MCC 4829
Money Orders – Wire Transfer
What is MCC 4829?
4829 is the Merchant Category Code for Money Orders – Wire Transfer. It sits within utility services — electric, gas, water and sanitary providers. Card networks — Visa, Mastercard, Discover and American Express — assign a four-digit MCC like this one to every business based on what it primarily sells, and it travels with each card transaction the business runs.
Who's assigned MCC 4829?
Businesses classified as Money Orders – Wire Transfer are typically assigned MCC 4829 when their merchant account is boarded. Your payment processor sets the code based on how your business is described and what it sells — so a business whose primary activity matches this category will usually carry 4829.
How MCC 4829 affects your processing
Your MCC influences your interchange rates, how the card networks classify your risk, and which programs apply to you — reward categories, debit routing, and surcharge or cash-discount eligibility. MCC 4829 is one of the codes acquirers commonly treat as higher-risk, which can mean stricter underwriting, potential reserves, or higher rates. That makes an accurate code — and a fair, transparent markup — matter even more here. (Your processor and sponsor bank set your actual classification.)
Is 4829 the right code for your business?
If the MCC on your statement doesn't match what you actually sell, it can affect your costs and your eligibility for certain programs. Upload your last statement and we'll confirm your category, check your effective rate against it, and show you — line by line — exactly what you'd save.
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