (Not Elsewhere
Classified)
5977 – Cosmetic Stores
6300 – Insurance Sales Underwriting
and Premiums
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 services through a variety of direct response methods that include an order form or an address and/or telephone number the customer may use to place an order by mail, telephone, or fax and that are not classified with a more specific MCC. Classified Ads – Newspaper (Via Direct Marketing) Ticket Agencies – Direct Marketing 7922 – Theatrical Producers (Except Motion Pictures) and Ticket Agencies 5970 Artists’ Supply and Craft Shops (^) Merchants classified with this MCC sell art and craft materials, equipment and supplies used to create other items. Supplies – Art, Crafts 5945 – Hobby, Toy, and Game Shops 5949 – Sewing, Needlework, Fabric and Piece Goods Stores 5971 Art Dealers and Galleries (^) Merchants classified with this MCC sell artwork such as paintings, photographs, or sculpture. 5970 – Artist’s Supply and Craft Shops 7333 – Commercial Photography, Art, and Graphics 5972 Stamp and Coin Stores (^) Merchants classified with this MCC sell postage stamps and coins, and related accessories for the purpose of stamp collecting, coin collecting or investment. Numismatic Supplies Philatelic Supplies Stamp Collecting 7399 – Business Services (Not Elsewhere Classified) 9402 – Postal Services – Government Only

October 2025

MCC

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

5973 Religious Goods Stores

(^) Merchants classified with this MCC sell religious goods such as figurines, cards, devotion supplies, pictures, books, and decorative items. (^5942) – Book Stores 5975 Hearing Aids^ –^ Sales, Service, and Supply^ (^) Merchants classified with this MCC sell hearing aids and related supplies and may also conduct repair work. Repairs – Hearing Aids, Sales, Service, Supply, Stores Service – Hearing Aids, Supplies 7699 – Miscellaneous Repair Shops and Related Services 5976 Orthopedic Goods – Prosthetic Devices (^) Merchants classified with this MCC sell a variety of prosthetic devices and orthopedic goods and accessories and may also conduct repair work. Orthotics, Prosthetic Devices 7699 – Miscellaneous Repair Shops and Related Services 5977 Cosmetic Stores (^) Merchants classified with this MCC sell cosmetics. Make-Up Stores 5999 – Miscellaneous and Specialty Retail Stores 7230 – Beauty and Barber Shops 5978 Typewriter Stores – Sales, Rentals, and Service (^) Merchants classified with this MCC sell, rent, or lease typewriters may also sell a limited selection of office supplies and equipment and may also conduct repair work. 5943 – Stationery Stores, Office and School Supply Stores 5999 – Miscellaneous and Specialty 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, coal, liquefied petroleum, aviation fuel, heating oil or gas propane for consumer use, and may also sell fuel for consumer use in automobiles. Aviation Fuel Coal Dealers Dealers – Fuel Dealers, Fuel Oil, Wood, Coal, Liquefied Petroleum Home Heating Fuel Dealers 5541 – Service Stations (With or Without Ancillary Services) 5542 – Automated Fuel Dispensers

October 2025

MCC

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

Liquefied Petroleum
Dealers
Oil Dealers
Propane Dealers
Wood Dealers

5992 Florists

(^) Merchants classified with this MCC sell cut flowers, flower arrangements, and potted plants, and may also sell novelty items. Balloon Bouquets Flower Shops Plant Store 5261 – Nurseries and Lawn and Garden Supply Stores 5993 Cigar Stores and Stands (^) Merchants classified with this MCC sell tobacco, cigarettes, electronic cigarettes, cigars, pipes, and smokers’ supplies. Pipe Shops Smoke Shops Tobacco Shops 5999 – Miscellaneous and Specialty Retail Stores 5994 News Dealers and Newsstands (^) Merchants classified with this MCC sell newspapers, magazines, journals, and other periodicals. Dealers – Newspapers Magazines (Newsstands) Newspapers Periodicals (Newsstands) 5942 – Book Stores 5999 – Miscellaneous and Specialty Retail Stores 5995 Pet Shops, Pet Foods and Supplies Stores (^) Merchants classified with this MCC sell domestic pets, pet food, and pet supplies. Animals 5999 – Miscellaneous and Specialty Retail Stores 5996 Swimming Pools – Sales and Service (^) Merchants classified with this MCC sell home swimming pools, spas, hot tubs, whirlpool baths, and supplies, and may also provide installation and/or repair services. Hot Tubs, Spas – Sales, Service, Supplies Services – Hot Tubs, Spas, Sales, Service, Supplies Services – Swimming Pools, Sales, Service, Supplies Supplies – Hot Tubs, Spas Supplies – Swimming Pools 1799 – Special Trade Contractors (Not Elsewhere Classified) 7699 – Miscellaneous Repair Shops and Related Services 5997 Electric Razor Stores – Sales and Service (^) Merchants classified with this MCC sell electric razors and may also provide repair services. 5999 – Miscellaneous and Specialty Retail Stores 7699 – Miscellaneous Repair Shops and Related Services

October 2025

MCC

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

5998 Tent and Awning Shops

(^) Merchants classified with this MCC sell tents and awnings for home or business use and may also provide repair services. Awnings – Residential, Commercial 5941 – Sporting Goods Stores 5999 – Miscellaneous and Specialty Retail Stores 7699 – Miscellaneous Repair Shops and Related Services 5999 Miscellaneous and Specialty Retail Shops^ (^) Merchants classified with this MCC sell unique or specialized products that are not classified with a more specific MCC. Atlas, Map Stores Beauty Supply Stores Bottled and Distilled Water Dealers Collectibles, Memorabilia Stores- Sports and Hobby Dealers – Ice Firearms, Ammunition Stores^4 Fireworks Stores Frame Shops – Photograph, Poster Gravestones, Monuments – Sales, Installation Headstones, Monuments Ice Dealers Magic Shops Map, Atlas Stores Monuments, Party Supply Stores Picture Frames, Framing Shops Specialty Retail Stores – Miscellaneous Sunglasses Stores Tombstones – Sales, Installation Trophy Sales 4468 – Marinas, Marine Service, and Supplies 5099 - Durable Goods (Not Elsewhere Classified) 5499 – Miscellaneous Food Stores 5719 – Miscellaneous Home Furnishing Specialty Stores 5732 – Electronics Stores 5940 – Bicycle Shops – Sales and Service 5941 – Sporting Goods Stores 5948 – Luggage and Leather Goods Stores 5993 – Cigar Stores and Stands 5995 – Pet Shops, Pet Foods and Supplies Stores 5998 – Tent and Awning Shops 7230 – Beauty and Barber Shops 7395 – Photofinishing Laboratories and Photo Developing 7699 – Miscellaneous Repair Shops and Related Services 7841 – DVD/Video Tape Rental Stores 7999 – Recreation Services (Not Elsewhere Classified) 6010 Financial Institutions – Manual Cash Disbursements (^) This MCC must be used for face-to-face cash disbursements. Banks – Financial Institutions – Manual Cash Disbursements Cash – Banks, Credit Unions, Financial 6011 – Financial Institutions – Automated Cash Disbursements 6012 – Financial Institutions – Merchandise, Services, and Debt Repayment (^4) 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.

October 2025

MCC

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

Institutions
Credit Unions – Financial
Institutions – Manual Cash
Disbursements
Deposits – Financial
Institutions
Manual Cash
Disbursements
Savings and Loans –
Financial Institutions –
Travelers Cheques
(Financial Institutions)
Cash

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

6011 Financial Institutions – Automated Cash Disbursements

(^) This MCC must be used only for cash disbursements where cardholders receive cash through Automated Teller Machines (ATMs) owned, leased, controlled, or sponsored by banks, savings and loans, thrifts, and credit unions. ATM Cash Disbursements Cash - ATM 6010 – Financial Institutions – Manual Cash Disbursements 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 6012 Financial Institutions – Merchandise, Services, and Debt Repayment (^) This MCC must be used by Financial Institutions for the purchase of merchandise or services or the repayment of loans & debts. “Financial Institution” includes banks, savings and loans, thrifts, and credit unions. For example: the purchase of checks, other financial products, or promotional merchandise, deposits, the funding of an account, the purchase or reload of a stored value card, the purchase of foreign currency, Liquid and Cryptocurrency Assets (for example: cryptocurrency), money orders (a negotiable paper-based remittance – not a Money Transfer), travelers cheques, and loan fees or financial counseling service fees. This MCC must also be used for the repayment of a debt, loan, or credit card balance by a cardholder to the financial institution. A Financial Institution that sells Liquid and Cryptocurrency Assets such as cryptocurrency must include all required data in the authorization request and clearing record. Account Funding – Financial Institution Banks – Financial Institutions – Merchandise, Services Credit Unions – Financial Institutions – Merchandise, Services Deposits – Financial Institutions Merchandise, Services – Financial Institutions Mortgage Companies – Financial Institutions Purchase of Foreign currency Liquid and Cryptocurrency Assets (for example, cryptocurrency), money orders (Not Money Transfer) and Travelers Cheques – Financial Institution Loan Payments – Financial Institution 6010 – Financial Institutions – Manual Cash Disbursements 6011 – Financial Institutions – Automated Cash Disbursements 6211 – Security Brokers/Dealers

October 2025

MCC

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

Savings and Loans –
Financial Institutions –
Merchandise, Services
Services – Banks, Credit
Unions, Financial
Institutions (Non-Cash)
Stored Value Card

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 (excluding prepaid card loads), the purchase of foreign currency, Liquid and Cryptocurrency Assets (for example: cryptocurrency), money orders, or travelers’ cheques that occurs at non-Financial Institutions such as currency exchanges or money order (a negotiable paper-based remittance – not a Money Transfer) Merchants. This MCC must also be used for the repayment of a loan or debt if the entity that holds the debt is not a financial institution. A Merchant that sells Liquid and Cryptocurrency Assets such as cryptocurrency must include all required data in the authorization request and clearing record. All other transactions at the same Merchant location must use the appropriate MCC for those transactions. Account Funding – (Non-Financial Institutions) Currency –Liquid and Cryptocurrency Assets Cryptocurrency) Currency – Foreign (Non- Financial Institutions) Exchange – Foreign Currency (Non-Financial Institutions) Foreign Currency (Non- Financial Institutions) Lease Payments Loan Payments Money – Foreign Currency (Non-Financial Institutions) Money Orders – Not Money 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) 6010 – Financial Institutions – Manual Cash Disbursements 6012 – Financial Institutions – Merchandise, Services, and Debt Repayment 6211 Security Brokers/Dealers (^) Merchants classified with this MCC are licensed, in all jurisdictions they sell into to buy, sell and broker securities, stocks, bonds, commodities, and mutual funds. Bond Dealers Brokers – Securities, Mutual Funds, Stocks, Commodities, Bonds Commodity Dealers Dealers – Securities, Mutual Funds, Stocks, 6010 – Financial Institutions – Manual Cash Disbursements 6012 – Financial Institutions – Merchandise, Services, and Debt Repayment

October 2025

MCC

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

Commodities, Bonds
Foreign Currency Purchase
Licensed Foreign Exchange
Trading
Binary Options
Investment Firms –
Dealers, Brokers
Mutual Funds Brokers
Stockbrokers

6300 Insurance Sales, Underwriting, and Premiums

(^) Merchants classified with this MCC sell personal or business insurance policies such as automobile, life, health, hospital, medical, and dental insurance, homeowners’ and renters’ insurance, real estate title insurance, pet health insurance and flood, fire, or earthquake insurance. Automobile Insurance – Sales (Non-Direct Marketing) Health Insurance – Sales Homeowners Insurance – Sales Life Insurance – Sales Medical Insurance – Sales Product Warranties 5960 – Direct Marketing – Insurance Services 6513 Real Estate Agents and Managers (^) This MCC must be used for the payment of management fees, rental commissions, rental payments, and other payments at real estate agents, brokers, and managers engaged in the rental and management of residential and commercial properties. This MCC should also be used for payments of deposits for real estate purchases. Short term rentals (of less than one month) must be included in MCC 7011 Lodging – Hotels, Motels, Resorts, Central Reservation Services (Not Elsewhere Classified) or, if appropriate, the Merchant’s MCC. This MCC does not include mortgage loan payments and real estate purchases. These transactions must be identified with a more appropriate MCC such as MCC 6012 Financial Institutions – Merchandise and Services; MCC 1520 General Contractors; MCC 8111 Legal Services and Attorneys. Apartment Rentals Commercial Property Rentals Homeowner/Condo Association Fees/Dues Housing Rentals Property Rentals Real Estate Agents Brokers, Managers – Rentals Rental Services – Residential and Commercial Properties Residential Rentals Service – Residential and Commercial Properties Rentals 6012 – Financial Institutions – Merchandise, Services, and Debt Repayment 7012 – Timeshares 7011 – Lodging – Hotels, Motels, Resorts, Central Reservation Systems (Not Elsewhere Classified) 8999 – Professional Services (Not Elsewhere Classified) 6540 Non-Financial Institutions – Stored Value Card Purchase/Load (^) This MCC must be used by Merchants whose primary business is the sale of and/or any subsequent reloads of stored value cards/accounts (including Visa Prepaid Cards) occurring at non-financial institutions. This MCC is not applicable for use with Staged Digital Wallet Operators (SDWO). Account Funding – (Non- Financial Institutions) Stored Value Card/Load (Non-Financial Institutions) Stored Value Wallet/Load (Non-Financial Institutions) 6012 – Financial Institutions Merchandise, Services, and Debt Repayment

October 2025

MCC

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

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

(^) Merchants classified with this MCC are lodging establishments or central reservation services that do not have their own specific MCC. MCC 7011 may include bed and breakfast establishments, resorts, cabins, cottages, hostels, short-term property rentals less than 30 days in length, and local inns. Bed & Breakfast Establishments Central Reservation Services Hotels (Not Listed in 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 6513 – Real Estate Agents and Managers 7012 Timeshares^ (^) Merchants classified with this MCC sell, lease, and rent timeshares and arrange timeshare condominium exchanges. (^7011) – Lodging – Hotels, Motels, Resorts, Central Reservation Services (Not Elsewhere Classified) 7032 Sporting and Recreational Camps (^) Merchants classified with this MCC operate children’s camps, recreational camps, and sporting camps. Boys’ Camps Sporting, Recreational Camps Children’s Camps Girls’ Camps Nudist Camps Dude Ranches 7033 – Trailer Parks and Campgrounds 7999 – Recreation Services (Not Elsewhere Classified) 7033 Trailer Parks and Campgrounds (^) Merchants classified with this MCC provide overnight or short-term camp sites for recreational vehicles, trailers, campers, or tents. 7032 – Sporting and Recreational Camps 7999 – Recreation Services (Not Elsewhere Classified) 7210 Laundry, Cleaning, and Garment Services (^) Merchants classified with this MCC operate steam or other types of laundry or laundry services. Diaper Services Garment Services Services – Laundry, Cleaning, Garment Services 7211 – Laundries – Family and Commercial 7216 – Dry Cleaners

October 2025

MCC

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

7211 Laundries – Family and Commercial

(^) Merchants classified with this MCC provide coin- operated or similar self-service washers and dryers for general consumer use and may also offer laundry services. Laundromats 7210 – Laundry, Cleaning, and Garment Services 7216 – Dry Cleaners 7216 Dry Cleaners^ (^) Merchants classified with this MCC perform dry cleaning services for individuals or businesses and may offer limited alteration services. Services – Dry Cleaning 7210 – Laundry, Cleaning, and Garment Services 7211 – Laundries – Family and Commercial 7217 Carpet and Upholstery Cleaning (^) Merchants classified with this MCC clean carpets, drapes, and upholstery. Drapery Cleaning 7641 – Furniture – Reupholstery, Repair, and Refinishing 7221 Photographic Studios (^) Merchants classified with this MCC perform still or video portrait photography for the general public. Photographers – Wedding Portrait Studios Wedding Photographers 7395 – Photofinishing Laboratories and Photo Developing 7230 Beauty and Barber Shops (^) Merchants classified with this MCC provide personal hair care services such as hair cutting, styling, and coloring, and may also perform manicures and pedicures and sell a limited selection of hair care products. Beauty Salons Nail Salons Hair Cutting Hair Styling Salon Hairdressers Make-up Studios Manicurists 7298 – Health and Beauty Spas 7299 – Miscellaneous Personal Services (Not Elsewhere Classified) 7251 Shoe Repair Shops, Shoeshine Parlors, and Hat Cleaning Shops (^) Merchants classified with this MCC repair footwear and provide shoe and hat cleaning and maintenance services. Hat Cleaning Shops Shoeshine Shops, Stands Shoe Repair Shops 7299 – Miscellaneous Personal Services (Not Elsewhere Classified) 7699 – Miscellaneous Repair Shops and Related Services 7261 Funeral Services and Crematories (^) Merchants classified with this MCC are mortuaries, crematories, and funeral homes that provide burial preparation services, conduct funerals, and provide cremation services. Mortuaries Morticians Undertakers 7299 – Miscellaneous Personal Services (Not Elsewhere Classified)

October 2025

MCC

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

7273 Dating Services

(^) Merchants classified with this MCC provide dating and escort services, including online services. Escort Services Services – Dating, Escort Online Dating Services 7299 – Miscellaneous Personal Services (Not Elsewhere Classified) 7276 Tax Preparation Services^ (^) Merchants classified with this MCC provide income tax return preparation services but do not provide auditing, accounting, or bookkeeping services. Services – Tax Preparation 8931 – Accounting, Auditing, and Bookkeeping Services 8999 – Professional Services (Not Elsewhere Classified) 7277 Counseling Services – Debt, Marriage, and Personal (^) Merchants classified with this MCC provide a variety of personal counseling services, such as debt and financial counseling, marriage counseling, family counseling, and alcohol and drug abuse counseling. Alcohol, Drug Abuse Counseling Credit Counseling Debt Counseling Family Counseling Financial Counseling Service Marriage Counseling Personal Counseling 7322 - Collection Agencies 8111 – Legal Services and Attorneys 8999 – Professional Services (Not Elsewhere Classified) 7278 Buying and Shopping Services and Clubs (^) Merchants classified with this MCC act as an intermediary to facilitate buying and shopping for individuals or businesses on a fee basis. Personal Shopper Services

• Buying/Shopping Services, Clubs Shopping Services

7299 – Miscellaneous Personal
Services (Not Elsewhere Classified)
7399 – Business Services
(Not Elsewhere Classified)

7296 Clothing Rental – Costumes, Uniforms, Formal Wear

(^) Merchants classified with this MCC rent costumes, uniforms, formal wear, and other types of apparel and related accessories. Apparel – Clothing Rental – Costumes, Formal Wear, Uniforms Costume Rental Formal Wear Rental Rentals – Clothing – Costumes, Formal Wear, Uniforms Rentals – Costume Rentals – Tuxedo, Formal Wear 5137 – Men’s, Women’s, and Children’s Uniforms and Commercial Clothing 7299 – Miscellaneous Personal Services (Not Elsewhere Classified) 7297 Massage Parlors (^) Merchants classified with this MCC specialize in providing therapeutic massage services and may also (^7298) – Health and Beauty Spas 7299 – Miscellaneous Personal

October 2025

MCC

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

provide other personal services such as spa
treatments and rent saunas or hot tubs for customer
use.

Services (Not Elsewhere Classified)

7298 Health and Beauty Spas

(^) Merchants classified with this MCC provide a variety of personal or therapeutic services such as facials, massages, mud baths, herbal wraps, tanning treatments, whirlpools, steam baths, hair and makeup styling, and instructional classes. Tanning Salons 7011 – Lodging – Hotel, Motels, Resorts, Central Reservation Services (Not Elsewhere Classified) 7297 – Massage Parlors 7299 – Miscellaneous Personal Services (Not Elsewhere Classified) 7299 Miscellaneous Personal Services (Not Elsewhere Classified)^ (^) Merchants classified with this MCC provide personal services that are not classified with a more specific MCC. Animal Boarding Services – Stables, Kennels etc Animal Breeders Animal Grooming Services Animal Training Apartment Rental Services Body Piercing, Tattoo Parlors Breeders – Animals Dog Training Services – Stand-Alone Tipping/Gratuities Other Services – Miscellaneous Services – Water Filtration, Purification, Softening Treatments Taxidermists Wedding Chapels / Planning 7230 – Beauty and Barber Shops 7251 – Shoe Repair Shops, Shoe Shine Parlors, and Hat Cleaning Shops 7261 – Funeral Services and Crematories 7273 – Dating Services 7276 – Tax Preparation Services 7277 – Counseling Services – Debt, Marriage, and Personal 7278 – Buying and Shopping Services and Clubs 7296 – Clothing Rental – Costumes, Uniforms, Formal Wear/ 7297 – Massage Parlors 7298 – Health and Beauty Spas 7311 Advertising Services (^) Merchants classified with this MCC prepare advertising (writing copy, artwork, graphics, and other creative work) and place such advertising and/or samples in periodicals, newspapers, radio and television, on the internet, in the sky, or other advertising media for clients on a contract or fee basis. Ad Agencies Agencies – Advertising Classified Ads – Newspaper 8999 – Professional Services (Not Elsewhere Classified) 7321 Consumer Credit Reporting Agencies (^) Merchants classified with this MCC provide consumer credit reporting services such as credit investigation, credit clearinghouses, and other related services. 7322 - Collection Agencies 7399 – Business Services (Not Elsewhere Classified)

October 2025

MCC

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

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 of overdue receivables under contract or collect overdue receivables that they have purchased from a third party. 6012 – Financial Institutions – Merchandise, Services, and Debt Repayment 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 7321 – Consumer Credit Reporting Agencies 7333 Commercial Photography, Art, and Graphics (^) Merchants classified with this MCC provide commercial art or graphic design services for advertising agencies, publishers, and other businesses. Commercial Artists Film Production Graphics – Commercial Silk Screening 7221 – Photography Studios 8999 – Professional Services (Not Elsewhere Classified) 7338 Quick Copy, Reproduction, and Blueprinting Services^ (^) Merchants classified with this MCC reproduce and bind text, drawings, plans, maps, or other copy, by blueprinting, photocopying, or other methods of duplication. Photocopying Services Reproduction Services Services – Quick Copy, 7395 – Photofinishing Laboratories and Photo Developing 5943 – Stationery Stores, Office and School Supply Stores 7339 Stenographic and Secretarial Support (^) Merchants classified with this MCC provide a range of stenographic and secretarial services such as word processing, typing, editing, letter writing, proofreading, resume writing, and court reporting services. Word Processing Services 7361 – Employment Agencies and Temporary Help Services 7399 – Business Services (Not Elsewhere Classified) 7342 Exterminating and Disinfecting Services (^) Merchants classified with this MCC provide pest control, extermination, fumigation, and disinfection services. Exterminators Pest Control 7349 – Cleaning, Maintenance, and Janitorial Services 7349 Cleaning, Maintenance, and Janitorial Services (^) Merchants classified with this MCC provide cleaning and maintenance services. House Cleaning Services Housekeeping Services Maintenance Services 7342 – Exterminating and Disinfecting Services

October 2025

MCC

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

7361 Employment Agencies and Temporary Help Services

(^) Merchants classified with this MCC provide employment services for those seeking employees or employment. Temporary Employment Agencies 7399 – Business Services (Not Elsewhere Classified) 7372 Computer Programming, Data Processing, and Integrated Systems Design Services^ (^) Merchants classified with this MCC provide computer programming services, systems design, website design, data entry, and data processing services. Computer Software Design Computer Systems Design 5734 – Computer Software Stores 7379 – Computer Maintenance, 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- business or wholesale provisioners of online or database information retrieval services. 7321 – Consumer Credit Reporting Agencies21 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- related services such as computer consulting, database development, computer maintenance and repair, conversion services, and computer requirements analysis. 5045 – Computers and Computer Peripheral Equipment and Software 5732 – Electronics Stores 5734 – Computer Software Stores 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 of activities for private, nonprofit, and public organizations, such as strategic and organizational planning, financial planning and budgeting, developing marketing objectives, information systems planning, development of human resource policies, and public relations services. Consultants – Public Relations Consulting, Management Services Management Consultants Marketing Consultants Public Relations Services 7399 – Business Services (Not Elsewhere Classified) 8999 – Professional Services (Not Elsewhere Classified) 7393 Detective Agencies, Protective Services, and Security Services, including Armored Cars, and Guard Dogs (^) Merchants classified with this MCC provide security devices/systems and services such as security guard, Alarm Systems, Services Armored Cars 7399 – Business Services (Not Elsewhere Classified)

October 2025

MCC

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

protective, and armored car services and investigative
services.

Burglar Alarm Companies –
Home/Business Security
Fire Alarm Companies –
Home/Business Security
Home Security Systems
Private Investigators
Protective Services
Security Services,
Detective Agencies
Security Systems
Services – Guard Dog
Services – Security
Surveillance Systems,
Services

8111 – Legal Services and Attorneys
8999 – Professional Services (Not
Elsewhere Classified)

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

(^) Merchants classified with this MCC rent and lease equipment, tools, furniture, appliances, and office equipment, excluding typewriters. Appliance Rental Furniture Rental Leasing Services - Equipment Rentals – Equipment Rentals – Tools Services – Equipment Rental, Leasing 4457 – Boat Rentals and Leasing 5978 – Typewriter Stores – Sales Rentals, and Service 7296 – Clothing Rental – Costumes, Uniforms, Formal Wear 7513 – Truck and Utility Trailer Rentals 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, make photographic prints and enlargements, provide custom services, and may also sell a limited selection of photographic supplies and accessories. Film Developing 5044 – Photographic, Photocopy, Microfilm Equipment and Supplies 5946 – Camera and Photographic Supply Stores 7221 – Photographic Studios 7333 – Commercial Photography, Art, and Graphics 7399 Business Services (Not Elsewhere Classified) (^) Merchants classified with this MCC provide business services that are not typically considered to be “professions” and are not classified with a more specific MCC. Answering Services – Telephone Conference Management Services Convention Bureaus Cosmetics Distributors Event Planning and Management Keys – Locksmith 4215 – Courier Services – Air and Ground, and Freight Forwarders 7299 – Miscellaneous Personal Services (Not Elsewhere Classified) 7311 – Advertising Services 7338 – Quick Copy, Reproduction, and Blueprinting Services 7393 – Detective Agencies, Protective Services, and Security Services,

October 2025

MCC

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

Language, Translation
Services
Locksmith
Mail, Packing Stores,
Meeting Planning Services
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

including Armored Cars, and Guard
Dogs
7999 – Recreation Services (Not
Elsewhere Classified)

7512 Automobile Rental Agency

(^) Merchants classified with this MCC are car rental agencies that do not have designated unique MCCs. This also includes car-sharing schemes (known as “car-clubs” in the UK) Car Rentals 7513 – Truck and Utility Trailer Rentals 7519 – Motor Home and Recreational Vehicle Rentals 7513 Truck and Utility Trailer Rentals (^) Merchants classified with this MCC provide short-term rental or long-term leasing of trucks, vans, or utility trailers. Leasing Services – Trucks, Utility Trailers 7394 – Equipment, Tool, Furniture, and Appliance Rental and Leasing 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, RVs, campers, tent trailers, and other recreational vehicles on daily, short-term, or extended-term basis. 4457 – Boat Rentals and Leasing 7513 – Truck and Utility Trailer Rentals 7999 – Recreation Services (Not Elsewhere Classified)

October 2025

MCC

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

7523 Parking Lots, Parking Meters and Garages

(^) Merchants classified with this MCC provide temporary parking services for all modes of transportation, usually on an hourly, daily, or monthly contract or fee basis. Parking Garages 7531 Automotive Body Repair Shops^ (^) Merchants classified with this MCC perform automotive body repair work and may paint automobiles in conjunction with body repair work. Car Body Repair Shops Auto Body Shops 7534 – Tire Retreading and Repair Shops 7535 – Automotive Paint Shops 7538 – Automotive Service Shops (non-dealer) 7534 Tire Retreading and Repair Shops (^) Merchants classified with this MCC sell, install, repair, or retread old tires. Car Tires – Retreads Repairs – Tire Retreading, Repair Shops 5532 – Automotive Tire Stores 7531 – Automotive Body Repair Shops 7535 – Automotive Paint Shops 7538 – Automotive Service Shops (Non-Dealer) 7535 Automotive Paint Shops (^) Merchants classified with this MCC paint, refinish, and restore automobiles. Car Paint Shops 7531 – Automotive Body Repair Shops 7538 – Automotive Service Shops (non-dealer) 7538 Automotive Service Shops (Non-Dealer) (^) Merchants classified with this MCC conduct automotive repairs and general or specific services. Automotive Glass Repair/Replacement Car Service Shops Lube Stations – Quick Stop Muffler Shops Oil Changers – Lube Stations Repairs – Automotive Service Shops Tune-Up Shops – Automotive Wheel Alignment, Balancing, Repair Service – Automotive 5541 – Service Stations (with or without Ancillary Services) 7531 – Automotive Body Repair Shops 7534 – Tire Retreading and Repair Shops 7535 – Automotive Paint Shops 7542 – Car Washes 7549 – Towing Services 7542 Car Washes (^) Merchants classified with this MCC wash, wax, and polish automobiles or provide self-service facilities. Auto Detailing Automotive Cleaning, 5541 – Service Stations (With or Without Ancillary Services)

October 2025

MCC

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

Waxing
Cleaning, Polishing –
Automotive

7538 – Automotive Service Shops
(non-dealer)

7549 Towing Services

(^) Merchants classified with this MCC provide vehicle towing services. 5935 – Wrecking and Salvage Yards 7622 Electronics Repair Shops (^) Merchants classified with this MCC repair electronics (excluding appliances) such as radios, televisions, stereo equipment, and computers. Radio, Television, Stereo, Electronics Repair Shops Repairs – Radio, Services – Television, Radio, Stereo, Electronics 7629 – Electrical and Small Appliance Repair Shops 7699 – Miscellaneous Repair Shops and Related Services 7623 Air Conditioning and Refrigeration Repair Shops (^) Merchants classified with this MCC service and repair household and commercial air conditioning and refrigeration systems. Refrigeration Repair Shops Repairs – Air Conditioning, Refrigeration Repair Shops 7629 – Electrical and Small Appliance Repair Shops 7699 – Miscellaneous Repair Shops and Related Services 7629 Electrical and Small Appliance Repair Shops (^) Merchants classified with this MCC service and repair household and commercial electrical components, small appliances (such as microwaves, toaster ovens, and toasters), and electrical office machines, excluding typewriters. Repairs – Office Machines 5978 – Typewriter Stores – Sales, Rentals, and Service 7622 – Electronics Repair Shops 7623 – Air Conditioning and Refrigeration Repair Shops 7699 – Miscellaneous Repair Shops and Related Services 7631 Watch, Clock and Jewelry Repair (^) Merchants classified with this MCC clean and repair all types of watches, clocks, and fine jewelry. 5944 – Jewelry Stores, Watches, Clocks, and Silverware Stores 7641 Furniture – Reupholstery, Repair, and Refinishing (^) Merchants classified with this MCC reupholster, repair, refinish, and restore furniture. Furniture Repair, Reupholstery Refinishing – Furniture Repair, Reupholstery 5712 – Furniture, Home Furnishings and Equipment Stores, Except Appliances

October 2025

MCC

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

7692 Welding Services

(^) Merchants classified with this MCC perform welding services and repair. Services – Welding Repair 1799 –^ Special Trade Contractors^ ( Not Elsewhere Classified) 7699 Miscellaneous Repair Shops and Related Services^ (^) Merchants classified with this MCC provide service and repair work and are not classified with a more specific MCC. Chimney Cleaning Service Furnace Cleaning Service Machine Shops Services – Large Appliance Repair Services – Bicycle Repair Services – Orthopedic Device Repair 7531 – Automotive Body Repair Shops 7534 – Tire Retreading and Repair Shops 7538 – Automotive Service Shops (non-dealer) 7622 – Electronics Repair Shops 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- owned lotteries in the US Region that are registered with Visa to sell lottery tickets. 7801 – Government Licensed On- Line Casinos (On-Line Gambling) 7801 Government Licensed On-Line Casinos (On-Line Gambling) (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 virtual gambling chips or offer online gambling. 7800 – Government-Owned Lotteries 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- business or wholesale producers and distributors of educational and industrial films and videos for exhibition and sale*.* Distributor – Motion Picture, Video Tape Production, Distribution Educational, Training Film 7399 – Business Services (Not Elsewhere Classified) 7841 – DVD/Video Tape Rental Stores

October 2025

MCC

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

Production
Film Production,
Distribution
TV Commercial Production

8999 – Professional Services (Not
Elsewhere Classified)

7832 Motion Picture Theaters

(^) Merchants classified with this MCC operate movie theaters and sell tickets and refreshments or sell movie tickets online. Cinemas Entertainment – Movie Theaters Films – Movie Theaters 7841 – DVD/Video Tape Rental Stores 7922 – Theatrical Producers (Except Motion Pictures) and Ticket Agencies 7841 DVD/Video Tape Rental Stores (^) Merchants classified with this MCC rent DVDs/video tapes for personal use and may sell a limited selection of used videos/DVDs and refreshments. Rentals – DVD/Video Tape Stores 7829 – Motion Picture and Video Tape Production and Distribution 7911 Dance Halls, Studios and Schools (^) Merchants classified with this MCC operate dance studios, schools, and public dance halls or ballrooms. Ballet Schools Ballroom Dance Instruction Dance Schools Schools – Ballroom Dance Instruction Studios – Dance 7922 – Theatrical Producers (Except Motion Pictures) and Ticket Agencies 7999 – Recreation Services (Not Elsewhere Classified) 7922 Ticket Agencies and Theatrical Producers (Except Motion Pictures) (^) Merchants classified with this MCC operate live theatrical productions (such as road companies and summer theater groups) and services associated with theatrical productions and concerts (such as casting agencies, booking agencies, scenery, lighting, and other equipment services, and theatrical ticket agencies). Agencies – Ticket, Theatrical Producers Performing Arts Companies

• Theatrical Producers – Theatrical Production Agencies – Theatrical Ticket Agencies

7832 – Motion Picture Theaters
7911 – Dance Halls, Studios and
Schools
7929 – Bands, Orchestras, and
Miscellaneous Entertainers (Not
Elsewhere Classified)

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

(^) Merchants classified with this MCC provide entertainment other than theatrical productions (such as musicians, bands, orchestras, and other types of entertainers such as comedians and magicians). DJs Dance Bands Magicians Music Bands Musicians

October 2025

MCC

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

7932 Billiard and Pool Establishments

(^) Merchants classified with this MCC operate establishments that rent the use of pool or billiard tables and other games for entertainment. Billiard Parlors Snooker Parlors 7999 – Recreation Services (Not Elsewhere Classified) 7933 Bowling Alleys^ (^) Merchants classified with this MCC operate bowling alleys for entertainment. (^5812) – Eating Places and 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 promote semi-professional and professional athletic clubs (such as baseball, basketball, football, hockey, soccer), promote amateur and professional athletic events, manage individual athletes, and manage sports arenas and stadiums. Arenas – Sports Athletic Fields Automotive Race tracks – non-participatory Clubs – Professional Sports Professional Sports Clubs Promoters – Sporting Events Race tracks – Entrance Fee, Non-Betting Transactions Sports Promoters Stadiums 7999 – Recreation Services (Not Elsewhere Classified) 7991 Tourist Attractions and Exhibits (^) Merchants classified with this MCC operate a variety of tourist attractions and exhibits for entertainment, such as botanical gardens, craft shows, museums, and wineries. Arboretums Art Museums Botanical Gardens Exhibits Expositions Museums Wineries 5971 – Art Dealers and Galleries 7996 – Amusement Parks, Circuses, Carnivals, and Fortune Tellers 7998 – Aquariums, Seaquariums, Dolphinariums, and Zoos 7999 – Recreation Services (Not Elsewhere Classified) 7992 Public Golf Courses^ (^) Merchants classified with this MCC operate public golf courses. 7997 – Membership Clubs (Sports, Recreation, Athletic) , Country Clubs, and Private Golf Courses 7993 Video Amusement Game Supplies^ (^) Merchants classified with this MCC sell coin-operated amusement machines such as video game machines, 7994 –^ Video Game^ Arcades/Establishments

October 2025

MCC

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

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

7994 Video Game Arcades/Establishments^

(^) Merchants classified with this MCC operate arcades, amusement machines (such as video game machines, jukeboxes, pinball machines, mechanical games, instant photograph booths, and similar types of amusement equipment) and indoor playgrounds. Social casinos not offering any prizes of monetary value 7993 – Video Amusement and Game Supplies 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 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 of chance to win prizes of monetary value or betting establishments. Merchants that are unable to distinguish a betting transaction from other transactions must identify all transactions with MCC 7995. Betting – Casino Gaming Chips Betting – Lottery Tickets Betting – Off-Track Betting – Wagers Bingo Parlors Raffle Tickets Unlicensed Foreign Exchange Trading or Binary Options Sweepstakes 7800 – Government-Owned Lottery 7801 – Government-Licensed On- Line Casinos (On-Line Gambling) 7802 – Government-Licensed Horse/Dog Racing 7996 Amusement Parks, Circuses, Carnivals, and Fortune Tellers (^) Merchants classified with this MCC operate circuses, carnivals, and amusement and theme parks that offer mechanical rides, snacks and food stands, games, animal exhibits, and entertainment, as well as fortune- telling, astrology, mystic, and tarot card-reading services. County Fairs Fairs Mystics Tarot Readings State Fairs 7991 – Tourist Attractions and Exhibits 7999 – Recreation Services (Not Elsewhere Classified) 7997 Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses (^) Merchants classified with this MCC operate sports and recreation facilities that require membership such as exercise, athletic and health clubs, country clubs, private golf courses, boating and yacht clubs, swimming clubs, tennis clubs, bowling leagues, riding clubs, shooting and gun clubs, and racquetball clubs, and may also provide spa services Athletic Clubs – Physical Fitness Boating Clubs Clubs – Boating Clubs – Gun Clubs – Racquetball Clubs – Sailing 7297 – Massage Parlors 7298 – Health and Beauty Spas 7992 – Public Golf Courses

October 2025

MCC

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

Clubs – Sports
Clubs – Tennis
Clubs – Yacht
Country Clubs
Exercise Clubs
Fitness Clubs
Health Clubs
Private Golf Courses

7998 Aquariums, Seaquariums, Dolphinariums, and Zoos

(^) Merchants classified with this MCC operate zoos or sea life parks for entertainment and education for the general public. Sea Life Parks 7991 – Tourist Attractions and Exhibits 7999 Recreation Services (Not Elsewhere Classified) (^) Merchants classified with this MCC provide a wide variety of recreation and entertainment services that require active physical participation and that are not classified with a more specific MCC. Aircraft Rentals Ballooning Batting Cages Bicycle Rentals including electric scooters Fishing/Hunting Licenses Games Instruction Golf – Driving Ranges Horseback Riding Instruction – Games Miniature Golf Motorcycle Rentals Parachuting Public Swimming Pools Recreational Services – Aircraft Rentals Recreational Services – Driving Ranges Recreational Services – Miniature Golf Recreational Services – Ski Slopes Recreational Services – Sport, Games Instruction Resorts – Miscellaneous Resorts – Ski Roller Skating Rinks Shooting Ranges Sky Diving 4457 – Boat Rentals and Leasing 7032 – Sporting and Recreational Camps 7033 – Trailer Parks and Campgrounds 7298 – Health and Beauty Spas 7519 – Motor Home and Recreational Vehicle Rentals 7932 – Billiard and Pool Establishments 7933 – Bowling Alleys 7941 – Commercial Sports, Professional Sports Clubs, Athletic Fields, and Sports Promoters 7991 – Tourist Attractions and Exhibits 7992 – Public Golf Courses 7994 – Video Game Arcades/Establishments 7996 – Amusement Parks, Circuses, Carnivals, and Fortune Tellers 7997 – Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses 7998 – Aquariums, Seaquariums, Dolphinariums, and Zoos

October 2025

MCC

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

8011 Doctors and Physicians (Not Elsewhere Classified)

(^) Merchants classified with this MCC are licensed physicians engaged in a practice of general or specialized medicine and surgery that is not classified with a more specific MCC. Cosmetic Surgeons Dermatologists Gynecologists Medical Professionals – Doctors Neurologists Obstetricians Orthopedists Pediatricians Physicians Plastic Surgeons Psychiatrists Radiologists Surgeons 8021 – Dentists and Orthodontists 8031 – Osteopaths 8041 – Chiropractors 8042 – Optometrists and Ophthalmologists 8043 – Opticians, Optical Goods, and Eyeglasses 8049 – Podiatrists and Chiropodists 8099 – Medical Services and Health Practitioners ( Not Elsewhere Classified) 8021 Dentists and Orthodontists^ (^) Merchants classified with this MCC are licensed physicians that practice general or specialized dentistry such as dental surgery. 8011 – Doctors and Physicians (Not Elsewhere Classified) 8099 – Medical Services and Health Practitioners (Not Elsewhere Classified) 8031 Osteopaths (^) Merchants classified with this MCC provide therapy involving the non-surgical manipulation and adjustment of bone structures. 8011 – Doctors and Physicians (Not Elsewhere Classified) 8041 – Chiropractors 8099 – Medical Services and Health Practitioners (Not Elsewhere Classified) 8041 Chiropractors (^) Merchants classified with this MCC provide therapy in which the spinal column and limbs are manipulated or adjusted. 8011 – Doctors and Physicians (Not Elsewhere Classified) 8031 – Osteopaths8099 – Medical Services and Health Practitioners (Not Elsewhere Classified) 8042 Optometrists and Ophthalmologists (^) Merchants classified with this MCC are licensed physicians that examine and treat eye defects with corrective eyeglasses or contacts or surgical techniques, treat eye diseases, and may fill contact or eyeglass prescriptions and sell eyeglass frames. Eye Doctors 8011 – Doctors and Physicians (Not Elsewhere Classified) 8043 – Opticians, Optical Goods, and Eyeglasses 8099 – Medical Services and Health Practitioners (Not Elsewhere Classified)

October 2025

MCC

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

8043 Opticians, Optical Goods, and Eyeglasses

(^) Merchants classified with this MCC perform eye examinations, write prescriptions, make and sell eyeglasses, and sell other optical goods. Eyeglass Stores 8011 – Doctors and Physicians (Not Elsewhere Classified) 8042 – Optometrists and Ophthalmologists 8099 – Medical Services and Health Practitioners (Not Elsewhere Classified) 8049 Podiatrists and Chiropodists^ (^) Merchants classified with this MCC are licensed physicians specializing in diagnosing and treating foot ailments. Doctors – Chiropodists, Podiatrists Foot Doctors Medical Professionals – Podiatrists 8011 – Doctors and Physicians (Not Elsewhere Classified) 8099 – Medical Services and Health Practitioners (Not Elsewhere Classified) 8050 Nursing, Home Healthcare and Personal Care Facilities (^) Merchants classified with this MCC provide inpatient nursing or health-related personal care services and operate convalescent/nursing homes, hospice facilities, offer care in home/residential environment and other long-term care facilities that generally do not offer surgery. Convalescent Homes Elder Housing Hospice Facilities Nursing Homes Rest Homes Elder Care Skilled and Unskilled Home Care 8062 – Hospitals 8062 Hospitals (^) Merchants classified with this MCC are hospitals that provide diagnostic services, extensive medical treatment, surgery, continuous nursing services, mental and psychiatric care, and other hospital services. 0742 – Veterinary Services 8050 – Nursing and Personal Care Facilities 8071 Medical and Dental Laboratories (^) Merchants classified with this MCC provide medical and dental laboratory services. 8011 – Doctors and Physicians (Not Elsewhere Classified) 8021 – Dentists and Orthodontists 8099 Medical Services and Health Practitioners (Not Elsewhere Classified) (^) Merchants classified with this MCC are medical professionals that are not classified with a more specific MCC. Blood Banks Chemical Dependency Treatment Centers Fertility Clinics Hair Replacements – Surgical Health Practitioners, 8011 – Doctors and Physicians (Not Elsewhere Classified) 8021 – Dentists and Orthodontists 8031 – Osteopaths 8041 – Chiropractors 8042 – Optometrists and Ophthalmologists

October 2025

MCC

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

Medical Services
Hearing Testing Services
Massage – Therapeutic
Medical Professionals –
Medical Services, Health
Practitioners
Mental Health Practitioners
Physical Therapists
Psychiatrists
Psychologists
Services – Medical
Services, Health
Practitioners
Sports Medicine Clinics
Therapists

8043 – Opticians, Optical Goods,
and Eyeglasses
8049 – Podiatrists and Chiropodists
8050 – Nursing and Personal Care
Facilities
8062 – Hospitals
8071 – Medical and Dental
Laboratories

8111 Legal Services and Attorneys

(^) Merchants classified with this MCC are headed by members of the bar and provide legal advice and services. Attorneys Law Offices Lawyers 7277 – Counseling Services – Debt, Marriage, and Personal 8211 Elementary and Secondary Schools (^) Merchants classified with this MCC are elementary and secondary schools that provide academic instruction. Grade Schools Grammar Schools High Schools Middle Schools Schools – Kindergartens 8220 – Colleges, Universities, Professional Schools, and Junior Colleges 8241 – Correspondence Schools 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 and junior colleges, universities, theological seminaries and professional schools (such as dental, law, engineering, medical) that provide academic courses and grant academic degrees. Community Colleges Graduate Schools 8211 – Elementary and Secondary Schools 8241 – Correspondence Schools 8244 – Business and Secretarial Schools 8249 – Vocational and Trade Schools 8299 – Schools and Educational Services (Not Elsewhere Classified)

October 2025

MCC

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

8241 Correspondence Schools

(^) Merchants classified with this MCC are correspondence schools that offer educational and instruction through the mail/internet by sending lessons and examinations to the student. 8299 –^ Schools and Educational^ Services (Not Elsewhere Classified) 8244 Business and Secretarial Schools^ (^) Merchants classified with this MCC are business and secretarial schools that offer general business training such as office procedures, word processing, stenographic, and other clerical skills. Computer Training 8249 – Vocational and Trade Schools 8299 – Schools and Educational Services (Not Elsewhere Classified) 8249 Vocational and Trade Schools (^) Merchants classified with this MCC offer training and instruction in specialized professions such as welding, mechanics, carpentry, real estate, and truck driving. Technical Institutes 8244 – Business and Secretarial Schools 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 courses and services that are not classified with a more specific MCC. Art Schools Automobile Driving Instruction Aviation Instruction Cooking Schools Culinary Instruction Driver Education Class, School Flying Instruction School Job Training Services Karate Schools Modeling Schools Schools – Art Schools – Automobile Driving Instruction Services – Schools, Educational Services Traffic School 7911 – Dance Halls, Studios and Schools 8211 – Elementary and Secondary Schools 8220 – Colleges, Universities, Professional Schools, and Junior Colleges 8241 – Correspondence Schools 8244 – Business and Secretarial Schools 8249 – Vocational and Trade Schools 8351 Child Care Services (^) Merchants classified with this MCC provide care for infants or children. Babysitting Services Children – Day Care Services Nannies Nursery Schools Preschool Centers 8299 – Schools and Educational Services (Not Elsewhere Classified)

October 2025

MCC

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

8398 Charitable Social Service Organizations

(^) Merchants classified with this MCC are non-political fund-raising organizations engaged in soliciting charitable donations/contributions on behalf of organizations engaged in social welfare services, or social service organizations engaged in social welfare services. This MCC also includes crowd funding Merchants that accept donations on behalf of individuals raising money for various causes without receiving any perceived or actual financial benefit for doing so. Fund-Raising Organizations

• Non-Political Organizations – Non- Political Public Radio, Television Crowd Funding Merchants

5931 – Used Merchandise and
Secondhand Stores
8641 – Civic, Social, and Fraternal
Associations
8651 – Political Organizations
8661 – Religious Organizations
8675 – Automobile Associations
8699 – Membership Organizations
(Not Elsewhere Classified)

8641 Civic, Social, and Fraternal Associations

(^) Merchants classified with this MCC are associations engaged in civic, social, or fraternal activities. Alumni/Alumnae Associations Associations – Civic, Social, Fraternal Associations Chambers of Commerce Fraternal Associations Fund-Raising – Political Police Athletic Leagues (PAL) Social Associations, Clubs Veterans’ Organizations 8398 – Charitable Social Service Organizations 8651 – Political Organizations 8661 – Religious Organizations 8675 – Automobile Associations 8699 – Membership Organizations (Not Elsewhere Classified) 8651 Political Organizations (^) Merchants classified with this MCC are membership organizations that promote the interests of or raise funds for a national, state, or local political party or candidate. Political Fundraising 8398 – Charitable Social Service Organizations 8641 – Civic, Social, and Fraternal Associations 8661 – Religious Organizations 8675 – Automobile Associations 8699 – Membership Organizations (Not Elsewhere Classified) 8661 Religious Organizations (^) Merchants classified with this MCC are religious organizations that provide worship services, religious training or study, or religious activities. Chapels Churches Mosques Synagogues Temples 8398 – Charitable Social Service Organizations 8641 – Civic, Social, and Fraternal Associations 8699 – Membership Organizations (Not Elsewhere Classified) 8675 Automobile Associations (^) Merchants classified with this MCC are automobile associations and clubs that provide a variety of travel- related services to its members. Automobile Club 8699 – Membership Organizations (Not Elsewhere Classified)

October 2025

MCC

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

8699 Membership Organizations (Not Elsewhere Classified)

(^) Merchants classified with this MCC are organizations or associations that are not classified with a more specific MCC. Art Clubs Historical Clubs Labor Unions Organizations – Membership Organizations Poetry Clubs Professional Organizations Tenant Associations Condominium Associations HOAs Unions – Labor 7997 – Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses 8398 – Charitable Social Service Organizations 8641 – Civic, Social, and Fraternal Associations 8651 – Political Organizations 8661 – Religious Organizations 8675 – Automobile Associations 8734 Testing Laboratories (Non-Medical Testing)^ (^) Merchants classified with this MCC provide testing services (such as automobile testing, calibration and certification, food testing, forensic testing, product and pollution testing, and industrial X-ray inspection services). Food Testing Services Forensic Laboratories Pollution Testing Product Testing Laboratories Veterinary Testing Laboratories 8071 – Medical and Dental Laboratories 8911 Architectural, Engineering, and Surveying Services (^) Merchants classified with this MCC provide professional architectural, home and building design, boat design, and engineering, land, water, and aerial surveying services. 1520 – General Contractors – Residential and Commercial 1799 – Special Trade Contractors (Not Elsewhere Classified) 8999 – Professional Services (Not Elsewhere Classified) 8931 Accounting, Auditing, and Bookkeeping Services (^) Merchants classified with this MCC provide accounting, bookkeeping, billing and payroll services, and other related auditing services, and may also provide income tax preparation services. 7276 – Tax Preparation Services 8111 – Legal Services and Attorneys 8999 – Professional Services (Not Elsewhere Classified) 8999 Professional Services (Not Elsewhere Classified) (^) Merchants classified with this MCC provide professional services that are not classified with a more specific MCC. Appraisers Auction Houses Brokers – Mortgage, Loan Court Stenographer Financial Planners Graphic Designers Guest Speakers, Lecturers Lecturers 6211 – Security Brokers/Dealers 6300 – Insurance Sales, Underwriting, and Premiums 7012 – Timeshares 7276 – Tax Preparation Services 7277 – Counseling Services – Debt, Marriage, and Personal 7311 – Advertising Services

October 2025

MCC

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

Market Research Firms
Mortgage Brokers
Property Appraisers
Public Speakers
Real Estate Appraisers
Research Firms

7321 – Consumer Credit Reporting
Agencies
7361 – Employment Agencies and
Temporary Help Services
7392 – Management, Consulting,
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, and federal courts of law that administer and process court fees, alimony, and child support payments. 9222 – Fines 9399 – Government Services (Not Elsewhere Classified) 9222 Fines (^) Merchants classified with this MCC are government entities that administer and process local, state, and federal fines and penalties, motor vehicle violations, and community- or property-assessed fines. Community Assessed Penalties Motor Vehicle Violations 9211 – Court Costs, Including Alimony and Child Support 9399 – Government Services- (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, and federal entities that engage in financial administration and taxation including collection of taxes and penalties and custody and disbursement of funds. Customs Bureaus 9399 – Government Services (Not Elsewhere Classified) 9399 Government Services (Not Elsewhere Classified) (^) Merchants classified with this MCC are government entities that provide general support services to government and communities are not classified with a more specific MCC.

DMV

Department of Motor
Vehicles
Fire Departments
Libraries
Parks and Recreation
Police Departments

4784 – Tolls and Bridge Fees
7523 – Parking Lots, Parking Meters
and Garages
7992 – Public Golf Courses

October 2025

MCC

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

9402 Postal Services – Government Only

(^) Merchants classified with this MCC are government postal offices that provide a variety of services such as accepting and processing packages and mail for delivery and selling postage stamps. 7399 –^ Business Services (Not^ Elsewhere Classified). 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- owned lotteries that sell lottery tickets (^7800) – Government-Owned Lotteries (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.

Merchant Data Standards Manual Section 3 : New MCC or MCC Change Requests

October 2025

Section 3: New MCC or MCC Change Requests

To request a new MCC or changes to an existing MCC, members must submit to Visa, a completed Visa Merchant

Category Code Request Form, which is available on Visa 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.