MCC Directory
Merchant Category Codes determine how card networks and acquirers classify your business. Your MCC affects rates, approval odds, and which PSPs will work with you.
Browse by Category
Airlines(87 codes)
United Airlines
American Airlines
Pan American
Eurofly
Dragon Airlines
British Airways
Japan Airlines
Air France
Lufthansa
Air Canada
KLM Royal Dutch Airlines
Aeroflot
+ 75 more codes in this category
Car Rental(21 codes)
Payless Car Rental
Ace Rent-A-Car
Auto Host Cost Car Rentals
Agency Rent-A-Car
General Rent-A-Car
A-1 Rent-A-Car
Hertz
Dollar Rent-A-Car
Thrifty Car Rental
Snappy Car Rental
Airways Rent-A-Car
Advantage Rent-A-Car
+ 9 more codes in this category
Hotels(36 codes)
Holiday Inns
Best Western
Sheraton
Hilton
Forte Hotels
Golden Tulip
Friendship Inns
Quality Inns
Marriott
Days Inn
Arabella Hotels
Inter-Continental
+ 24 more codes in this category
Travel(10 codes)
Travel Agencies and Tour Operators
Package Tour Operators
Steamship and Cruise Lines
Passenger Railways
Local and Suburban Commuter Passenger Transportation
Taxicabs and Limousines
Bus Lines
Motor Freight Carriers and Trucking
Courier Services
Public Warehousing and Storage
Financial Services(8 codes)
Financial Institutions - Manual Cash Disbursements
Financial Institutions - Automated Cash Disbursements
Financial Institutions - Merchandise and Services
Non-Financial Institutions - Foreign Currency, Money Orders
Security Brokers/Dealers
Insurance Sales, Underwriting
Real Estate Agents and Managers - Rentals
Wire Transfer and Money Orders
Gambling(4 codes)
Retail(91 codes)
Department Stores
Variety Stores
Grocery Stores, Supermarkets
Freezer and Locker Meat Provisioners
Candy, Nut, and Confectionery Stores
Dairy Products Stores
Bakeries
Miscellaneous Food Stores
Car and Truck Dealers (New and Used)
Car and Truck Dealers (Used Only)
Auto and Home Supply Stores
Automotive Tire Stores
+ 79 more codes in this category
Services(32 codes)
Laundry, Cleaning, and Garment Services
Laundries - Family and Commercial
Dry Cleaners
Carpet and Upholstery Cleaning
Photographic Studios
Barber and Beauty Shops
Shoe Repair Shops, Shoe Shine Parlors
Funeral Services and Crematories
Dating and Escort Services
Tax Preparation Services
Counseling Services - Debt, Marriage, Personal
Buying and Shopping Services and Clubs
+ 20 more codes in this category
Healthcare(14 codes)
Ambulance Services
Medical, Dental, Ophthalmic, and Hospital Equipment
Drugs, Drug Proprietors, and Druggist Sundries
Doctors and Physicians
Dentists and Orthodontists
Osteopaths
Chiropractors
Optometrists and Ophthalmologists
Opticians, Optical Goods, and Eyeglasses
Podiatrists and Chiropodists
Nursing and Personal Care Facilities
Hospitals
+ 2 more codes in this category
Digital Goods(5 codes)
Entertainment(16 codes)
Motion Picture Theaters
Express Payment Service - Motion Picture Theaters
Dance Halls, Studios, and Schools
Theatrical Producers and Ticket Agencies
Bands, Orchestras, and Miscellaneous Entertainers
Billiard and Pool Establishments
Bowling Alleys
Commercial Sports, Professional Sports Clubs, Athletic Fields
Tourist Attractions and Exhibits
Public Golf Courses
Video Amusement Game Supplies
Video Game Arcades and Establishments
+ 4 more codes in this category
Education(6 codes)
Government(7 codes)
Utilities(8 codes)
Telecommunication Equipment and Telephone Sales
Key-entry Telecom Merchant - Long Distance Carriers
Telecommunication Services - Fax, Data Transmission
Monthly Summary Telephone Charges
Computer Network/Information Services
Telegraph Services
Cable, Satellite, and Other Pay Television and Radio Services
Utilities - Electric, Gas, Water, Sanitary
High-Risk MCC Codes
These codes typically face more scrutiny from acquirers. Higher rates, rolling reserves, and stricter underwriting are common. We specialize in placing merchants with these codes.
Travel Agencies and Tour Operators
High chargeback risk due to advance purchases, cancellations, and delivery disputes
Package Tour Operators
High risk - combined services increase dispute complexity
Steamship and Cruise Lines
High value transactions with significant advance booking period
Financial Institutions - Manual Cash Disbursements
Financial Institutions - Automated Cash Disbursements
Financial Institutions - Merchandise and Services
Used for licensed financial institutions including some crypto exchanges
Non-Financial Institutions - Foreign Currency, Money Orders
Primary MCC for crypto and forex - quasi-cash designation creates banking challenges
Security Brokers/Dealers
Used for regulated securities trading
Gambling Transactions
Primary iGaming MCC - betting, casino wagers, lottery tickets. Requires gambling license.
Government-Licensed Online Casinos
Licensed online casino gambling
Government-Licensed Horse/Dog Racing
Licensed horse and dog racing betting
Direct Marketing - Inbound Telemarketing
Often used for adult subscription services. High chargeback rates typical.
Pawn Shops
Direct Marketing - Travel-Related Arrangement Services
Door-to-Door Sales
Need help with a specific MCC?
We know which PSPs have appetite for each code. Tell us yours and we'll find you options.
Talk to Us