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Merchant Category Codes, decoded.

Every four-digit MCC and the business type it classifies — searchable in one place. Your MCC quietly affects your rate, your fees, and how you're underwritten. Here's the full list.

What is an MCC?

A four-digit label for what your business sells.

Card networks tag every merchant with a Merchant Category Code — 5812 for restaurants, 5411 for grocery, 7230 for salons. It travels with every transaction and helps determine your interchange, your risk classification, and which card programs apply. The wrong code can cost you; the right one keeps your pricing honest.

Is your rate right for your MCC? →
The full directory

Search 298 merchant category codes.

Type a code or a business type — or filter by category.

Showing 298 of 298
CodeMerchant typeCategory
0742 Veterinary Services Agricultural Services
0763 Agricultural Co-operatives Agricultural Services
0780 Horticultural Services, Landscaping Services Agricultural Services
1520 General Contractors-Residential and Commercial Contracted Services
1711 Air Conditioning Contractors – Sales and Installation, Heating Contractors – Sales, Service, Installation Contracted Services
1731 Electrical Contractors Contracted Services
1740 Insulation – Contractors, Masonry, Stonework Contractors, Plastering Contractors, Stonework and Masonry Contractors, Tile Settings Contractors Contracted Services
1750 Carpentry Contractors Contracted Services
1761 Roofing – Contractors, Sheet Metal Work – Contractors, Siding – Contractors Contracted Services
1771 Contractors – Concrete Work Contracted Services
1799 Contractors – Special Trade, Not Elsewhere Classified Contracted Services
2741 Miscellaneous Publishing and Printing Contracted Services
2791 Typesetting, Plate Making, & Related Services Contracted Services
2842 Specialty Cleaning, Polishing, and Sanitation Preparations Contracted Services
4011 Railroads Transportation
4111 Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation. Transportation
4112 Passenger Railways Transportation
4119 Ambulance Services Transportation
4121 Taxicabs and Limousines Transportation
4131 Bus Lines, Including Charters, Tour Buses Transportation
4214 Motor Freight Carriers, Moving and Storage Companies, Trucking – Local/Long Distance, Delivery Services – Local Transportation
4215 Courier Services – Air or Ground, Freight forwarders Transportation
4225 Public warehousing, Storage Transportation
4411 Cruise and Steamship Lines Transportation
4457 Boat Rentals and Leases Transportation
4468 Marinas, Marine Service, and Supplies Transportation
4511 Airlines, Air Carriers ( not listed elsewhere) Transportation
4582 Airports, Airport Terminals, Flying Fields Transportation
4722 Travel Agencies and Tour Operations Transportation
4723 Package Tour Operators (For use in Germany only) Transportation
4784 Toll and Bridge Fees Transportation
4789 Transportation Services, Not elsewhere classified) Transportation
4812 Telecommunications Equipment including telephone sales Utilities
4814 Fax services, Telecommunication Services Utilities
4815 VisaPhone Utilities
4816 Computer Network Services Utilities
4821 Telegraph services Utilities
4829 Money Orders – Wire Transfer Utilities
4899 Cable and other pay television (previously Cable Services) Utilities
4900 Electric, Gas, Sanitary and Water Utilities Utilities
5013 Motor vehicle supplies and new parts Retail Stores
5021 Office and Commercial Furniture Retail Stores
5039 Construction Materials, Not Elsewhere Classified Retail Stores
5044 Office, Photographic, Photocopy, and Microfilm Equipment Retail Stores
5045 Computers, Computer Peripheral Equipment, Software Retail Stores
5046 Commercial Equipment, Not Elsewhere Classified Retail Stores
5047 Medical, Dental Ophthalmic, Hospital Equipment and Supplies Retail Stores
5051 Metal Service Centers and Offices Retail Stores
5065 Electrical Parts and Equipment Retail Stores
5072 Hardware Equipment and Supplies Retail Stores
5074 Plumbing and Heating Equipment and Supplies Retail Stores
5085 Industrial Supplies, Not Elsewhere Classified Retail Stores
5094 Precious Stones and Metals, Watches and Jewelry Retail Stores
5099 Durable Goods, Not Elsewhere Classified Retail Stores
5111 Stationery, Office Supplies, Printing, and Writing Paper Retail Stores
5122 Drugs, Drug Proprietors, and Druggist’s Sundries Retail Stores
5131 Piece Goods, Notions, and Other Dry Goods Retail Stores
5137 Men’s Women’s and Children’s Uniforms and Commercial Clothing Retail Stores
5139 Commercial Footwear Retail Stores
5169 Chemicals and Allied Products, Not Elsewhere Classified Retail Stores
5172 Petroleum and Petroleum Products Retail Stores
5192 Books, Periodicals, and Newspapers Retail Stores
5193 Florists’ Supplies, Nursery Stock and Flowers Retail Stores
5198 Paints, Varnishes, and Supplies Retail Stores
5199 Non-durable Goods, Not Elsewhere Classified Retail Stores
5200 Home Supply Warehouse Stores Retail Stores
5211 Lumber and Building Materials Stores Retail Stores
5231 Glass, Paint, and Wallpaper Stores Retail Stores
5251 Hardware Stores Retail Stores
5261 Nurseries – Lawn and Garden Supply Store Retail Stores
5271 Mobile Home Dealers Retail Stores
5300 Wholesale Clubs Retail Stores
5309 Duty Free Store Retail Stores
5310 Discount Stores Retail Stores
5311 Department Stores Retail Stores
5331 Variety Stores Retail Stores
5399 Misc. General Merchandise Retail Stores
5411 Grocery Stores, Supermarkets Retail Stores
5422 Meat Provisioners – Freezer and Locker Retail Stores
5441 Candy, Nut, and Confectionery Stores Retail Stores
5451 Dairy Products Stores Retail Stores
5462 Bakeries Retail Stores
5499 Misc. Food Stores – Convenience Stores and Specialty Markets Retail Stores
5511 Car and Truck Dealers (New and Used) Sales, Service, Repairs, Parts, and Leasing Retail Stores
5521 Automobile and Truck Dealers (Used Only) Retail Stores
5531 Automobile Supply Stores Retail Stores
5532 Automotive Tire Stores Retail Stores
5533 Automotive Parts, Accessories Stores Retail Stores
5541 Service Stations ( with or without ancillary services) Retail Stores
5542 Automated Fuel Dispensers Retail Stores
5551 Boat Dealers Retail Stores
5561 Recreational and Utility Trailers, Camp Dealers Retail Stores
5571 Motorcycle Dealers Retail Stores
5592 Motor Home Dealers Retail Stores
5598 Snowmobile Dealers Retail Stores
5599 Miscellaneous Auto Dealers Retail Stores
5611 Men’s and Boy’s Clothing and Accessories Stores Clothing & Apparel
5621 Women’s Ready-to-Wear Stores Clothing & Apparel
5631 Women’s Accessory and Specialty Shops Clothing & Apparel
5641 Children’s and Infant’s Wear Stores Clothing & Apparel
5651 Family Clothing Stores Clothing & Apparel
5655 Sports Apparel, Riding Apparel Stores Clothing & Apparel
5661 Shoe Stores Clothing & Apparel
5681 Furriers and Fur Shops Clothing & Apparel
5691 Men’s and Women’s Clothing Stores Clothing & Apparel
5697 Tailors, Seamstress, Mending, and Alterations Clothing & Apparel
5698 Wig and Toupee Stores Clothing & Apparel
5699 Miscellaneous Apparel and Accessory Shops Clothing & Apparel
5712 Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances Miscellaneous Stores
5713 Floor Covering Stores Miscellaneous Stores
5714 Drapery, Window Covering and Upholstery Stores Miscellaneous Stores
5718 Fireplace, Fireplace Screens, and Accessories Stores Miscellaneous Stores
5719 Miscellaneous Home Furnishing Specialty Stores Miscellaneous Stores
5722 Household Appliance Stores Miscellaneous Stores
5732 Electronic Sales Miscellaneous Stores
5733 Music Stores, Musical Instruments, Piano Sheet Music Miscellaneous Stores
5734 Computer Software Stores Miscellaneous Stores
5735 Record Shops Miscellaneous Stores
5811 Caterers Miscellaneous Stores
5812 Eating places and Restaurants Miscellaneous Stores
5813 Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques Miscellaneous Stores
5814 Fast Food Restaurants Miscellaneous Stores
5815 Digital Goods: Media, Books, Movies, Music Miscellaneous Stores
5816 Digital Goods: Games Miscellaneous Stores
5817 Digital Goods: Applications (Excludes Games) Miscellaneous Stores
5818 Digital Goods: Large Digital Goods Merchant Miscellaneous Stores
5832 Antique Shops – Sales, Repairs, and Restoration Services Miscellaneous Stores
5912 Drug Stores and Pharmacies Miscellaneous Stores
5921 Package Stores – Beer, Wine, and Liquor Miscellaneous Stores
5931 Used Merchandise and Secondhand Stores Miscellaneous Stores
5932 Antique Shops Miscellaneous Stores
5933 Pawn Shops and Salvage Yards Miscellaneous Stores
5935 Wrecking and Salvage Yards Miscellaneous Stores
5937 Antique Reproductions Miscellaneous Stores
5940 Bicycle Shops – Sales and Service Miscellaneous Stores
5941 Sporting Goods Stores Miscellaneous Stores
5942 Book Stores Miscellaneous Stores
5943 Stationery Stores, Office and School Supply Stores Miscellaneous Stores
5944 Watch, Clock, Jewelry, and Silverware Stores Miscellaneous Stores
5945 Hobby, Toy, and Game Shops Miscellaneous Stores
5946 Camera and Photographic Supply Stores Miscellaneous Stores
5947 Card Shops, Gift, Novelty, and Souvenir Shops Miscellaneous Stores
5948 Leather Goods Stores Miscellaneous Stores
5949 Sewing, Needle, Fabric, and Price Goods Stores Miscellaneous Stores
5950 Glassware/Crystal Stores Miscellaneous Stores
5960 Direct Marketing- Insurance Service Miscellaneous Stores
5961 Mail Order Houses Including Catalog Order Stores, Book/Record Clubs (No longer permitted for U.S. original presentments) Miscellaneous Stores
5962 Direct Marketing – Travel Related Arrangements Services Miscellaneous Stores
5963 Door-to-Door Sales Miscellaneous Stores
5964 Direct Marketing – Catalog Merchant Miscellaneous Stores
5965 Direct Marketing – Catalog and Catalog and Retail Merchant Miscellaneous Stores
5966 Direct Marketing- Outbound Telemarketing Merchant Miscellaneous Stores
5967 Direct Marketing – Inbound Teleservices Merchant Miscellaneous Stores
5968 Direct Marketing – Continuity/Subscription Merchant Miscellaneous Stores
5969 Direct Marketing – Not Elsewhere Classified Miscellaneous Stores
5970 Artist’s Supply and Craft Shops Miscellaneous Stores
5971 Art Dealers and Galleries Miscellaneous Stores
5972 Stamp and Coin Stores – Philatelic and Numismatic Supplies Miscellaneous Stores
5973 Religious Goods Stores Miscellaneous Stores
5975 Hearing Aids – Sales, Service, and Supply Stores Miscellaneous Stores
5976 Orthopedic Goods Prosthetic Devices Miscellaneous Stores
5977 Cosmetic Stores Miscellaneous Stores
5978 Typewriter Stores – Sales, Rental, Service Miscellaneous Stores
5983 Fuel – Fuel Oil, Wood, Coal, Liquefied Petroleum Miscellaneous Stores
5992 Florists Miscellaneous Stores
5993 Cigar Stores and Stands Miscellaneous Stores
5994 News Dealers and Newsstands Miscellaneous Stores
5995 Pet Shops, Pet Foods, and Supplies Stores Miscellaneous Stores
5996 Swimming Pools – Sales, Service, and Supplies Miscellaneous Stores
5997 Electric Razor Stores – Sales and Service Miscellaneous Stores
5998 Tent and Awning Shops Miscellaneous Stores
5999 Miscellaneous and Specialty Retail Stores Miscellaneous Stores
6010 Financial Institutions – Manual Cash Disbursements Miscellaneous Stores
6011 Financial Institutions – Manual Cash Disbursements Miscellaneous Stores
6012 Financial Institutions – Merchandise and Services Miscellaneous Stores
6051 Non-Financial Institutions – Foreign Currency, Money Orders (not wire transfer) and Travelers Cheques Miscellaneous Stores
6211 Security Brokers/Dealers Miscellaneous Stores
6300 Insurance Sales, Underwriting, and Premiums Miscellaneous Stores
6381 Insurance Premiums, (no longer valid for first presentment work) Miscellaneous Stores
6399 Insurance, Not Elsewhere Classified ( no longer valid forfirst presentment work) Miscellaneous Stores
6513 Real Estate Agents and Managers - Rentals Miscellaneous Stores
7011 Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified) Miscellaneous Stores
7012 Timeshares Miscellaneous Stores
7032 Sporting and Recreational Camps Miscellaneous Stores
7033 Trailer Parks and Camp Grounds Miscellaneous Stores
7210 Laundry, Cleaning, and Garment Services Miscellaneous Stores
7211 Laundry – Family and Commercial Miscellaneous Stores
7216 Dry Cleaners Miscellaneous Stores
7217 Carpet and Upholstery Cleaning Miscellaneous Stores
7221 Photographic Studios Miscellaneous Stores
7230 Barber and Beauty Shops Miscellaneous Stores
7251 Shop Repair Shops and Shoe Shine Parlors, and Hat Cleaning Shops Miscellaneous Stores
7261 Funeral Service and Crematories Miscellaneous Stores
7273 Dating and Escort Services Miscellaneous Stores
7276 Tax Preparation Service Miscellaneous Stores
7277 Counseling Service – Debt, Marriage, Personal Miscellaneous Stores
7278 Buying/Shopping Services, Clubs Miscellaneous Stores
7296 Clothing Rental – Costumes, Formal Wear, Uniforms Miscellaneous Stores
7297 Massage Parlors Miscellaneous Stores
7298 Health and Beauty Shops Miscellaneous Stores
7299 Miscellaneous Personal Services ( not elsewhere classifies) Miscellaneous Stores
7311 Advertising Services Business Services
7321 Consumer Credit Reporting Agencies Business Services
7332 Blueprinting and Photocopying Services Business Services
7333 Commercial Photography, Art and Graphics Business Services
7338 Quick Copy, Reproduction and Blueprinting Services Business Services
7339 Stenographic and Secretarial Support Services Business Services
7342 Exterminating and Disinfecting Services Business Services
7349 Cleaning and Maintenance, Janitorial Services Business Services
7361 Employment Agencies, Temporary Help Services Business Services
7372 Computer Programming, Integrated Systems Design and Data Processing Services Business Services
7375 Information Retrieval Services Business Services
7379 Computer Maintenance and Repair Services, Not Elsewhere Classified Business Services
7392 Management, Consulting, and Public Relations Services Business Services
7393 Protective and Security Services – Including Armored Carsand Guard Dogs Business Services
7394 Equipment Rental and Leasing Services, Tool Rental, Furniture Rental, and Appliance Rental Business Services
7395 Photofinishing Laboratories, Photo Developing Business Services
7399 Business Services, Not Elsewhere Classified Business Services
7511 Truck Stop Business Services
7512 Car Rental Companies ( Not Listed Below) Business Services
7513 Truck and Utility Trailer Rentals Business Services
7519 Motor Home and Recreational Vehicle Rentals Business Services
7523 Automobile Parking Lots and Garages Business Services
7531 Automotive Body Repair Shops Business Services
7534 Tire Re-treading and Repair Shops Business Services
7535 Paint Shops – Automotive Business Services
7538 Automotive Service Shops Business Services
7542 Car Washes Business Services
7549 Towing Services Business Services
7622 Radio Repair Shops Business Services
7623 Air Conditioning and Refrigeration Repair Shops Business Services
7629 Electrical And Small Appliance Repair Shops Business Services
7631 Watch, Clock, and Jewelry Repair Business Services
7641 Furniture, Furniture Repair, and Furniture Refinishing Business Services
7692 Welding Repair Business Services
7699 Repair Shops and Related Services –Miscellaneous Business Services
7800 Government-Owned Lotteries Business Services
7801 Government-Licensed On-Line Casinos (On-Line Gambling) Business Services
7802 Government-Licensed Horse/Dog Racing Business Services
7829 Motion Pictures and Video Tape Production and Distribution Business Services
7832 Motion Picture Theaters Business Services
7841 Video Tape Rental Stores Business Services
7911 Dance Halls, Studios and Schools Business Services
7922 Theatrical Producers (Except Motion Pictures), Ticket Agencies Business Services
7929 Bands, Orchestras, and Miscellaneous Entertainers (Not Elsewhere Classified) Business Services
7932 Billiard and Pool Establishments Business Services
7933 Bowling Alleys Business Services
7941 Commercial Sports, Athletic Fields, Professional Sport Clubs, and Sport Promoters Business Services
7991 Tourist Attractions and Exhibits Business Services
7992 Golf Courses – Public Business Services
7993 Video Amusement Game Supplies Business Services
7994 Video Game Arcades/Establishments Business Services
7995 Betting (including Lottery Tickets, Casino Gaming Chips, Off-track Betting and Wagers at Race Tracks) Business Services
7996 Amusement Parks, Carnivals, Circuses, Fortune Tellers Business Services
7997 Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses Business Services
7998 Aquariums, Sea-aquariums, Dolphinariums Business Services
7999 Recreation Services (Not Elsewhere Classified) Business Services
8011 Doctors and Physicians (Not Elsewhere Classified) Professional & Membership
8021 Dentists and Orthodontists Professional & Membership
8031 Osteopaths Professional & Membership
8041 Chiropractors Professional & Membership
8042 Optometrists and Ophthalmologists Professional & Membership
8043 Opticians, Opticians Goods and Eyeglasses Professional & Membership
8044 Opticians, Optical Goods, and Eyeglasses (no longer validfor first presentments) Professional & Membership
8049 Podiatrists and Chiropodists Professional & Membership
8050 Nursing and Personal Care Facilities Professional & Membership
8062 Hospitals Professional & Membership
8071 Medical and Dental Laboratories Professional & Membership
8099 Medical Services and Health Practitioners (Not Elsewhere Classified) Professional & Membership
8111 Legal Services and Attorneys Professional & Membership
8211 Elementary and Secondary Schools Professional & Membership
8220 Colleges, Junior Colleges, Universities, and ProfessionalSchools Professional & Membership
8241 Correspondence Schools Professional & Membership
8244 Business and Secretarial Schools Professional & Membership
8249 Vocational Schools and Trade Schools Professional & Membership
8299 Schools and Educational Services ( Not Elsewhere Classified) Professional & Membership
8351 Child Care Services Professional & Membership
8398 Charitable and Social Service Organizations Professional & Membership
8641 Civic, Fraternal, and Social Associations Professional & Membership
8651 Political Organizations Professional & Membership
8661 Religious Organizations Professional & Membership
8675 Automobile Associations Professional & Membership
8699 Membership Organizations ( Not Elsewhere Classified) Professional & Membership
8734 Testing Laboratories ( non-medical) Professional & Membership
8911 Architectural – Engineering and Surveying Services Professional & Membership
8931 Accounting, Auditing, and Bookkeeping Services Professional & Membership
8999 Professional Services ( Not Elsewhere Defined) Professional & Membership
9211 Court Costs, including Alimony and Child Support Government Services
9222 Fines Government Services
9223 Bail and Bond Payments Government Services
9311 Tax Payments Government Services
9399 Government Services ( Not Elsewhere Classified) Government Services
9402 Postal Services – Government Only Government Services
9405 Intra – Government Transactions Government Services
9700 Automated Referral Service ( For Visa Only) Government Services
9701 Visa Credential Service ( For Visa Only) Government Services
9702 GCAS Emergency Services ( For Visa Only) Government Services
9950 Intra – Company Purchases ( For Visa Only) Government Services
No codes match “.” Try a different term.

Compiled from public card-network category lists. Codes and descriptions are for reference — your processor assigns your actual MCC when your account is boarded.

FAQ

MCC questions, answered.

What is a Merchant Category Code (MCC)?+

A Merchant Category Code is a four-digit number that Visa, Mastercard, and the other card networks assign to a business based on what it sells. It classifies your business type — for example, 5812 is eating places and restaurants, 5411 is grocery stores and supermarkets. Every card transaction carries the merchant's MCC.

How do I find my business's MCC?+

Your MCC is set by your payment processor when your account is boarded, based on how your business is classified. It usually appears on your monthly merchant statement. If you're not sure what yours is, ask your processor — or upload a statement and we'll point it out along with everything else you're paying.

Does my MCC affect my processing rate?+

Yes. Interchange rates and some card-network fees vary by MCC, and your MCC drives risk classification and which programs apply (certain reward categories, debit routing, and surcharge eligibility). A business coded under the wrong MCC can quietly overpay — one of the things we check when we review a statement.

Can my MCC be changed?+

It can, when the assigned code doesn't accurately reflect your business. Your processor can request a reclassification with the card networks. Getting it right matters for both cost and compliance, so it's worth confirming yours is correct.

Not sure your MCC is doing you any favors?

Upload your last statement — we'll confirm your category and show exactly what you'd save.

Upload my statement → Call (888) 314-0104