Merchant Category Codes (MCC) Library

athletic leagues. The government office would like to use the same MCC for both situations. Based on the specificity of MCC 9311 for tax payments, it is inappropriate for the county to accept the ballpark registrations using this MCC. In this example, the office must use 9399 (Government Services, not elsewhere classified) because it is a payment to the county government that does not fall under any other government related MCC. Example Five: John’s Walk and Carry sells shoes and luggage on the internet. The majority of goods sold through the website are shoes, so the Merchant must use MCC 5661 (Shoe Stores). The Merchant may also use 5948 (Luggage and Leather Goods Stores) even though it is only required to use the one MCC for this Merchant outlet. If the Merchant decides to split the different businesses into different websites with separate check-out processes but with links between the sites, they are now considered two different Merchant outlets and must now use different MCCs to reflect the different businesses. Example Six: A service station uses AFDs to sell fuel on the forecourt and permits patrons to pay for petrol inside as well. The service station also sells a small amount of oil, drinks and snacks. The Merchant must use 5542 (Automated Fuel Dispensers) for the AFD sales, and 5541 (Service Stations with or without Ancillary Services) for their non-AFD sales. Example Seven: A Cardholder wants to acquire Bitcoin (BTC). They visit a Ramp Provider directly and use their Visa card. They acquire the Bitcoin which is sent to their crypto wallet. The Ramp Provider must use MCC 6051 for the transaction as the transaction involves the acquisition of non-fiat currency and the Ramp Provider is not a financial institution. Another day, the Cardholder visits their bank’s website with the intention of acquiring a tokenized short-term bond. The bank acts as the Ramp Provider and the Cardholder uses their Visa Card and acquires the tokenized bond. The bank acting as the Ramp Provider must use MCC 6012 as the transaction involves the acquisition of non-fiat currency and the bank is a financial institution. Example Eight: A Cardholder visits a Ramp Provider to acquire Solana (SOL). They use their Visa card, acquire the Solana with intent to load a general-purpose crypto wallet. The Ramp Provider must use MCC 6051 as the transaction involves the acquisition of non-fiat currency and it is not a financial institution. Another day, the Cardholder visits another Ramp Provider to acquire Ethereum with intent to gamble. The Cardholder uses their Visa card with the Ramp Provider who has an Affiliate where they send the Ethereum to in order to complete the Cardholder’s transaction. The Ramp Provider must use the MCC that best describes the Affiliate’s primary business as the Cardholder is paying the Affiliate for goods/services (e.g., in this case MCC 7995) 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. MCC and federal entities that engage in financial Elsewhere Classified) administration and taxation including collection of taxes and penalties and custody and disbursement of funds.

Merchants that provide dating and escort services, including computer and video personal introduction and matchmaking services.

telecommunications equipment such as telephones, Equipment including Local and Long-Distance fax machines, pagers, mobile phones, and other Telecommunications Calls, Credit Card Calls, Calls equipment related to telecommunications. Equipment Through Use of Magnetic Stripe Pagers, Paging Equipment Reading Telephones, and Fax Telephone Equipment Services

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

communications services such as telegrams. Calls, Credit Card Calls, Calls Telegraph Services Through Use of Magnetic Stripe Reading Telephones, and Fax Services

provide repair services. Retail Stores

services (such as automobile testing, calibration and Forensic Laboratories Laboratories certification, food testing, forensic testing, product and Pollution Testing pollution testing, and industrial X-ray inspection Product Testing services). Laboratories Veterinary Testing Laboratories