Merchant category codes
Last updated: April 29, 2022
We use the following four-digit ISO 18245 merchant category codes (MCCs) to classify your business.
| Merchant category code | Description |
|---|---|
| Veterinary services |
| Agricultural co-operatives |
| Landscaping and horticultural services |
| General contractors – residential & commercial |
| Heating, plumbing, and air conditioning contractors |
| Electrical contractors |
| Masonry, stonework, tile setting, plastering & insulation contractors |
| Carpentry contractors |
| Roofing, siding, and sheet metal work contractors |
| Asphalt, cement, and concrete work contractors |
| Special trade contractors (not elsewhere classified) |
| Miscellaneous publishing and printing |
| Typesetting, plate making, and related services |
| Specialty cleaning, polishing, & sanitation preparations |
| Freight Railways |
| Local passenger transportation |
| Passenger railways |
| Ambulance services |
| Taxicabs and limousines |
| Bus lines |
| Motor freight carriers and trucking |
| Courier services |
| Public warehousing and storage |
| Steamship and cruise lines |
| Boat rentals and leasing |
| Marinas, marine service, and supplies |
| Airlines and air carriers (not elsewhere classified) |
| Airports, flying fields, and airport terminals |
| Travel agencies and tour operators |
| Toll and bridge fees |
| Transportation services (not elsewhere classified) |
| Telecommunication equipment and telephone sales |
| Key-entry telecom merchants |
| Telecommunication services |
| Computer network / information services |
| Telegraph services |
| Money transfer |
| Cable, satellite, and other pay television and radio services |
| Utilities – electric, gas, heating oil, sanitary, water |
| Motor vehicle supplies and new parts |
| Office and commercial furniture |
| Construction materials (not elsewhere classified) |
| Office, photographic, photocopy, and microfilm equipment |
| Computers and computer peripheral equipment and services |
| Commercial equipment (not elsewhere classified) |
| Medical, dental, ophthalmic, and hospital equipment and supplies |
| Metal service centers and offices |
| Electrical parts and equipment |
| Hardware equipment and supplies |
| Plumbing and heating equipment and supplies |
| Industrial supplies (not elsewhere classified) |
| Precious stones, metals, watches, and jewelry |
| Durable goods (not elsewhere classified) |
| Stationery, office supplies, printing, and writing paper |
| Drugs, drug proprietaries, and druggist sundries |
| Piece goods, notions, and other dry goods |
| Men's, women's, and children's uniforms, and commercial clothing |
| Commercial footwear |
| Chemicals and allied products (not elsewhere classified) |
| Petroleum and petroleum products |
| Books, periodicals, and newspapers |
| Florist supplies, nursery stock, and flowers |
| Paint, varnishes, and supplies |
| Nondurable goods (not elsewhere classified) |
| Home supply warehouse stores |
| Lumber and building materials stores |
| Glass, paint, and wallpaper stores |
| Hardware stores |
| Nurseries and lawn and garden supply stores |
| Online marketplaces |
| Mobile home dealers |
| Wholesale clubs |
| Duty free stores |
| Discount stores |
| Department stores |
| Variety stores |
| Miscellaneous general merchandise |
| Grocery stores and supermarkets |
| Freezer and locker meat provisioners |
| Candy, nut, and confectionery stores |
| Dairy products stores |
| Bakeries |
| Miscellaneous food stores – convenience stores and specialty markets |
| Car and truck dealers (new and used) – sales, service, repairs, parts, and leasing |
| Car and truck dealers (used only) – sales, service, repairs, parts, and leasing |
| Auto and home supply stores |
| Automotive tire stores |
| Automotive parts and accessories stores |
| Service stations |
| Automated fuel dispensers |
| Boat dealers |
| Electric vehicle charging |
| Camper, recreational, and utility trailer dealers |
| Motorcycle shops and dealers |
| Motor home dealers |
| Snowmobile dealers |
| Miscellaneous automotive, aircraft, and farm equipment dealers (not elsewhere classified) |
| Men's and boys' clothing and accessories stores |
| Women's ready-to-wear stores |
| Women's accessory and specialty shops |
| Children's and infants' wear stores |
| Family clothing stores |
| Sports and riding apparel stores |
| Shoe stores |
| Furriers and fur shops |
| Men's and women's clothing stores |
| Tailors, seamstresses, mending, and alterations |
| Wig and toupee stores |
| Miscellaneous apparel and accessory shops |
| Furniture, home furnishings, and equipment stores, excepting appliances |
| Floor covering stores |
| Drapery, window covering, and upholstery stores |
| Fireplace, fireplace screens, and accessories stores |
| Miscellaneous home furnishing specialty stores |
| Household appliance stores |
| Electronics stores |
| Music stores – musical instruments, pianos, and sheet music |
| Computer software stores |
| Record stores |
| Caterers |
| Eating places & restaurants |
| Drinking places – bars, taverns, nightclubs, cocktail lounges, and discotheques |
| Fast food restaurants |
| Digital goods – books, movies, music, and NFTs |
| Digital goods – games |
| Digital goods – software applications (excluding games) |
| Digital goods – multi-category |
| Drug stores and pharmacies |
| Package stores – beer, wine, and liquor |
| Used merchandise and secondhand stores |
| Antique shops – sales, repairs, and restoration services |
| Pawn shops |
| Wrecking and salvage yards |
| Antique reproductions |
| Bicycle shops – sales and service |
| Sporting goods stores |
| Book stores |
| Stationery stores, office and school supply stores |
| Jewelry stores, watches, clocks, and silverware stores |
| Hobby, toy, and game shops |
| Camera and photographic supply stores |
| Gift, card, novelty, and souvenir shops |
| Luggage and leather goods stores |
| Sewing needlework, fabric, and piece goods stores |
| Glassware / crystal stores |
| Direct marketing – insurance services |
| Door-to-door sales |
| Direct marketing – catalog merchants |
| Direct marketing – combination catalog and retail merchants |
| Direct marketing – outbound telemarketing merchants (high-risk MCC) |
| Direct marketing – inbound telemarketing merchants (high-risk MCC) |
| Direct marketing – continuity/subscription merchants |
| Direct marketing – other direct marketers (not elsewhere classified) |
| Artists supply and craft shops |
| Art dealers and galleries |
| Stamp and coin stores |
| Religious goods stores |
| Hearing aids – sales, service, and supply |
| Orthopedic goods – prosthetic devices |
| Cosmetic stores |
| Typewriters – sales, rentals, & service |
| Fuel dealers – fuel oil, wood, coal, liquefied petroleum |
| Florists |
| Cigar stores and stands |
| News dealers and newsstands |
| Pet shops, pet foods and supplies stores |
| Swimming pools – sales and service |
| Electric razor stores |
| Tent and awning shops |
| Miscellaneous and specialty retail shops |
| Financial institutions – manual cash disbursements |
| Financial institutions – automated cash disbursements |
| Financial institutions merchandise and services |
| Quasi cash – customer financial institutions |
| Non-financial institutions – foreign currency, money orders, and travelers cheques |
| Security brokers / dealers |
| Insurance sales, underwriting, and premiums |
| Real estate agents and managers – rentals |
| Payment transaction – customer financial institution |
| Payment transaction – merchant |
| MoneySend Intracountry |
| MoneySend Intercountry |
| MoneySend Funding |
| POI Funding Transaction |
| Lodging – hotels, motels, resorts, and central reservation services (not elsewhere classified) |
| Timeshares |
| Sporting and recreational camps |
| Trailer parks and campgrounds |
| Laundry, cleaning, and garment services |
| Laundries – family and commercial |
| Dry cleaners |
| Carpet and upholstery cleaning |
| Photographic studios |
| Beauty and barber shops |
| Shoe repair shops, shoe shine parlors, and hat cleaning shops |
| Funeral service and crematories |
| Dating services |
| Tax preparation services |
| Counseling services – debt, marriage, and personal |
| Buying and shopping services and clubs |
| Clothing rental – costumes, uniforms, and formal wear |
| Massage parlors |
| Health and beauty spas |
| Miscellaneous personal services (not elsewhere classified) |
| Advertising services |
| Consumer credit reporting agencies |
| Commercial photography, art, and graphics |
| Quick copy, reproduction, and blueprinting services |
| Stenographic and secretarial support |
| Exterminating and disinfecting services |
| Cleaning, maintenance, and janitorial services |
| Employment agencies and temporary help services |
| Computer programming, data processing, and integrated systems design services |
| Information retrieval services |
| Computer maintenance, repair, and services (not elsewhere classified) |
| Management, consulting, and public relations services |
| Detective agencies, protective services, and security services |
| Equipment, tool, furniture, and appliance rental and leasing |
| Photofinishing laboratories and photo developing |
| Business services (not elsewhere classified) |
| Automobile rental agency |
| Truck and utility trailer rentals |
| Motor home and recreational vehicle rentals |
| Parking lots and garages |
| Automotive body repair shops |
| Tire retreading and repair shops |
| Automotive paint shops |
| Automotive service shops (non-dealer) |
| Car washes |
| Towing services |
| Electronics repair shops |
| Air conditioning and refrigeration repair shops |
| Electrical and small appliance repair shops |
| Watch, clock, and jewelry repair |
| Furniture – reupholstery, repair, and refinishing |
| Welding services |
| Miscellaneous repair shops and related services |
| Government-owned lotteries (US only) |
| Internet gambling (US only) |
| Government-licensed horse/dog racing (US only) |
| Motion picture and video tape production and distribution |
| Motion picture theaters |
| Video tape rental stores |
| Dance halls, studios, and schools |
| Theatrical producers and ticket agencies |
| Bands, orchestras, and miscellaneous entertainers (not elsewhere classified) |
| Billiard and pool establishments |
| Bowling alleys |
| Commercial sports, professional sports clubs, athletic fields, and sports promoters |
| Tourist attractions and exhibits |
| Public golf courses |
| Video amusement game supplies |
| Video game arcades / establishments |
| Betting, including lottery tickets, casino gaming chips, off-track betting, and wagers at race tracks |
| Amusement parks, circuses, carnivals, and fortune tellers |
| Membership clubs, country clubs, and private golf courses |
| Aquariums, dolphinariums, zoos, and seaquariums |
| Recreation services (not elsewhere classified) |
| Doctors and physicians (not elsewhere classified) |
| Dentists and orthodontists |
| Osteopaths |
| Chiropractors |
| Optometrists and ophthalmologists |
| Opticians, optical goods, and eyeglasses |
| Podiatrists and chiropodists |
| Nursing and personal care facilities |
| Hospitals |
| Medical and dental laboratories |
| Medical services and health practitioners (not elsewhere classified) |
| Legal services and attorneys |
| Elementary and secondary schools |
| Colleges, universities, professional schools, and junior colleges |
| Correspondence schools |
| Business and secretarial schools |
| Vocational and trade schools |
| Schools and educational services (not elsewhere classified) |
| Child care services |
| Charitable and social service organizations |
| Civic, social, and fraternal associations |
| Political organizations |
| Religious organizations |
| Automobile associations |
| Membership organizations (not elsewhere classified) |
| Testing laboratories (non-medical testing) |
| Architectural, engineering, and surveying services |
| Accounting, auditing, and bookkeeping services |
| Professional services (not elsewhere classified) |
| Court costs, including alimony and child support |
| Fines |
| Bail and bond payments |
| Tax payments |
| Government services (not elsewhere classified) |
| Postal services – government only |
| US federal government agencies or departments |
| Government-owned lotteries (non-US) |
| Intra-company purchases |