visa-merchant-data-standards-manual.pdf

Visa Merchant Data Standards Manual

Visa Supplemental Requirements

APRIL 2024

Note: This document is a supplement of the Visa Core Rules and Visa Product and Service Rules. In

the event of any conflict between any content in this document, any document referenced

herein, any exhibit to this document, or any communications concerning this document, and

any content in the Visa Core Rules and Visa Product and Service Rules, the Visa Core Rules and

Visa Product and Service Rules shall govern and control.

Merchant Data Standards Manual Summary of Changes

Visa Merchant Data Standards Manual –

Summary of Changes for this Edition

This is a global document and should be used by members in all Visa Regions.

In this edition, details have been added to include the following new MCCs created:

MCC 3168 – Hainan Airlines

MCC 5723 – Guns and Ammunition Shops (effective July 1, 2024)

The following amendments were also incorporated to facilitate easier merchant designation and classification:

MCC 4829 (Money Transfer) – MCC description has been updated to include “Bill Payments merchants (who are

not eligible and not registered in the CBPS Program) should be assigned with this MCC.”

MCC 5085 (Industrial Supplies (Not Elsewhere Classified) – MCC description has been updated to include

specific examples

MCC 5122 (Drugs, Drug Proprietaries, and Druggist Sundries) – MCC description and services included in this

MCC have been amended and refined per the updated Visa High Integrity Risk MCCs

MCC 5169 (Chemicals and Allied Products (Not Elsewhere Classified)) - MCC description has been updated

to include specific examples

MCC 5399 (Miscellaneous General Merchandise) – Toiletries now qualifies as a merchandise under this MCC

MCC 5912 (Drug Stores and Pharmacies) - MCC description and services included in this MCC have been

amended and refined per the updated Visa High Integrity Risk MCCs

MCC 5967 (Direct Marketing – Inbound Teleservices Merchant) – Services included with this MCC has been

updated to include “Adult content and services including, but not limited to, website subscriptions, video streaming

and audio-text”

MCC 7523 (Parking Lots, Parking Meters and Garages) – the word ‘automobiles’ has been replaced with ‘all

modes of transportation’ to read “Merchants classified with this MCC provide temporary parking services for all

modes of transportation, usually on an hourly, daily, or monthly contract or fee basis”

MCC 7399 (Business Services (Not Elsewhere Classified) – “Cosmetic Distributors” and “Perfume Distributors”

have been included in the list of businesses applicable under this MCC

Merchant Data Standards Manual    Table of Contents 
 
Table of Contents   
 
Introduction    ............................................................................................................................................. 1 
Section 1: Merchant Data Requirements ................................................................................................. 2 
Determining a Merchant Name ................................................................................................................. 3 
Determining a Merchant Location ............................................................................................................. 9 
Determining Merchant Category Codes .................................................................................................. 16 
General Requirements................................................................................................................... 16 
Mandatory Multiple MCCs ............................................................................................................. 18 
Section 2: Merchant Category Code Listing .......................................................................................... 22 
Section 3: New MCC or MCC Change Requests ................................................................................. 109 
 
 
 

Merchant Data Standards Manual Introduction

April 2024 VISA PUBLIC

Introduction

The Visa Merchant Data Standards Manual contains requirements for Merchant/payment

facilitator/marketplace classification, location, and various data elements, including Merchant

location, Merchant Category Codes (MCC), and other VisaNet data formats.

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Section 1: Merchant Data Requirements

This section contains requirements for assigning and formatting the following data elements:

• Merchant name

• Merchant location, Payment Facilitator location, Digital Wallet Operator location,

and Marketplace location (including city, state, and country formats)

• Supplementary Merchant information

• Merchant Category Code (MCC)

Merchant data must be the same as, or consistent with, comparable data throughout a

transaction’s life cycle and on the transaction receipt. Visa retains the right to require

corrections to non-compliant or confusing Merchant data.

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Determining a Merchant Name

General

requirements

The Merchant name is the most important factor in cardholder recognition of transactions.

Correct use helps to minimize copy requests resulting from unrecognizable Merchant

names and reduces costs to Acquirers, Issuers and Merchants.

The Merchant name must be the name most prominently displayed by the Merchant and

by which cardholders recognize the Merchant (while also reflecting the Merchant’s “Doing

Business As” (DBA) name).

Merchants may sometimes use names that do not cause confusion when viewed at the

Merchant premises but may confuse the cardholder if viewed out of context on a

cardholder statement. Examples of such names would include a parking garage named

John’s Farm (that is no longer the site of a farm) or a restaurant named Ship Chandler.

When the content of the Merchant name is inconsistent with the MCC, the Merchant name

must contain extra information that identifies the type of Merchant to the cardholder. In

the example above, the Merchant descriptor for John’s Farm must be John’s Farm

Parking; the descriptor for Ship Chandler must be Ship Chandler Restaurant.

A Merchant with multiple Merchant outlets may add the city, store number, or other unique

identifier to distinguish the specific Merchant outlet.

Example One:

A fuel station is a franchisee of a large retail chain. Accordingly, the retail chain name,

brand, and colors are prominently displayed on the forecourt and inside the shop. The

name of the franchisee is in the window on an A4 notice for legal reasons. The Merchant

name must be the name of the retail chain, possibly with an added indication of the

location.

Example Two:

An individual owns a taxicab that he leases to other drivers to provide taxi services as

part of a large taxi company chain. The taxicab displays the taxi company name and is

painted in the company’s colors. The driver leasing the taxi has his own acceptance

contract. For legal reasons, that driver’s name is on a plate on the dashboard. The

Merchant name must be the name of the taxi company, possibly with the taxicab number

to differentiate it from other taxis that provide services for the same company. The

Merchant name must not be the name of the taxi driver, nor may it be the name of the

owner of the car.

Example Three:

A magazine offers annual subscriptions through postcards inserted in every issue.

Although the magazine is one of several published by the same company, the publisher

is not mentioned on the postcard. The Merchant name must be the name of the magazine,

as that is the name that was displayed to the cardholder. It may only be the name of the

publishing house if the publisher was clearly shown on the postcard as the Merchant.

Payment

Facilitators and

Marketplaces

A Merchant is an entity that represents itself to the buyer as selling services or goods.

If an entity handles payments on behalf of sellers through an online marketplace that

brings together multiple buyers and sellers it may be classified as a Marketplace.

An entity is a Payment Facilitator if it deposits transactions or receives settlement on

behalf of the Merchant but does not sell goods or services to cardholders and cannot

otherwise be categorized as a Marketplace.

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In determining whether an entity is a Merchant, Payment Facilitator, or Marketplace, Visa

looks at each transaction separately. There are a number of entities that operate as the

Merchant for some transactions and operate in a different capacity for other transactions.

Such entities must process each transaction according to the rules that apply to the type

of transaction.

Franchise:

ABC Inc. owns the franchise for The Ultimate Hamburger. ABC’s name is displayed on a

printed sheet of paper in the office window, per government requirements. Everything

else—including the large sign in corporate colors outside the shop, the menu boards, and

the staff uniform—displays the Ultimate name. ABC’s location is indistinguishable from

locations owned and run by Ultimate and locations owned by other franchisees. Any

disputes are resolved with cardholders by Ultimate’s head office. To cardholders, Ultimate

is representing itself as selling the goods. Ultimate qualifies as the Merchant.

Department Store:

DJS is a department store and leases some areas on its ground floor to perfume

companies that own the perfume they sell. The signage outside the shop is DJS, and the

entire store is in their corporate design and color. A customer can take goods from any

counter and pay for them at any cash register in the store. The customer sees the perfume

brand being sold at a unique counter in the store, but they also see unique counters for

different brands of jeans, which are owned and sold by DJS. Any disputes are resolved

with cardholders by DJS customer service division. For the purpose of the test, DJS is

representing itself to the cardholder as selling all the goods in the store, and DJS qualifies

as the Merchant.

Online Marketplace (1):

Corriedale’s runs an online marketplace specializing in sales to sheep farmers. There are

several hundred sellers represented on the website, some are major Retailers and some

are individual sellers. Corriedale does not purchase or supply the goods. Customers using

the website can search for a specific item or a specific seller. In each case, the names of

the Retailers are clearly displayed along with the price of the goods (which can vary by

Retailer), and ratings assigned by customers. The look and feel of each web page

remains that of Corriedale. It is possible to combine and pay for goods from multiple

Retailers in the same transaction. Corriedale handles the payments for sales and

chargebacks and sets the returns policy, but customer disputes are handled by individual

Retailers.

Corriedale has in place a process for resolving disputes between

cardholders and retailers.

Corriedale is not a Merchant—the Retailers on the site

represent themselves as the sellers of the goods, and not Corriedale. Corriedale must

Online Marketplace (2)

Specialist Parts of Munich (SPoM) is an online marketplace that brings together buyers

and sellers of vintage car and truck parts in a single location. Sellers must arrange their

own payments, and often choose to use a Payment Facilitator with which the marketplace

has a referral agreement. Sellers may choose their own Acquirer or a different Payment

Facilitator.

SPoM does not qualify as a Marketplace, as it does not handle payments on behalf of its

sellers. The Payment Facilitator with which it has a referral agreement is also not a

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Marketplace, as its primary function is to facilitate payments; it does not bring together

buyers and sellers nor fill many of the other marketplace criteria.

Formatting the

Merchant Name

Visa authorization and clearing systems provide 25 spaces in which to describe the

Merchant name and acquirers are required to be able to use all 25 spaces.

Merchant names longer than 25 characters (this includes letters, blank spaces, and all

symbols) will not fit into the Merchant name field and must be abbreviated (but not just

truncated after the 25

character). Information in the Merchant name field must enable

the cardholder to accurately identify the specific Merchant, and the part of the name that

uniquely identifies the Merchant to the cardholder must not be abbreviated. This is shown

in the example below:

Name: NEW YORK HOME HARDWARE DISTRIBUTORS (35 characters)

Possible abbreviations:

Supplementary

Merchant Name

Information for

Specific

Transactions

In general, the Merchant name field must only contain the Merchant name, as set out

above. However, there are a number of specific exceptions to this rule in the table below.

Note: even for the categories set out below, supplementary data is not permitted if it

makes the content of the Merchant name field confusing or counter to other requirements

(such as abbreviation requirements). In some cases, the Merchant name may not be

truncated at all.

The supplemental data must be static and must appear in all transactions. For example,

if a Merchant outlet chooses to include a location descriptor in the Merchant name field,

it must be the same in every transaction. Two exceptions to this rule are airline/US railway

ticket numbers and the words “No Show”, which need only appear in no show

transactions.

If a Merchant with multiple Merchant outlets chooses to include a location descriptor in

the Merchant name field. It must use the same type of information (for example, city

name) for all its outlets. It must not add the city name for some outlets, the store number

for some outlets and no information for others.

Transaction

Supplementary Data

Required/Optional

For the first

recurring

transaction at

the end of a

trial period,

discounted

introductory

offer, or

promotional

period

After the Merchant name, may contain language to indicate that the recurring

transaction is as a result of a subscription that began with a trial period,

discounted introductory offer, promotional period, etc.

For example: in English, this may be any of the following:

• “End Trial”

• “End Offer”

• “End Free Trial”

• “End Trial Period”

• “End Discount”

• Other similar language

Merchants may use other language or transaction-specific details (for example,

universal resource locator (URL) or order number) to help the cardholder identify

that their trial period, discounted introductory offer or promotional period has

ended, and that the regular price now applies for the subscription.

Optional

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For example:

Purchase of

goods or

services at an

airline or US

passenger

railway

(“ancillary

purchase”)

A general description of the type of purchase (beverage, meals, seat upgrade,

lounge access, duty free etc.

Information in the Merchant name field must use the following format:

• Merchant name in the first 11 or 12 positions

• A blank in position 12, if applicable

• A general description of the goods or services beginning position 13

For example:

Optional

Purchase of an

airline ticket

or US

passenger

railway ticket

Must contain all of the following:

• An abbreviated airline (or US railway) name in the first 11 or 12 positions

• A blank in position 12 if applicable

• Airline (or US railway) ticket identifier beginning position 13

For example:

Required

Purchase at an

AFD

Most fuel is sold under large retail brands, and that brand must be the Merchant

name. Since the brand often has multiple locations in a city, the Merchant is likely

to include a place descriptor such as a city name or a location number. The

required Merchant name must not be abbreviated or truncated in order to place

supplemental information into the Merchant name field.

For example:

Required

Purchase of

Goods or

Services

Additional information may be included after the Merchant name and an asterisk

(*) to indicate an order number, reference number, or other information to identify

the transaction.

If the transaction is an installment transaction, installment information (1 of 2, 2 of

2, etc.) must appear after the asterisk.

For vehicle rental and hotel Merchants, the Merchant name must not be truncated

in order to place supplemental information into the Merchant name field.

Optional

Cash

For a manual cash disbursement at a member location, the disbursing member’s

name must appear first, followed by the disbursing location’s branch, office

number, or other unique identifier.

For an automated cash disbursement at a member location, a transaction

descriptor such as “cash” must be used, and at least one of the following:

• Disbursing member name

• Name of the disbursing member’s affiliated domestic, regional, or national

network

• The 3-digit servicing carrier code and a 10-digit transmission control network,

excluding the check digit

• A 3-digit carrier number, 3-digit form number, and 7-digit serial number,

excluding the check digit

Required

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Original Credit

Transactions

As required by the Visa Direct Original Credit Transaction (OCT) Global

Implementation Guide

Required

No-Show

Transactions

May also include the words “NO SHOW” after the Merchant name.

Optional

Payment

Facilitator

A payment facilitator transaction that contains the Payment Facilitator and

sponsored Merchant identifiers may populate the Merchant name field with

either the sponsored Merchant name (alone), or a combination of both the

sponsored Merchant and Payment Facilitator name, using (i) the name of the

Payment Facilitator (or an abbreviation), (ii) followed by an asterisk (*), and

(iii) the sponsored Merchant name (e.g., Payment facilitator name*Sponsored

Merchant name). It should choose the name that is the more recognizable to

the cardholder.

If a Cardholder accesses the website and/or application of a high integrity risk

Merchant or a high integrity risk sponsored Merchant and is then linked or

forwarded to the website and/or application of a high-risk internet Payment

Facilitator for payment, the name of the high-risk internet Payment Facilitator

must appear in the Merchant name field in conjunction with the name of the

high integrity risk sponsored Merchant.

Acquirers must prohibit agents from utilizing dynamic Merchant descriptors for

Gambling Merchants.

Required

Staged Digital

Wallet

For funding transactions, the Merchant name field must contain the name of

the digital wallet Operator.

For back-to-back funding transactions, the Merchant name field must contain

(i) the name of the digital wallet Operator, (ii) followed by an asterisk (*), and

(iii) the Retailer name.

Required

Marketplace

The Marketplace may use the Marketplace name alone. It may choose to

insert the name of the seller into the Merchant name field, using (i) the name

of the Marketplace (or an abbreviation), (ii) followed by an asterisk (*), and (iii)

the Retailer name.

Required

Business

Payment

Solution

Provider

(BPSP)

The BPSP name must appear with the Supplier name. The BPSP name must be

the Merchant name it registered with Visa. The complete name should appear. An

abbreviation may be used for long names, but it must be easily recognizable.

The field must contain (i) the name of the BPSP (ii) followed by an asterisk (*) and

(iii) the Supplier name, or an abbreviation, (e.g. BPSP name*Supplier name). An

Acquirer must ensure that the BPSP or Supplier name remains consistent for all

transactions.

Required

Consumer Bill

Payment

Servicer

(CBPS)

The CBPS name must appear with the biller name. The CBPS name must be the

Merchant name it registered with Visa. The complete name should appear. An

abbreviation may be used for long names, but it must be easily recognizable.

The field must contain (i) the name of the CBPS (ii) followed by an asterisk (*) and

(iii) the biller name, or an abbreviation, (e.g. CBPS name*biller name). An acquirer

must ensure that the CBPS or biller name remains consistent for all transactions.

Required

Service Fee,

US Region

Must contain the words "Service Fee" after the Merchant name.

Required

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Tipping

(Stand-alone

Transactions)

When tips are given to the person receiving the tip (service staff) as a stand-alone

Visa transaction, Cardholders are unlikely to remember the name of the person to

whom they gave the tip or gratuity. The Merchant name field therefore must

include something the Cardholder recognizes such as the establishment where

the person receiving the tip works. The Merchant name field must also contain the

word “Tip". The name of the person receiving the tip is not required.

Note: These requirements only apply to tips paid directly to the tipped employee in

a stand-alone transaction where the tip represents the entire transaction amount.

Example 1: A tip is paid by a Visa cardholder using their Visa card to Alex, who

provided valet parking service to the cardholder at a golf club named “Famous

Golf Club.” The transaction is processed by a tipping solution provider named

“NewTip” that does not act as, or work with, any payment facilitator. A compliant

merchant name field would be “Tip Famous Golf Club”.

Example 2: A tip is paid by a Visa cardholder using their Visa card to Alex, who

provided valet parking service to the cardholder at a golf club named “Famous

Golf Club.” The transaction is processed by a tipping solution provider named

“NewPF,” which acts as a payment facilitator. A compliant merchant name field

would be “NewPF* Tip Famous Golf Club”.

Example 3: A tip is paid by a Visa cardholder using their Visa card to a band

named “BestBand” that plays in several different places. The transaction is

processed by a tipping solution provider named “NewTip,” which acts as a

payment facilitator. A compliant merchant name field would be “NewTip*

BestBand”.

Note: The requirement to use the word “tip” in the merchant name field is met by

the tipping solution provider’s name.

Example 4: A tip is paid by a Visa cardholder using their staged digital wallet

named “NewWallet,” funded by a Visa card, to a band named “BestBand” that

plays in several different places. The transaction is processed by a tipping

solution provider named “NewTip,” which does not act as, or work with, any

payment facilitator. A compliant merchant name field would be “NewWallet* Tip

BestBand”.

Required

Wire Transfer

Money Order

Transactions,

US Region

Must contain:

• The name of the wire transfer operator used to identify itself to its

customers.

• An asterisk (*)

• The Merchant location at which the money order is issued in the

remaining positions

Required

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Determining a Merchant Location

An Acquirer is responsible for assigning the correct location of each Merchant outlet.

The same location (country) must be disclosed to the cardholder at the time of the

transaction (via the website for electronic commerce Merchants, verbally for telephone

orders, or on the mail order form); used throughout the transaction life cycle (including

but not limited to in the authorization request(s), clearing record, credit transaction, and

chargeback record(s)); and be accurately reflected in the VisaNet record and in fulfilling

any Merchant reporting requirements.

Card-Present

Transactions

For card-present transactions at a Merchant with a fixed location, the Acquirer must

assign the location of the Merchant outlet as the location where the transaction took

place.

Some Merchants do not operate from a fixed location. For an in-transit transaction,

particularly a plane or a ship, the place where the transaction took place is not always

clear. Accordingly, the rules specify a choice of places that the Merchant may use as the

Merchant location for the purposes of a Visa transaction.

For other Merchants that do not operate from a fixed location (such as a Merchant that

travels between different locations), the location must be either the location where the

transaction takes place, or the Merchant’s principal place of business (the fixed location

where a Merchant’s executive officers direct, control, and coordinate the entity’s

activities).

Only the type of Merchant outlet, and not the acceptance device/terminal type, is relevant

in determining whether a Merchant is or is not in a fixed location. For example, an

electronics Merchant may use mPOS devices inside its store. The store is a fixed

location, so the Merchant location must be the address of that store.

Card-Absent

Transactions

The location of a card-absent transaction considers additional factors. The cardholder is

not present at the Merchant outlet when the transaction takes place, and the activities

needed to complete the transaction may occur in different locations, perhaps in different

countries.

A card-absent Merchant must disclose the location of the Merchant outlet (and,

therefore, of the transaction) to the cardholder at the time of the transaction. An e-

commerce Merchant must prominently display the Merchant outlet country to the

cardholder on the same screen as the check-out screen or on a page immediately prior

to the check-out screen. It must not be contained only via a hyperlink.

A Merchant must use its principal place of business as the Merchant outlet location for

card-absent transactions – that is the fixed location where the Merchant’s executive

officers direct, control, and coordinate the entity’s strategy, operations, and activities). A

Merchant may have only one principal place of business for it and its group subsidiaries.

In the case of a corporate group, the Merchant location is determined at the corporate

group level (i.e., as a single entity). For example, this means that a multinational

Merchant must use its principal place of business as the Merchant location and may only

use the country of a subsidiary if that country qualifies as an additional Merchant

location.

Under certain conditions a Merchant may also use other countries as Merchant outlets

in addition to the principal place of business:

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• For travel/lodging Merchants, where a travel agent does not conduct the

transaction, the Merchant location may be any of the following countries:

– For airlines, passenger railways, cruise lines, and other travel Merchants, the

country from which the first leg of travel originates.

– For lodging Merchants, the country in which the stay occurs.

– For car/vehicle rental Merchants, the country in which the vehicle is rented

– For taxi/ride services, the country in which the journey originates

• For the purchase of travel where a travel agent conducts the transaction, the

location of the travel agent determines the Merchant outlet country, regardless of

whether the Merchant is the travel agent or the travel Merchant. The rules for other

card-absent transactions in the next bullet must be used to determine the location

of the travel agent.

• For other card-absent transactions, the Merchant outlet location may also be the

country where the Merchant conducts the business activity directly related to the

provision of the purchased goods or services to the cardholder. To assign an

additional country to a Merchant in this situation, the acquirer must ensure that the

Merchant meets all of the following criteria:

– The Merchant has a permanent location where the Merchant conducts

business activities and where those accountable for the sale or distribution of

the goods or services purchased in the specific transaction decide how

products are sold or distributed. The following are not, in themselves, sufficient

to satisfy these criteria:

1. A post office box, a mail-forwarding address, the address of the Merchant’s

law firm, agent, or vendor, or an email address

2. The location of a payments function, customer service function, servers or

URL, or the presence of a director or investor

– The Merchant assesses sales taxes on the transaction activity. Such taxes

must be assessed on the total amount of the sale of the goods or services.

(“Sales tax” is a generic term for a range of taxes levied on the sale, and

includes sales tax, good and service tax (GST), and value-added tax (VAT).

This condition does not apply when no sales taxes are assessable on the sale

according to local law.

– The location is the legal jurisdiction of the contract that governs the sale of the

goods or services (the transaction)

For clarity, if a card-absent Merchant (except in the case of direct sales by a

travel/lodging Merchant) qualifies for one or more additional Merchant outlet

locations, it may assign an additional location for a transaction only as the

location where the underlying business activity occurs for that specific

transaction.

• Acquirers of digital goods Merchants that qualify for MCCs 5815, 5816, 5817, or

5818 may be granted additional locations after submitting proof of additional

relevant business activity to Visa (including, but not limited to, the location of

servers).

• Within the European Economic Area (EEA), a Merchant may satisfy the criteria for

establishing a card-absent Merchant outlet location if all the relevant business

activity occurs within the EEA. That is, the activity must all occur within EEA

countries, but does not need to occur in a single EEA country. When the qualifying

business activity is spread across multiple EEA countries, the acquirer may assign

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any of those countries as the additional Merchant outlet location. On the other hand,

an EEA country may not be used as a card-absent Merchant outlet location if no

business activity occurs there, or if there is business activity that is not sufficient to

satisfy any of the Visa criteria. For example, an EEA country may be the Merchant

location if there are permanent premises at which employees make decisions on

what goods are sold and the Merchant pays sales taxes on those goods, even

though the jurisdiction for the contract of sale is another EEA country. On the other

hand, if a country just has a post box, or it is the location of only payment

processing, it may not be used, as these are insufficient to fulfil any criterion.

Payment

Facilitators

A payment facilitator location must be the country of its principal place of business and

may be an additional country or countries if all activities specified in the Visa rules occur

in each country.

However, within the Europe Region, the relevant business activity required to establish

a payment facilitator location does not need to occur in a single country. If the required

activity is spread across multiple Europe Region countries, the Acquirer may assign any

of those countries as an additional payment facilitator location. For clarity, all the

activities listed in the Visa rules must occur within the Europe Region, and the Acquirer

may assign as the payment facilitator location any (or any combination) of the countries

in which the required activity occurs. A Europe Region country does not qualify as a

payment facilitator location if no relevant business activity occurs there or if the payment

facilitator does not have a business license there.

Staged Digital

Wallet Operators

(SDWO)

A staged digital wallet operator location must be the country of its principal place of

business and may be an additional country or countries if all activities specified in the

Visa rules occur in each country.

However, within the Europe Region, the relevant business activity required to establish

an SDWO location does not need to occur in a single country. If the required activity is

spread across multiple Europe Region countries, the acquirer may assign any of those

countries as an additional SDWO location. For clarity, all the activities listed in the Visa

rules must occur within the Europe Region, and the acquirer may assign as the SDWO

location any (or any combination) of the countries in which the required activity occurs.

A Europe Region country does not qualify as an SDWO location if no relevant business

activity occurs there or if the SDWO does not have a business license there.

Marketplaces

The location of a marketplace (as defined in the Visa rules) must be the country of its

principal place of business and may be an additional country or countries if all activities

specified in the Visa rules occur in each country.

Retailers that sell goods or services through a qualifying marketplace may be located in

a different country to the marketplace. When that happens, the location of the

marketplace must be used to process the transaction.

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Other Location-

Requirements

Acquirers are responsible for ensuring their Marketplaces or Merchants / Sponsored

Merchants undergo an adequate due-diligence review to establish the correct Merchant

outlet location.

Visa reserves the right to dispute Marketplace or Merchant locations and make a final

determination based on the criteria specified in the Visa Rules or any other information

available to Visa.

Acquirers must ensure that the Marketplaces or Merchants they sign are legitimately

located in their jurisdiction. Acquirers of card-absent Merchants should look at additional

factors (for which a Marketplace or Merchant would already have needed to demonstrate

to carry out the business activity that enabled the sale) to validate that the Merchant

location is genuine, including:

• Any other country of domicile claimed by the Marketplace or Merchant / sponsored

Merchant

• The country of domicile of the Marketplace or Merchant’s sponsored Merchant’s

Agent or Payment Facilitator

• The country

most connected to the Marketplace’s or Merchant / Sponsored

Merchant’s website, marketing material, and transaction activity with reference to:

– The currency selected to settle transactions

– The language used to explain the terms and conditions.

– The percentage of international transactions

• The country

of the tax authority in which the Marketplace or Merchant assesses

sales taxes.

• The legal jurisdiction of any laws to which the Marketplace or Merchant is subject.

• The fixed address where the Marketplace’s or Merchant’s executive officers direct,

control, and coordinate the entity’s strategy, operations, and activities, or of

operational facilities where the Marketplace’s or Merchant’s core business

processes are managed (for example: product development and management,

research and development, accounting, finance, human resources, information

technology)

• The location of customer support facilities where orders are taken/processed and

inquiries/complaints are processed

Examples

Example 1:

A cardholder makes a purchase on board a ferry traveling between Singapore and

Malaysia. There is no need to determine in which country’s territory the vessel is

travelling at the time of the transaction. Under the Visa requirements, the Merchant

outlet is an in-transit Merchant outlet, and the Merchant may choose the country where

the trip commenced (Singapore), the destination (Malaysia), or the Merchant’s principal

place of business.

Example 2:

A cardholder purchases an air ticket online from the airline website for travel from the

U.S.A. to Japan. The airline is a U.S. airline. In this case, the Merchant outlet location

must be the U.S.A., as it is both the principal place of business for the airline and the

place the journey begins.

Within the European Economic Area, acquirers should ensure that these activities occur within an EEA country

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Example 3:

A cardholder purchases an air ticket online from the airline website for travel from

Japan to the USA. The airline is a Singaporean airline. In this case, the Merchant may

choose the Merchant’s principal place of business (Singapore) or the place the journey

begins (Japan).

Example 4:

A cardholder purchases an air ticket from a Canadian travel agent for a flight between

Australia and South Africa. The airline is an Australian airline, and the Merchant name

in the transaction record is that of the airline. The Merchant location is Canada, as that

is the country of the travel agent.

Example 5:

A Merchant headquartered in the U.S.A. hires drivers in Uzbekistan to carry Visa

cardholders, competing against taxis. Cards are lodged with the Merchant’s app and

payment is made as a card-absent payment. The Merchant outlet location must be the

USA, which is the Merchant’s principal place of business, or Uzbekistan, which is the

location where the ride began.

Example 6:

A Merchant using MCC 5817 or 5818 sells software, downloaded through its website.

The Merchant’s principals work and reside in Manila. Unless Visa approves an

exception, the Merchant must use the Philippines as its Merchant outlet location,

because that is the Merchant’s principal place of business. The same company has a

regional hub in Singapore and a call center in Brazil. Both the Singapore and Brazil

offices assess sales taxes on software sold. The Singapore office also has people who

control the pricing and the product design for sales in Asia, and the jurisdiction for the

customer contract is Singapore. The Merchant may use Singapore as an additional

Merchant location to sell the goods priced and designed there. Unless Visa approves

an exception, Brazil does not qualify as a Merchant location, because the employees

there do not manage the development, pricing, and sale of the goods sold in the

specific transaction.

Example 7:

A Merchant sells shoes online to consumers all over the world. The Merchant’s

executive officers work and reside in the UK. The Merchant must use the UK as the

Merchant location, because it is the Merchant’s principal place of business. The same

Merchant has a regional hub in Brazil for all of its Latin America operations and has a

local management team and call center staff, determines pricing, determines marketing

strategy and conducts marketing campaigns, ships merchandise from a warehouse to

all of Latin America, and assesses sales taxes based on Brazilian law. The Merchant

may claim Brazil as an additional Merchant location because business activity is

occurring in Brazil. Furthermore, because the business activity is occurring in Brazil for

all of its Latin America activity, the Merchant may use Brazil as an additional Merchant

location for all countries in Latin America.

Example 8:

An ecommerce maple syrup Merchant has its principal place of business in Canada. It

has permanent locations in Germany, France, Spain, and the Netherlands. Its France

office manages pricing and decisions on which goods are to be sold in Europe. The

Spain office manages distribution. German law is the law of the contract, and the

company pays VAT in Germany on its European sales. The Netherlands office

processes payments. As the business activity may be spread across multiple EEA

countries, and all the required business activity occurs in the EEA, the Merchant may

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choose to assign its Merchant outlet location to one of the EEA countries in which

relevant business activity occurs. In this case, it may choose France, Spain, or

Germany. Payment processing activity alone is not sufficient as business activity, so

the Merchant may not use the Netherlands. It may not use any other country in the

EEA, as there is no relevant business activity.

Example 9:

An online travel agent has its principal place of business in Australia. Its UK office

makes decisions on pricing for UK transactions. Its office in Germany manages other

aspects of the company’s European sales – deciding strategy and marketing,

managing customer relations, and handling disputes. It pays VAT in Germany.

Australian law governs the contract of sale for transactions in all countries. The only

country that may be used as a Merchant outlet location for card-absent transactions is

Australia, as that is the principal place of business. The EEA may not be assigned as a

Merchant outlet location, because not all of the required activities occur in EEA

countries.

Merchant

City

The Merchant city field reflects the city in which the transaction occurred and, for most

transactions, must reflect the city in which the Merchant outlet is located.

Visa authorization and clearing systems provide 13 characters in which to place the

Merchant city information. Whenever possible, the Merchant city should be completely

spelled out and not abbreviated. A clear and discernible city name is required.

For example, use:

Do not use:

Exceptions

For some transaction types, information other than the city name must or may be

included in the Merchant city field:

• Transactions at a Military Base, Embassy, or Consulate

Must contain the name of the country in which the military base, embassy, or

consulate is located.

• Card-Absent Transactions

Must contain the Merchant’s customer service telephone number, the Merchant’s

universal resource locator (URL) or internet/e-mail address

• For the first recurring transaction at the end of a trial period, discounted

introductory offer, or promotional period, may contain language or transaction-

specific details to help the cardholder identify that their trial period, discounted

introductory offer or promotional period has ended, and that the regular price now

applies for the subscription

• Transit Merchant Transactions (MCCs 4111, 4112 and 4131)

In addition to the Merchant city, may include a telephone number or URL through

which the cardholder may obtain transaction information

• Traveling Merchant Transactions

May contain an appropriate descriptive phrase, such as:

– SEMINAR

– ONBOARD TRAIN (PLANE) (SHIP)

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– HOME SALE

– SERVICE CALL

• Travel Agency Transactions – The Merchant city field may contain the name of the

travel agency.

Merchant State

(US Region)

The Merchant state field must include the US state in which the transaction occurred (and,

for most transactions, the state in which the Merchant outlet is located).

Traveling Merchants:

When the Merchant outlet is in the 50 United States or the District of Columbia but not a

fixed location, include “XX” (for BASE II transactions) or “99” (for Single Message System

transactions) in this field.

Military Bases, Embassies, or Consulates:

When the transaction takes place at a US military base, embassy, or consulate located

outside the 50 United States and the District of Columbia, include “XX” (for BASE II

transactions) or “99” (for Single Message System transactions) in this field.

Merchant Country

The Merchant country field must reflect the country in which the Merchant outlet is located.

The correct Merchant country code must be used.

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Determining Merchant Category Codes

The Merchant Category Code (MCC) is a four-digit number assigned to describe a

Merchant’s primary business based on annual sales volume measured in local currency.

In addition, some MCCs identify a specific Merchant or type of transaction.

Visa and its members use MCC data for a range of purposes, including activity tracking,

reporting, and risk management.

It is an important requirement that Acquirers (and their Agents) assign the correct MCC

to each of their Merchants. Visa retains the right to require corrections to MCC

assignments and use.

Any transactions representing the purchase of Non-Fungible Tokens (NFTs) should use

the MCC appropriate for the type of item purchases or the Merchant’s primary business

as per Visa’s regular MCC assignment rules when permitted.

General

Requirements

The following rules apply to the assignment of MCCs:

1. Select the MCC that most accurately describes the Merchant’s business. The MCC,

in most cases, should reflect the primary type of business in which the Merchant is

engaged. If the Merchant has more than one line of business and may qualify for

more than one MCC, the Merchant must either:

• Use the MCC that describes the business with the highest sales volume

(measured in local currency) to process all Visa sales

• Use different MCCs for each line of business.

2. Use “miscellaneous” MCCs (usually ending in “99”) only if there is no MCC specific

to the Merchant’s business. MCC descriptions are very accurate, and Merchants

must only be assigned a “miscellaneous” MCC when no other MCC applies to its

business.

3. Merchants with multiple Merchant outlets must choose the appropriate MCC for each

individual outlet. Electronic commerce websites are Merchant locations in

themselves. A Merchant generally has only one e-commerce Merchant location per

country, however, acquirers may have multiple websites in the same country if there

are different Merchant names or a check-out processes.

4 If there are different businesses operating on the same Merchant premises, each

business must be assigned its own MCC if any of the following apply:

• It operates under a different Merchant name

• It operates in a distinct area

• It has separate points of sale.

For example, lodging Merchants often operate other types of businesses on the

premises (restaurant, flower shop, gift shop, etc.) with separate business names and

payment acceptance devices. These other businesses must use the MCC that

describes the specific business operation. For example, a flower shop in a hotel

should be classified under MCC 5992 (Florists), whether or not it is affiliated with the

hotel property.

5. When applicable, use the unique Merchant-specific MCCs that have been

designated for major travel and entertainment (T&E) Merchants. If an airline, car

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rental, or lodging Merchant has a Merchant-specific MCC, it must be used for all

transactions related to the Merchant’s core business. For example, an airline with its

own MCC should use that MCC for ticket purchase, baggage fees, upgrade fees,

and purchases made on the aircraft. Airline, car rental, and lodging. Merchants that

do not have their own MCCs must use the “generic” MCC for that Merchant type:

4511 – Airlines, Air Carriers (Not Elsewhere Classified), 7512 – Car Rental Agencies

(Not Elsewhere Classified), and 7011 – Lodging – Hotels, Motels, Resorts, Central

Reservation Services (Not Elsewhere Classified).

6. Direct marketing and wholesale club MCCs describe how the Merchant conducts its

business rather than what the Merchant sells or provides. For example, a direct

marketing Merchant sells through catalogs, brochures, telemarketing, direct

mailings, etc. and conducts card-absent transactions. A direct marketing Merchant

can sell any type of product or service physical or digital to consumers but must use

a direct marketing MCC.

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Mandatory

Multiple MCCs

There are a number of cases where a Merchant must be assigned multiple MCCs.

• Automated Fuel Dispensers

A Merchant that deploys Automated Fuel Dispensers (AFD) must use MCC 5542

(Automated Fuel Dispensers) for AFD transactions. If the Merchant also sells other

goods or services, the Merchant must use the appropriate MCC for those

transactions.

• Cash Disbursements at ATMs

A member that deploys ATMs must use MCC 6011(Financial Institutions,

Automated Cash Disbursements) for ATM cash disbursements. All other

transactions (for example, the sale of stamps) at an ATM must use the appropriate

MCC.

• Manual Cash Disbursements

A member that provides manual (face-to-face) cash disbursements must use MCC

6010 (Financial Institutions, Manual Cash Disbursements) for those transactions.

All other transactions at the same Merchant location must use the appropriate

MCC for those transactions (such as MCC 6012 (Financial Institutions –

Merchandise, Services, and Debt Repayment)).

• Quasi-Cash transactions including Crypto Currency Sellers

A Merchant that sells quasi-cash must use MCC 6051 (Non-Financial Institutions –

Foreign Currency, Liquid and Cryptocurrency Assets (for example: Cryptocurrency),

Money Orders (Not Money Transfer), Account Funding (not Stored Value Load),

Travelers Cheques, and Debt Repayment) or MCC 6012 – Financial Institutions –

Merchandise, Services, and Debt Repayment for those transactions even if selling

quasi-cash is not the Merchant’s primary business. Purchases of cryptocurrency

must use MCC 6012 or 6051, as applicable. They must also contain special

condition indicator 7 and the quasi-cash transaction indicator in the authorization

request and special condition indicator 7 in the clearing record. All other transactions

at the same Merchant location must use the appropriate MCC for those transactions.

Merchant Purchases of NFTs can and often do occur in fiat currency, and as such

do not require the use of the cryptocurrency Special Condition Indicator of 7 unless

the Visa transaction actually represents the purchase of the cryptocurrency that is

immediately used to purchase the NFT.

• Money Transfer

Merchants classified with this MCC allow customers to transfer funds via an

electronic funds transfer / wire transfer / remittance (both card-present and card-

absent locations including on the premises of the Merchant and third-party agents

such as casinos, truck stops, or check-cashing storefronts) or via an original credit

transaction (e.g., via Visa Direct or Person to Person [P2P] payments).

• Different businesses in one location

A Merchant must assign different MCCs to different businesses on the same

premises if all of the following apply:

– There are distinct areas in the location for each business.

– Each has its business name / type clearly shown to customers.

– Each business has its own points of sale.

Examples would include a nightclub and restaurant owned by the same company

in separate, but adjacent areas; a coffee shop inside a supermarket, with its own

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branding and payment system; a restaurant inside a hotel that is in its own

separate area and has its own name, branding, and payment system.

• An electronic commerce site with a link to a different website

A Merchant that links from its own ecommerce website to another website must

use the appropriate MCC for each website.

• Payment Facilitator: A payment facilitator is a third party. Accordingly, it must

evaluate the business of every sponsored Merchant, and assign the MCC most

appropriate to the sponsored Merchant’s business.

• Gambling

In a card-present environment, a Merchant that conducts gambling transactions

must use MCC 7995 (Betting, including Lottery Tickets, Casino Gaming Chips, Off-

Track Betting, Wagers at Race Tracks and games of chance to win prizes of

monetary value) for those transactions. If the Merchant also sells other goods or

services, it must use the appropriate MCC for the other services.

• Card-absent environment: If the Merchant conducts online gambling transactions,

however, it must use MCC 7995 for all transactions, even if gambling is not the

Merchant’s primary business.

• US Merchants: Lottery and gambling transactions that qualify for MCC 7800, 7801

and/or 7802 must use the applicable MCC for all transactions even if gambling is

not the Merchant’s primary business. If the Merchant also sells other goods or

services, it must use the appropriate MCC for the other services.

• Multiple lines of business, one or more of which is considered “high integrity

risk”

A Merchant that has multiple lines of business in the same location must assign a high

integrity risk MCC to the line of business that is considered high integrity risk and another

MCC to other businesses that are not considered high integrity risk. Current high integrity

risk MCCs are:

For all Card-Absent transactions using the following MCCs:

– 5122 (Drugs, Drug Proprietaries, Druggist Sundries)

– 5912 (Drug Stores, Pharmacies)

– 5966 (Direct Marketing – Outbound Telemarketing Merchants

– 5967 (Direct Marketing – Inbound Telemarketing Merchants)

– 5993 (Cigar Stores and Stands)

– 7273 (Dating and Escort Services)

– 7995 (Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting,

Wagers at Race Tracks and games of chance to win prizes of monetary value)

For certain Card-Absent Transactions using the following MCCs:

– 4816 (Computer Network/Information Services), for the sale of access to cyber lockers

or remote digital file-sharing services

- 6211 High Integrity Risk Financial Trading Platforms (card absent)

- 5968 Subscription “Negative Option” Merchants (card absent)

– 5816 (Digital Goods – Games), for Transactions involving skilled game wagering (for

example: daily fantasy sports)

– 6051 and 6012 Crypto Merchants: exchanges, wallet providers or on-ramp providers

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(card absent) with transactions required to use Special Condition Code 7

1 In the AP Region, Canada Region, CEMEA Region, Europe Region, LAC Region: Applies only if the Merchant conducts

transactions other than domestic transactions

Optional Multiple

MCCs

If a Merchant or marketplace sells more than one type of merchandise or has more than

one line of business, it must use the MCC that best describes the business with the

highest sales volume (measured in local currency) to process all Visa sales. The acquirer

and the Merchant may determine that an additional MCC and Merchant or marketplace

identifier is appropriate for each different line of business. A Marketplace that sells

multiple lines of goods may use MCC 5262 (Marketplaces). Visa strongly recommends

that the MCCs assigned to Merchants are reviewed periodically to ensure accuracy in

order to limit potential compliance complaints

Examples of

Multiple MCCs

Example One:

A Merchant sells books, stationery, and newspapers, and also has a music CD

department. Book sales make up the majority of the Merchant’s business, so the correct

MCC is 5942 (Book Stores).

Example Two:

A Merchant operates a restaurant and nightclub. In the restaurant, which is upstairs,

customers are served dinner; the nightclub, which is downstairs, charges a cover and

serves drinks. Each floor has its own business name on the door, and they have separate

places to pay and separate acceptance device. The Merchant must use two different

MCCs: 5812 (Eating Places, Restaurants), and 5813 – (Drinking Places (Alcoholic

Beverages), Bars, Taverns, Cocktail Lounges, Nightclubs, and Discotheques).

Example Three:

A Merchant operates a beauty salon that sells hair products in the front of its store, and

a day spa in the rear of the building. Both businesses use the same DBA name, and

both operate using the same acceptance device near the front door of the shop. Initially,

the salon did the majority of the business, using MCC 7230 (Beauty and Barber Shops).

Recently, the spa has generated more in sales, and the potential for growth is apparent.

For this business, the Merchant now has two choices:

• Change MCC to reflect the change in business and use 7298 (Health and Beauty

Spas) as the only MCC

• Continue to use 7230 (Beauty and Barber Shops) for the salon, and use a

separate acceptance device for the spa, using 7298 (Health and Beauty Spas).

If the spa uses its own name and starts using its own acceptance device, the

Merchant must use both MCCs.

Example Four:

A local county government office allows community members to pay for property taxes

with a Visa card, using MCC 9311 (Tax Payments). The county also owns and operates

a ballpark and accepts registrations from the youth 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

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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.

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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.

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MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

0742

Veterinary Services

Merchants classified with this MCC are licensed

practitioners of veterinary medicine, dentistry, or

surgery. This MCC includes medical practitioners of

pets (e.g., dogs, cats), livestock (e.g., cattle, horses,

sheep, hogs, goats, poultry), and large or exotic

animals.

Animal Doctors, Hospitals

Clinics – Pet

Hospitals – Pet

Pet Clinics

Services – Veterinary

5995 – Pet Shops, Pet Foods and

Supplies Store

0763

Agricultural Co-operatives

Merchants classified with this MCC provide farm

management services or engage in farming

operations. Also included in this MCC are

associations and cooperatives that provide assistance

and services to farmers in farm management. These

services include, but are not limited to financial

assistance, management or complete maintenance of

crops, soil preparation, planting and cultivating, aerial

dusting and spraying, disease and insect control,

weed control, and harvesting crops.

Farm Management

Services

Orchards

Vineyards

0780 – Landscaping and Horticultural

Services

4225 – Public Warehousing and

Storage – Farm Products, Refrigerated

Goods, Household Goods, and Storage

0780

Landscaping and Horticultural Services

Merchants classified with this MCC provide landscape

planning and design services. This MCC also

includes Merchants that offer a variety of lawn and

garden services (e.g., planting, fertilizing, mowing,

mulching, seeding, spraying, sod laying).

Gardening Services

Horticulture Services

Services – Gardening

Services – Horticulture

Services – Landscaping

5193 – Florist Supplies, Nursery

Stock and Flowers

5261 – Nurseries and Lawn and

Garden Supply Stores

1520

General Contractors – Residential and Commercial

Merchants classified with this MCC are general

contractors primarily engaged in construction of

residential and/or commercial buildings. This MCC

includes contractors that perform new construction as

well as remodeling, repair, additions, or alterations.

Building Contractors –

Residential, Commercial

Construction Companies

Contractors – General

Contractors – Residential,

Commercial

1711 – Heating, Plumbing, and Air

Conditioning Contractors

1731 – Electrical Contractors

1740 – Masonry, Stonework, Tile

Setting, Plastering and Insulation

Contractors

1750 – Carpentry Contractors ........

1761 – Roofing, Siding, and Sheet

Metal Work Contractors

1771 –Concrete Work Contractors

1799 – Special Trade Contractors

(Not Elsewhere Classified)

1711

Heating, Plumbing, and Air Conditioning Contractors

Merchants classified with this MCC are contractors

that provide heating, plumbing and air conditioning

services. This MCC includes contractors that perform

air system balancing and testing, drainage system

installation, furnace repair, irrigation system

installation, refrigeration and freezer work, sewer

Air Conditioning

Contractors

Contractors – Air

Conditioning

Contractors – Heating

1520 – General Contractors –

Residential and Commercial

5074 – Plumbing and Heating

Equipment and Supplies

1799 – Special Trade Contractors

(Not Elsewhere Classified)

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MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

hookups and connections, solar heating, sprinkler

system installation and water pump installation and

servicing.

Contractors – Plumbing

Heating Contractors

Plumbing Contractors

1731

Electrical Contractors

Merchants classified with this MCC are contractors

that provide electrical work such as fire alarm

installation, sound equipment installation,

telecommunications equipment installation,

cable/internet installation, and telephone and

telephone equipment installation.

Contractors – Electrical

1520 – General Contractors –

Residential and Commercial

1799 – Special Trade Contractors

(Not Elsewhere Classified)

1740

Masonry, Stonework, Tile Setting, Plastering and Insulation Contractors

Merchants classified with this MCC are contractors

that perform masonry work, stone setting and other

stone work, tile setting, plain and ornamental

plastering, and insulation. This MCC also includes

contractors that perform bricklaying, ceramic and

marble work, mosaic work, acoustical improvements,

and drywall construction.

Contractors – Insulation

Contractors – Masonry

Contractors – Plastering

Contractors – Stonework

Contractors – Tile Setting

Insulation Contractors

Plastering Contractors

Stonework Contractors

Tile Setting Contractors

1520 – General Contractors –

Residential and Commercial

1799 – Special Trade Contractors

(Not Elsewhere Classified)

1750

Carpentry Contractors

Merchants classified with this MCC are contractors

that perform carpentry work. This MCC includes

contractors that do cabinet work at the construction

site, framing, trim and finish work and window and

door installation.

Contractors – Carpentry

1520 – General Contractors –

Residential and Commercial

1799 – Special Trade Contractors

(Not Elsewhere Classified)

1761

Roofing, Siding, and Sheet Metal Work Contractors

Merchants classified with this MCC are contractors

that install roofing and/or siding and do sheet metal

work. This MCC includes contractors that perform

architectural sheet metal work, ceilings and skylight

installation, duct and gutter installation, and roof

spraying, painting or coating.

Contractors – Roofing

Contractors – Sheet

Metal Work

Contractors – Siding

Sheet Metal Work

Contractors

Siding Contractors

1520 – General Contractors –

Residential and Commercial

1799 – Special Trade Contractors

(Not Elsewhere Classified)

1771

Concrete Work Contractors

Merchants classified with this MCC are contractors

that perform concrete, cement or asphalt work. This

MCC includes contractors that construct private

driveways and walks of all materials. Also included in

this category are contractors that pour concrete for

foundations and perform grouting work and concrete

patio and sidewalk construction.

Asphalt Contractors

Cement Contractors

Contractors – Concrete

Work

1520 – General Contractors –

Residential and Commercial

1799 – Special Trade Contractors

(Not Elsewhere Classified)

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MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

1799

Special Trade Contractors (Not Elsewhere Classified)

Merchants classified with this MCC are special trade

contractors that perform construction work not

covered with a more specific MCC. This MCC

includes contractors that perform jobs such as awning

installation, bathtub refinishing, fence construction,

fire escape installation, house moving, home window

replacement, garage door installation, ornamental

metal work, swimming pool construction, glasswork,

well drilling, wallpaper services, and waterproofing.

Contractors – Decorating

Contractors – Demolition

Services

Contractors – Glasswork

Contractors – Painting,

Home and Building

Contractors – Paper

Hanging

Contractors – Special

Trade Contractors

Contractors – Welding

Contractors – Well

Drilling

Decorating Contractors

Decorators – Interior

Demolition Services

Garage Door Installation

Glasswork Contractors

Interior Decorators

Window Replacement

Miscellaneous Special

Contractors

Painting Contractors –

Home, Building

Paper Hanging

Contractors

Services – Demolition

Wallpaper Hangers

Welding Contractors

Well Drilling Contractors

1520 – General Contractors –

Residential and Commercial

2741

Miscellaneous Publishing and Printing

Merchants classified with this MCC engage in

business-to-business or wholesale printing, publishing

and/or bookbinding activity. This includes Merchants

that print or publish maps and atlases, business

newsletters, directories, sheet music, paper patterns,

technical manuals and papers, telephone directories

and yearbooks.

Bookbinding Services

Printing Services

Publishing Services

Services – Bookbinding

Services – Publishing,

Printing

5192 – Books, Periodicals and

Newspapers

5942

–

Book Stores

7338

–

Quick Copy, Reproduction,

and Blueprinting Services

2791

Typesetting, Plate Making and Related Services

Merchants classified with this MCC perform business-

to-business or wholesale typesetting for the printing

trade and those that make plates for printing

purposes. These Merchants are involved in

advertisement typesetting, phototypesetting,

computer-controlled typesetting, and color

separations. This MCC also includes Merchants that

make positives and negatives from which offset

Plate Making Services

Services – Plate Making

Services – Typesetting

2741

–

Miscellaneous Publishing

and Printing

7338

–

Quick Copy, Reproduction,

and Blueprinting Services

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

lithographic plates are made. These establishments

do not print from the plates they make but prepare

them only for use by other Merchants. This MCC also

includes Merchants that provide engraving or

embossing services for printing purposes, such as

engraving on wood, rubber, copper, or steel, or

photoengraving.

2842

Specialty Cleaning, Polishing and Sanitation Preparations

Merchants classified with this MCC engage in the

business-to-business or wholesale manufacture of

polishes for wood, metal, and other materials as well

as cleaning solutions, industrial and household

disinfectants, and other sanitation preparations. Also

included in this MCC are Merchants that sell non-

personal deodorants, waxes and dressings for

fabricated leather and other materials, wax removers,

dry cleaning fluid and chemicals, rust and stain

removers, wallpaper cleaners, and window cleaning

solutions.

Cleaning Preparations

Materials – Cleaning,

Polishing, Sanitation

Polishing Preparations

Sanitation Preparations

5085 – Industrial Supplies

(Not Elsewhere Classified)

5169 – Chemicals and Allied Products

(Not Elsewhere Classified)

Airlines and Air Carriers

MCC

Merchant Name

Required Name in Authorization Request/Clearing Record

3000

UNITED AIRLINES

UNITED AIR

3001

AMERICAN AIRLINES

AMERICAN AIR

3002

PAN AMERICAN

PAN AM AIR

3003

EUROFLY AIRLINES

EUROFLY AIR

3004

DRAGON AIRLINES

DRAGONAIR

3005

BRITISH AIRWAYS

BRITISH AWYS

3006

JAPAN AIRLINES

JAL AIRLINE

3007

AIR FRANCE

3008

LUFTHANSA

3009

AIR CANADA

3010

KLM (ROYAL DUTCH AIRLINES)

KLM AIRLINE

3011

AEROFLOT

3012

QANTAS

QANTAS AIR

3013

ITA AIRWAYS (FORMERLY ALITALIA)

3014

SAUDI ARABIAN AIRLINES

SAUDIA AIR

3015

SWISS INTERNATIONAL AIRLINES

SWISSINTAIR

3016

SAS

3017

SOUTH AFRICAN AIRWAYS

SAA AIRWAYS

3018

VARIG (BRAZIL)

VARIG

3019

EASTERN AIRLINES

EASTERN AIR

3020

AIR-INDIA

3021

AIR ALGERIE

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

3022

PHILIPPINE AIRLINES

PAL AIR

3023

MEXICANA

3024

PAKISTAN INTERNATIONAL

PAKISTAN AIR

3025

AIR NEW ZEALAND

AIR NZ

3026

EMIRATES AIRLINES

EMIRATES

3027

UTA/INTERAIR

UTA AIRLINE

3028

AIR MALTA

3029

SN BRUSSELS AIRLINES

SNBRSSLSAIR

3030

AEROLINEAS ARGENTINAS

AERO ARGENT

3031

OLYMPIC AIRWAYS

OLYMPIC AIR

3032

EL AL

3033

ANSETT AIRLINES

ANSETT AIR

3034

ETIHAD AIRWAYS

ETIHADAIR

3035

TAP (PORTUGAL)

TAP AIR

3036

VASP (BRAZIL)

VASP AIR

3037

EGYPTAIR

3038

KUWAIT AIRWAYS

KUWAIT AIR

3039

AVIANCA

3040

GULF AIR (BAHRAIN)

GULF AIR

3041

BALKAN-BULGARIAN AIRLINES

BALKAN AIR

3042

FINNAIR

3043

AER LINGUS

3044

AIR LANKA

3045

NIGERIA AIRWAYS

NIGERIA AIR

3046

CRUZEIRO DO SUL (BRAZIL)

CRUZEIRO AIR

3047

TURKISH AIRLINES

3048

ROYAL AIR MAROC

AIR MAROC

3049

TUNIS AIR

3050

ICELANDAIR

3051

AUSTRIAN AIRLINES

AUSTRIAN AIR

3052

LAN AIRLINES

LAN AIR

3053

AVIACO (SPAIN)

AVIACO AIR

3054

LADECO (CHILE)

LADECO AIR

3055

LAB (BOLIVIA)

LAB AIR

3056

JET AIRWAYS

JET AIR

3057

VIRGIN AMERICA

VIR AMER

3058

DELTA

DELTA AIR

3059

DBA AIRLINES

DBA AIR

3060

NORTHWEST

NWA AIR

3061

CONTINENTAL

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

3062

HAPAG-LLOYD EXPRESS AIRLINES

HLX AIR

3063

US AIRWAYS

USAIRWAYS

3064

ADRIA AIRWAYS

ADRIA AIR

3065

AIRINTER

3066

SOUTHWEST

SOUTHWESTAIR

3067

VANGUARD AIRLINES

VANGUARD AIR

3068

AIR ASTANA

3069

SUN COUNTRY AIRLINES

SUNCNTRYAIR

3070

FLYDUBAI

3071

AIR BRITISH COLUMBIA

AIR BC

3072

CEBU PACIFIC AIRLINES

CEBU PAC

3075

SINGAPORE AIRLINES

SINGAPOREAIR

3076

AEROMEXICO

3077

THAI AIRWAYS

3078

CHINA AIRLINES

CHINA AIR

3079

JETSTAR AIRWAYS

JETSTAR AIR

3080

SWOOP INC

FLYSWOOP

3081

XIAMEN AIRLINES

XIAMEN AIR

3082

KOREAN AIRLINES

KOREAN AIR

3083

AIR AFRIQUE

3084

EVA AIRWAYS

EVA AIR

3085

MIDWEST EXPRESS AIRLINES

MIDWEST EXP

3086

CARNIVAL AIRLINES

CARNIVAL AIR

3087

METRO AIRLINES

METRO AIR

3088

CROATIA AIRLINES

CROATIA AIR

3089

TRANSAERO

3090

UNI AIRWAYS CORPORATION

UNIAIR

3094

ZAMBIA AIRWAYS

ZAMBIA AIR

3096

AIR ZIMBABWE

3097

SPANAIR

3098

ASIANA AIRLINES

ASIANA AIR

3099

CATHAY PACIFIC

CATHAYPACAIR

3100

MALAYSIAN AIRLINE SYSTEM

MALAY AIR

3102

IBERIA

IBERIA AIR

3103

GARUDA (INDONESIA)

GARUDA AIR

3106

BRAATHENS S.A.F.E. (NORWAY)

BRAATHENS

3110

WINGS AIRWAYS

WINGS AIR

3111

BRITISH MIDLAND

BRMIDLANDAIR

3112

WINDWARD ISLAND

WINDWRDISAIR

3115

TOWER AIR

TOWERAIR

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

3117

VIASA

3118

VALLEY AIRLINES

VALLEY AIR

3125

TAN

TAN AIR

3126

TALAIR

3127

TACA INTERNATIONAL

TACAINTL AIR

3129

SURINAM AIRWAYS

SURINAM AIR

3130

SUNWORLD INTERNATIONAL

SUNWORLD AIR

3131

VLM AIRLINES

VLM AIR

3132

FRONTIER AIRLINES

FRONTIER AIR

3133

SUNBELT AIRLINES

SUNBELT AIR

3135

SUDAN AIRWAYS

SUDAN AIR

3136

QATAR AIRWAYS

QATAR AIR

3137

SINGLETON

SINGLETONAIR

3138

SIMMONS AIRLINES

SIMMONS AIR

3143

SCENIC AIRLINES

SCENIC AIR

3144

VIRGIN ATLANTIC

VIRGINATLAIR

3145

SAN JUAN AIRLINES

SAN JUAN AIR

3146

LUXAIR

3148

AIR LITTORAL SA

AIRLITTORAL

3151

AIR ZAIRE

3154

PRINCEVILLE

PRINCVLLEAIR

3156

GO FLY LTD

GOFLY

3159

PBA

PBA AIRLINE

3161

ALL NIPPON AIRWAYS

ANA AIR

3164

NORONTAIR

3165

NEW YORK HELICOPTER

NY HELI

3167

AEROCONTINENTE

AEROCONTINEN

3168

HAINAN AIRLINES

HAINANAIR

3170

MOUNT COOK

MT COOK AIR

3171

CANADIAN AIRLINES INTERNATIONAL

CANADIAN AIR

3172

NATIONAIR

3174

JETBLUE AIRWAYS

JETBLUE

3175

MIDDLE EAST AIR

MIDEAST AIR

3176

METROFLIGHT AIRLINES

METROFLT AIR

3177

AIRTRAN AIRWAYS

AIRTRANAIR

3178

MESA AIR

3180

WESTJET AIRLINES

WESTJETAIR

3181

MALEV

MALEV AIR

3182

LOT (POLAND)

LOT AIR

3183

OMAN AVIATION SERVICES

OMANAIR

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

3184

LIAT

LIAT AIRLINE

3185

LAV (VENEZUELA)

LAV AIR

3186

LAP (PARAGUAY)

LAP AIR

3187

LACSA (COSTA RICA)

LACSA AIR

3188

VIRGIN EXPRESS

VIRGINEXPAIR

3190

JUGOSLAV AIR

3191

ISLAND AIRLINES

ISLAND AIR

3193

INDIAN AIRLINES

INDIAN AIR

3196

HAWAIIAN AIR

3197

HAVASU AIRLINES

HAVASU AIR

3200

GUYANA AIRWAYS

GUYANA AIR

3203

GOLDEN PACIFIC AIR

GOLDPAC AIR

3204

FREEDOM AIR

3206

CHINA EASTERN AIRLINES

CHINEASTAIR

3211

NORWEGIAN AIR SHUTTLE

NORWEGIANAIR

3212

DOMINICANA

DOMINICA AIR

3213

BRAATHENS REGIONAL AIRLINES

BRAATHENS REGIONAL AIR

3215

DAN AIR SERVICES

DANAIRSERV

3216

CUMBERLAND AIRLINES

CUMBERLNDAIR

3217

CSA

CSA AIRLINE

3218

CROWN AIR

3219

COPA

COPA AIR

3220

COMPANIA FAUCETT

COMP FAU AIR

3221

TRANSPORTES AEROS MILITARES

ECUATORIANOS

TAME AIRLINE

3222

COMMAND AIRWAYS

COMMAND AIR

3223

COMAIR

3226

SKYWAYS AIR

3228

CAYMAN AIRWAYS

CAYMANAIR

3229

SAETA – SOCIAEDAD ECUATORIANOS DE

TRANSPORTES AEREOS

SAETA AIR

3231

SAHSA – SERVICIO AEREO DE HONDURAS

SAHSA AIR

3233

CAPITOL AIR

3234

CARIBBEAN AIRLINES

CARIBBEANAIR

3235

BROCKWAY AIR

3236

AIR ARABIA AIRLINE

AIR ARABIA

3238

BEMIDJI AIRLINES

BEMIDJI AIR

3239

BAR HARBOR AIRLINES

BARHARBORAIR

3240

BAHAMASAIR

3241

AVIATECA (GUATEMALA)

AVIATECA AIR

3242

AVENSA

AVENSA AIR

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

3243

AUSTRIAN AIR SERVICE

AUST AIRSERV

3245

EASYJET AIRLINES

EASYJET AIR

3246

RYANAIR

3247

GOL AIRLINES

GOL AIR

3248

TAM AIRLINES

TAM AIR

3251

ALOHA AIRLINES

ALOHA AIR

3252

ALM

ALM AIRLINE

3254

US AIR SHUTTLE

USAIRSHUTL

3256

ALASKA AIRLINES

ALASKA AIR

3259

AMERICAN TRANS AIR

ATA AIR

3260

SPIRIT AIRLINES

SPIRIT AIR

3261

AIR CHINA

3262

RENO AIR, INC.

RENO AIR

3263

AERO SERVICO CARABOBO

ASC AIRLINE

3266

AIR SEYCHELLES

AIR SEYCH

3267

AIR PANAMA

3280

AIR JAMAICA

3282

AIR DJIBOUTI

3284

AERO VIRGIN ISLANDS

AERVIRGINIS

3285

AEROPERU

3286

AEROLINEAS NICARAGUENSIS

AERONICARAG

3287

AERO COACH AVIATION

AEROCOACH AV

3292

CYPRUS AIRWAYS

CYPRUS AIR

3293

ECUATORIANA

3294

ETHIOPIAN AIRLINES

ETHIOPIAN AIR

3295

KENYA AIRWAYS

KENYA AIR

3296

AIR BERLIN

3297

TAROM ROMANIAN AIR TRANSPORT

TAROM AIR

3298

AIR MAURITIUS

AIRMAURITIUS

3299

WIDEROE’S FLYVESELSKAP

WIDEROES

3300

AZUL AIR

3301

WIZZ AIR

3302

FLYBE LTD

FLYBEAIR

3303

TIGERAIR

3308

CHINA SOUTHERN AIRLINES

CHINA SOUTHERN

Car Rental Agencies

MCC

Merchant Name

3351

AFFILIATED AUTO RENTAL

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

3352

AMERICAN INTL RENT-A-CAR

3353

BROOKS RENT-A-CAR

3354

ACTION AUTO RENTAL

3355

SIXT CAR RENTAL

3357

HERTZ

3359

PAYLESS CAR RENTAL

3360

SNAPPY CAR RENTAL

3361

AIRWAYS RENT-A-CAR

3362

ALTRA AUTO RENTAL

3364

AGENCY RENT-A-CAR

3366

BUDGET RENT-A-CAR

3368

HOLIDAY RENT-A-CAR

3370

RENT-A-WRECK

3374

ACCENT RENT-A-CAR

3376

AJAX RENT-A-CAR

3380

TRIANGLE RENT-A-CAR

3381

EUROP CAR

3385

TROPICAL RENT-A-CAR

3386

SHOWCASE RENTAL CARS

3387

ALAMO RENT-A-CAR

3388

MERCHANTS RENT-A-CAR

3389

AVIS RENT-A-CAR

3390

DOLLAR RENT-A-CAR

3391

EUROPE BY CAR

3393

NATIONAL CAR RENTAL

3394

KEMWELL GROUP RENT-A-CAR

3395

THRIFTY CAR RENTAL

3396

TILDEN RENT-A-CAR

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

3398

ECONO-CAR RENT-A-CAR

3400

AUTO HOST CAR RENTALS

3405

ENTERPRISE RENT-A-CAR

3409

GENERAL RENT-A-CAR

3412

A-1 RENT-A-CAR

3414

GODFREY NATL RENT-A-CAR

3420

ANSA INTL RENT-A-CAR

3421

ALLSTATE RENT-A-CAR

3423

AVCAR RENT-A-CAR

3425

AUTOMATE RENT-A-CAR

3427

AVON RENT-A-CAR

3428

CAREY RENT-A-CAR

3429

INSURANCE RENT-A-CAR

3430

MAJOR RENT-A-CAR

3431

REPLACEMENT RENT-A-CAR

3432

RESERVE RENT-A-CAR

3433

UGLY DUCKLING RENT-A-CAR

3434

USA RENT-A-CAR

3435

VALUE RENT-A-CAR

3436

AUTOHANSA RENT-A-CAR

3437

CITE RENT-A-CAR

3438

INTERENT RENT-A-CAR

3439

MILLEVILLE RENT-A-CAR

3441

ADVANTAGE RENT-A-CAR

Lodging – Hotels, Motels, Resorts

MCC

Merchant Name

3501

HOLIDAY INNS

3502

BEST WESTERN HOTELS

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

3503

SHERATON

3504

HILTON HOTELS

3505

FORTE HOTELS

3506

GOLDEN TULIP HOTELS

3507

FRIENDSHIP INNS

3508

QUALITY INNS

3509

MARRIOTT

3510

DAYS INNS

3511

ARABELLA HOTELS

3512

INTER-CONTINENTAL HOTELS

3513

WESTIN

3514

AMERISUITES

3515

RODEWAY INNS

3516

LA QUINTA INN AND SUITES

3517

AMERICANA HOTELS

3518

SOL HOTELS

3519

PULLMAN INTERNATIONAL HOTELS

3520

MERIDIEN HOTELS

3521

ROYAL LAHAINA RESORTS

3522

TOKYO HOTEL

3523

PENINSULA HOTEL

3524

WELCOMGROUP HOTELS

3525

DUNFEY HOTELS

3526

PRINCE HOTELS

3527

DOWNTOWNER-PASSPORT HOTEL

3528

RED LION INNS

3529

CP HOTELS

3530

RENAISSANCE HOTELS

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

3531

KAUAI COCONUT BEACH RESORT

3532

ROYAL KONA RESORT

3533

HOTEL IBIS

3534

SOUTHERN PACIFIC HOTELS

3535

HILTON INTERNATIONALS

3536

AMFAC HOTELS

3537

ANA HOTEL

3538

CONCORDE HOTELS

3539

SUMMERFIELD SUITES HOTELS

3540

IBEROTEL HOTELS

3541

HOTEL OKURA

3542

ROYAL HOTELS

3543

FOUR SEASONS HOTELS

3544

CIGA HOTELS

3545

SHANGRI-LA INTERNATIONAL

3546

HOTEL SIERRA

3548

HOTELES MELIA

3549

AUBERGE DES GOVERNEURS

3550

REGAL 8 INNS

3551

MIRAGE HOTEL AND CASINO

3552

COAST HOTELS

3553

PARK INNS INTERNATIONAL

3554

PINEHURST RESORT

3555

TREASURE ISLAND HOTEL AND CASINO

3556

BARTON CREEK RESORT

3557

MANHATTAN EAST SUITE HOTELS

3558

JOLLY HOTELS

3559

CANDLEWOOD SUITES

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

3560

ALADDIN RESORT AND CASINO

3561

GOLDEN NUGGET

3562

COMFORT INNS

3563

JOURNEY’S END MOTELS

3564

SAM’S TOWN HOTEL AND CASINO

3565

RELAX INNS

3566

GARDEN PLACE HOTEL

3567

SOHO GRAND HOTEL

3568

LADBROKE HOTELS

3569

TRIBECA GRAND HOTEL

3570

FORUM HOTELS

3571

GRAND WAILEA RESORT

3572

MIYAKO HOTELS

3573

SANDMAN HOTELS

3574

VENTURE INNS

3575

VAGABOND HOTELS

3576

LA QUINTA RESORT

3577

MANDARIN ORIENTAL HOTEL

3578

FRANKENMUTH BAVARIAN

3579

HOTEL MERCURE

3580

HOTEL DEL CORONADO

3581

DELTA HOTEL

3582

CALIFORNIA HOTEL AND CASINO

3583

RADISSON BLU

3584

PRINCESS HOTELS INTERNATIONAL

3585

HUNGAR HOTELS

3586

SOKOS HOTELS

3587

DORAL HOTELS

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

3588

HELMSLEY HOTELS

3589

DORAL GOLF RESORT

3590

FAIRMONT HOTELS

3591

SONESTA HOTELS

3592

OMNI HOTELS

3593

CUNARD HOTELS

3594

ARIZONA BILTMORE

3595

HOSPITALITY INNS

3596

WYNN LAS VEGAS

3597

RIVERSIDE RESORT HOTEL AND CASINO

3598

REGENT INTERNATIONAL HOTELS

3599

PANNONIA HOTELS

3600

SADDLEBROOK RESORT TAMPA

3601

TRADEWINDS RESORTS

3602

HUDSON HOTEL

3603

NOAH’S HOTELS

3604

HILTON GARDEN INN

3607

FONTAINEBLEAU RESORTS

3608

GAYLORD OPRYLAND

3609

GAYLORD PALMS

3612

MOEVENPICK HOTELS

3613

MICROTEL INNS & SUITES

3614

AMERICINN

3615

TRAVELODGE

3617

AMERICA’S BEST VALUE INN

3618

GREAT WOLF

3619

ALOFT

3620

BINION’S HORSESHOE CLUB

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

3621

EXTENDED STAY

3622

MERLIN HOTELS

3623

DORINT HOTELS

3624

LADY LUCK HOTEL AND CASINO

3625

HOTEL UNIVERSALE

3626

STUDIO PLUS

3627

EXTENDED STAY AMERICA

3628

EXCALIBUR HOTEL AND CASINO

3629

DAN HOTELS

3630

TOKYU HOTELS

3631

SLEEP INN

3632

THE PHOENICIAN

3633

RANK HOTELS

3634

SWISSOTEL

3635

RESO HOTELS

3636

SAROVA HOTELS

3637

RAMADA INNS

3638

HOWARD JOHNSON

3639

MOUNT CHARLOTTE THISTLE

3640

HYATT HOTELS

3641

SOFITEL HOTELS

3642

NOVOTEL HOTELS

3643

STEIGENBERGER HOTELS

3644

ECONO LODGES

3645

QUEENS MOAT HOUSES

3646

SWALLOW HOTELS

3647

HUSA HOTELS

3648

DE VERE HOTELS

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

3649

RADISSON HOTELS

3650

RED ROOF INNS

3651

IMPERIAL LONDON HOTEL

3652

EMBASSY HOTELS

3653

PENTA HOTELS

3654

LOEWS HOTELS

3655

SCANDIC HOTELS

3656

SARA HOTELS

3657

OBEROI HOTELS

3658

NEW OTANI HOTELS

3659

TAJ HOTELS INTERNATIONAL

3660

KNIGHTS INNS

3661

METROPOLE HOTELS

3662

CIRCUS CIRCUS HOTEL AND CASINO

3663

HOTELES EL PRESIDENTE

3664

FLAG INN

3665

HAMPTON INNS

3666

STAKIS HOTELS

3667

LUXOR HOTEL AND CASINO

3668

MARITIM HOTELS

3669

ELDORADO HOTEL AND CASINO

3670

ARCADE HOTELS

3671

ARCTIA HOTELS

3672

CAMPANILE HOTELS

3673

IBUSZ HOTELS

3674

RANTASIPI HOTELS

3675

INTERHOTEL CEDOK

3676

MONTE CARLO HOTEL AND CASINO

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

3677

CLIMAT DE FRANCE HOTELS

3678

CUMULUS HOTELS

3679

SILVER LEGACY HOTEL AND CASINO

3680

HOTEIS OTHAN

3681

ADAMS MARK HOTELS

3682

SAHARA HOTEL AND CASINO

3683

BRADBURY SUITES

3684

BUDGET HOST INNS

3685

BUDGETEL INNS

3686

SUSSE CHALET

3687

CLARION HOTELS

3688

COMPRI HOTELS

3689

CONSORT HOTELS

3690

COURTYARD BY MARRIOTT

3691

DILLON INNS

3692

DOUBLETREE HOTELS

3693

DRURY INNS

3694

ECONOMY INNS OF AMERICA

3695

EMBASSY SUITES

3696

EXEL INNS

3697

FAIRFIELD HOTELS

3698

HARLEY HOTELS

3699

MIDWAY MOTOR LODGE

3700

MOTEL 6

3701

LA MANSION DEL RIO

3702

THE REGISTRY HOTELS

3703

RESIDENCE INNS

3704

ROYCE HOTELS

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

3705

SANDMAN INNS

3706

SHILO INNS

3707

SHONEY’S INNS

3708

VIRGIN RIVER HOTEL AND CASINO

3709

SUPER 8 MOTELS

3710

THE RITZ-CARLTON

3711

FLAG INNS (AUSTRALIA)

3712

BUFFALO BILL’S HOTEL AND CASINO

3713

QUALITY PACIFIC HOTEL

3714

FOUR SEASONS HOTEL (AUSTRALIA)

3715

FAIRFIELD INN

3716

CARLTON HOTELS

3717

CITY LODGE HOTELS

3718

KAROS HOTELS

3719

PROTEA HOTELS

3720

SOUTHERN SUN HOTELS

3721

HILTON CONRAD

3722

WYNDHAM

3723

RICA HOTELS

3724

INTER NOR HOTELS

3725

SEA PINES RESORT

3726

RIO SUITES

3727

BROADMOOR HOTEL

3728

BALLY’S HOTEL AND CASINO

3729

JOHN ASCUAGA’S NUGGET

3730

MGM GRAND HOTEL

3731

HARRAH’S HOTELS AND CASINOS

3732

OPRYLAND HOTEL

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

3734

HARVEY/BRISTOL HOTELS

3735

MASTERS ECONOMY INNS

3736

COLORADO BELLE/EDGEWATER RESORT

3737

RIVIERA HOTEL AND CASINO

3738

TROPICANA RESORT & CASINO

3739

WOODSIDE HOTELS & RESORTS

3740

TOWNEPLACE SUITES

3741

MILLENNIUM HOTELS

3742

CLUB MED

3743

BILTMORE HOTEL & SUITES

3744

CAREFREE RESORTS

3745

ST. REGIS HOTEL

3746

THE ELIOT HOTEL

3747

CLUBCORP/CLUBRESORTS

3748

WELLESLEY INNS

3749

THE BEVERLY HILLS HOTEL

3750

CROWNE PLAZA HOTELS

3751

HOMEWOOD SUITES

3752

PEABODY HOTELS

3753

GREENBRIAR RESORTS

3754

AMELIA ISLAND PLANTATION

3755

THE HOMESTEAD

3756

TOYOKO INN

3757

CANYON RANCH

3758

KAHALA MANDARIN ORIENTAL HOTEL

3759

THE ORCHID AT MAUNA LANI

3760

HALEKULANI HOTEL/WAIKIKI PARC

3761

PRIMADONNA HOTEL AND CASINO

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

3762

WHISKEY PETE’S HOTEL AND CASINO

3763

CHATEAU ELAN WINERY AND RESORT

3764

BEAU RIVAGE HOTEL AND CASINO

3765

BELLAGIO

3766

FREMONT HOTEL AND CASINO

3767

MAIN STREET STATION HOTEL AND CASINO

3768

SILVER STAR HOTEL AND CASINO

3769

STRATOSPHERE HOTEL AND CASINO

3770

SPRINGHILL SUITES

3771

CAESAR’S HOTEL AND CASINO

3772

NEMACOLIN WOODLANDS

3773

THE VENETIAN RESORT HOTEL CASINO

3774

NEW YORK-NEW YORK HOTEL AND CASINO

3775

SANDS RESORT

3776

NEVELE GRAND RESORT AND COUNTRY CLUB

3777

MANDALAY BAY RESORT

3778

FOUR POINTS HOTELS

3779

W HOTELS

3780

DISNEY RESORTS

3781

PATRICIA GRAND RESORT HOTELS

3782

ROSEN HOTELS AND RESORTS

3783

TOWN AND COUNTRY RESORT & CONVENTION CENTER

3784

FIRST HOSPITALITY HOTELS

3785

OUTRIGGER HOTELS AND RESORTS

3786

OHANA HOTELS OF HAWAII

3787

CARIBE ROYALE RESORTS

3788

ALA MOANA HOTEL

3789

SMUGGLER’S NOTCH RESORT

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

3790

RAFFLES HOTELS

3791

STAYBRIDGE SUITES

3792

CLARIDGE CASINO HOTEL

3793

FLAMINGO HOTELS

3794

GRAND CASINO HOTELS

3795

PARIS LAS VEGAS HOTEL

3796

PEPPERMILL HOTEL CASINO

3797

ATLANTIC CITY HILTON RESORTS

3798

EMBASSY VACATION RESORT

3799

HALE KOA HOTEL

3800

HOMESTEAD SUITES

3801

WILDERNESS HOTEL AND RESORT

3802

THE PALACE HOTEL

3807

ELEMENT

3808

LXR

3811

PREMIER INN

3812

HYATT PLACE

3813

HOTEL INDIGO

3814

THE ROOSEVELT HOTEL NY

3815

NICKELODEON FAMILY SUITES BY HOLIDAY INN

3816

HOME2SUITES

3818

MAINSTAY SUITES

3819

OXFORD SUITES

3820

JUMEIRAH ESSEX HOUSE

3821

CARIBE ROYALE

3822

CROSSLAND

3823

GRAND SIERRA RESORT

3824

ARIA

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

3825

VDARA

3826

AUTOGRAPH

3827

GALT HOUSE

3828

COSMOPOLITAN OF LAS VEGAS

3829

COUNTRY INN BY RADISSON

3830

PARK PLAZA HOTEL

3831

WALDORF

3832

CURIO HOTELS

3833

CANOPY

3834

BAYMONT INN & SUITES

3835

DOLCE HOTELS AND RESORTS

3836

HAWTHORN BY WYNDHAM

3837

HOSHINO RESORTS

3838

KIMPTON HOTELS

3839

KYORITSU HOTELS

4011

Railroads

Merchants classified with this MCC are railroads

engaged in freight transport operations.

Freight – Rail, Train

Transportation

Trains – Freight

Transportation

Transportation – Railroads,

Freight

4112 – Passenger Railways

4214 – Motor Freight Carriers and

Trucking – Local and Long Distance,

Moving and Storage Companies, and

Local Delivery Services

4111

Local and Suburban Commuter Passenger Transportation, Including Ferries

Merchants classified with this MCC provide local and

suburban mass passenger transportation over regular

routes and on regular schedules. Included in this

category is railway commuter transportation. Not

included in this category are taxicabs, limousines, and

bus lines.

Commuter Transportation –

Ferries

Commuter Transportation –

Railways

Ferries

Transportation – Commuter,

Local, Suburban Commuter

Passenger Transportation

Transportation – Commuter,

Railways

Transportation – Ferries

4112 – Passenger Railways

4121 – Taxicabs and Limousines

4131 – Bus Lines

4789 – Transportation Services (Not

Elsewhere Classified)

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

4112

Passenger Railways

Merchants classified with this MCC are railroads that

primarily provide long distance passenger

transportation. This may or may not include overnight

accommodations on the train during long distance

travel.

Railways – Passenger

Trains – Passenger

Transportation –

Passenger Railways

4011 – Railroads

4789 – Transportation Services (Not

Elsewhere Classified)

4119

Ambulance Services

Merchants classified with this MCC provide

emergency vehicle transportation with trained

personnel. These Merchants may or may not provide

emergency medical treatment enroute to a hospital or

medical provider.

Air Ambulance Services

Emergency Vehicle

Services

Services – Air Ambulance

Services – Ambulance

Services – Emergency

Vehicles

Transportation –

Ambulance Services

8099 – Medical Services and Health

Practitioners (Not Elsewhere

Classified)

4789 – Transportation Services (Not

Elsewhere Classified)

4121

Taxicabs and Limousines

Merchants classified with this MCC provide

transportation services by automobile and do not

operate on a regular schedule or established route.

This MCC includes ride-share Merchants.

Cabs, Taxicabs, Limousines

Limousines

Services – Taxicabs,

Limousines

Transportation –

Taxicabs, Limousines

4789 – Transportation Services (Not

Elsewhere Classified)

4111 – Local and Suburban

Commuter Passenger Transport

4131

Bus Lines

Merchants classified with this MCC provide

passenger bus transportation services on a regular

schedule over predetermined routes. Not included are

charter and tour bus operators.

Coach Lines

Transportation –

Bus Lines

4722 – Travel Agencies and Tour

Operators

4789 – Transportation Services

(Not Elsewhere Classified)

4214

Motor Freight Carriers and Trucking – Local and Long Distance, Moving and Storage Companies, and Local Delivery

Services

Merchants classified with this MCC provide local or

long-distance trucking services and may or may not

also provide storage services.

Delivery Services – Local

Freight Carriers,

Trucking and Storage

Local Delivery Service

Long Distance Trucking

Services

Motor Freight Carriers –

Local, Long Distance

Trucking

Moving Companies

Moving, Storage

Companies

Services – Delivery, Local

Services – Freight

Carriers, Trucking and

Storage

4215 – Courier Services – Air and

Ground, and Freight Forwarders.

4225 – Public Warehousing and

Storage – Farm Products,

Refrigerated Goods, Household

Goods, and Storage

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

Services – Trucking, Local

and Long Distance

Storage, Moving

Companies – Local, Long

Distance

Trucking – Local, Long

Distance

4215

Courier Services – Air and Ground, and Freight Forwarders

Merchants classified with this MCC deliver individually

addressed letters, parcels, and packages, but

excludes the Postal Services – Government Only

(MCC 9402).

Air or Ground Courier

Services

Freight Forwarders,

Courier Services

Ground or Air Courier

Services

Services – Courier, Air or

Ground

Services – Freight

Forwarders, Courier

Services

4214 – Motor Freight Carriers and

Trucking – Local and Long

Distance, Moving and Storage

Companies, and Local Delivery

Services

9402 – Postal Services –

Government Only

4225

Public Warehousing and Storage – Farm Products, Refrigerated Goods, Household Goods, and Storage

Merchants classified with this MCC provide storage

and warehousing for farm products, refrigerated

storage for perishable products, and storage for

household goods and furniture.

Warehousing, Storage –

Public Warehousing

4214 – Motor Freight Carriers and

Trucking – Local and Long Distance,

Moving and Storage Companies,

and Local Delivery Services

4411

Steamship and Cruise Lines

Merchants classified with this MCC provide

passenger transportation on the open seas or inland

waters for the purpose of vacation or pleasure. These

Merchants typically offer food, entertainment, and

cabin accommodations included in the fare and

operate pre-defined and advertised routes.

Ships – Cruise Lines

4111 – Local and Suburban

Commuter Passenger

Transportation, Including Ferries

4789 – Transportation Services (Not

Elsewhere Classified)

4457

Boat Rentals and Leasing

Merchants classified with this MCC primarily provide

boat rental and leasing services for fishing boats, non-

crew houseboats, sail boats, power boats, jet skis,

and yachts.

Jet Skis – Rental, Leases

Powerboats – Rental,

Leases

Rentals – Boats

Rentals – Jet Skis

Rentals – Yachts,

Non-Crew

Sailboats – Rentals, Leases

Yacht Rentals – Non-Crew

4468 – Marinas, Marine Service, and

Supplies

7999 – Recreation Services (Not

Elsewhere Classified)

4468

Marinas, Marine Service, and Supplies

Merchants classified with this MCC operate marinas

and may rent boat slips and store boats. Other

services may include boat cleaning, incidental boat

Harbors

Services – Marine, Marina

Supplies – Marinas, Marine

4457 – Boat Rentals and Leasing

7999 – Recreation Services (Not

Elsewhere Classified)

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

repair, and the retail sale of marine supplies.

Merchants located at a marina that sell fuel for

consumer use in boats that do not have a separate

Merchant agreement from the marina are included in

this category.

Service, Supplies

Yacht Harbors

4511

Airlines and Air Carriers (Not Elsewhere Classified)

Merchants classified with this MCC are airlines and

air carriers that do not have their own specific MCC.

3000-3350 – individual airline MCCs

4582

Airports, Flying Fields, and Airport Terminals

Merchants classified with this MCC operate and

maintain airports and flying fields. This includes

Merchants that provide aircraft cleaning and janitorial

services, aircraft servicing and repair, aircraft storage

at airports, and airport hangar rental. Merchants

located within the airport terminal that sell food,

newspapers, and/or gift or souvenir items must be

classified with the appropriate MCC for that business.

Flying Fields

Terminals – Airports

4215 – Courier Services – Air and

Ground, and Freight Forwarders

4511 – Airlines and Air Carriers (Not

Elsewhere Classified)

5812 – Eating Places and

Restaurants

5994 – News Dealers and

Newsstands

5947 – Gift, Card, Novelty, and

Souvenir Shops

4722

Travel Agencies and Tour Operators

Merchants classified with this MCC provide travel

information and booking services. They act as agents

on behalf of travelers in booking and ticketing air,

land, or sea transportation and/or accommodation.

They also arrange and assemble tours for sale through

a travel agent or directly to the consumer. Bus charters

and tour bus operators are included in this MCC.

Charter Buses

Package Tour Operators

Tour Buses

Tour Operators

Travel Packages

Travel Wholesalers

4112 – Passenger Railways

4121 – Taxicabs and Limousines ...

4131 – Bus Lines

4411 -- Steamship and Cruise Lines

4511 – Airlines and Air Carriers (Not

Elsewhere Classified)

4789 – Transportation Services (Not

Elsewhere Classified)

5962 – Direct Marketing – Travel-

Related Arrangement Services

7011 – Lodging – Hotels, Motels,

Resorts, Central Reservation

Services (Not Elsewhere Classified)

7512 – Automobile Rental Agency

4723

Package Tour Operators – Germany Only

Merchants classified with this MCC are package tour operators in Germany.

4784

Tolls and Bridge Fees

Merchants classified with this MCC collect fees

associated with toll roads, highways, and bridges.

Bridge, Toll Fees

Fees – Bridge, Toll

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

4789

Transportation Services (Not Elsewhere Classified)

Merchants classified with this MCC provide

passenger transportation services that are not

classified with a more specific MCC. This MCC

includes Merchants that provide transportation via

horse-drawn cabs and carriages, bicycle-taxis, aerial

tramways, airport shuttles, and cable cars. Ferry

service, bus transportation, cruise lines, passenger

railways, and taxi and limousine service Merchants

are not included in this category.

Airport Shuttle

Transportation

Miscellaneous Transport

Services

Services – Transportation

Shuttle Transportation

4111 – Local and Suburban

Commuter Passenger

Transportation, Including Ferries

4112 – Passenger Railways

4121 – Taxicabs and Limousines ...

4131 – Bus Lines

4411 – Steamship and Cruise Lines

4722 – Travel Agencies and Tour

Operators

4812

Telecommunication Equipment and Telephone Sales

Merchants classified with this MCC sell

telecommunications equipment such as telephones,

fax machines, pagers, mobile phones, and other

equipment related to telecommunications.

Cellular Telephone

Equipment

Equipment –

Telecommunications

Pagers, Paging Equipment

Telephone Equipment

4814 – Telecommunication Services,

including Local and Long Distance

Calls, Credit Card Calls, Calls

Through Use of Magnetic Stripe

Reading Telephones, and Fax

Services

5732 – Electronics Stores

4814

Telecommunication Services, including Local and Long-Distance Calls, Credit Card Calls, Calls Through Use of Magnetic-

Stripe-Reading Telephones, and Fax Services

Merchants classified with this MCC provide

telecommunications services including local and long-

distance telephone calls, calls placed through the use

of magnetic stripe-reading telephones, and fax

services. Merchants that provide periodic (e.g.,

monthly) billing of telephone calls should be classified

with this MCC.

Cellular Telephone Service

Faxing Services

Local Telecommunication

Service

Long Distance

Telecommunication

Service

Prepaid Calling Cards –

Telecommunication

Service

4812 – Telecommunication

Equipment and Telephone Sales

4816

Computer Network/Information Services

Merchants classified with this MCC provide internet

access. This MCC includes all Merchants that provide

computer network and information services and

internet service providers.

Electronic Bulletin Board

Access

Information Services –

via Computer Networks

Internet Payment

Facilitators

Website Management/

Maintenance

5967 – Direct Marketing – Inbound

Teleservices Merchant

7372– Computer Programming, Data

Processing, and Integrated

Systems Design Services

4821

Telegraph Services

Merchants classified with this MCC that provide

telegraph and other nonverbal message

communications services such as telegrams.

Cablegrams

Services – Cablegrams

Services – Telegraph

4814 – Telecommunication Services,

including Local and Long

Distance Calls, Credit Card

Calls, Calls Through Use of

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

Magnetic Stripe Reading

Telephones, and Fax

Services

4829

Money Transfer

Merchants classified with this MCC allow customers

to transfer funds via an electronic funds transfer / wire

transfer / remittance to a named entity (both card-

present and card-absent locations including on the

premises of the Merchant and third-party agents such

as casinos, truck stops, or check-cashing storefronts)

or via an original credit transaction (e.g., via Visa

Direct or Person to Person [P2P] payments).

A Merchant that transfers, Liquid and Cryptocurrency

Assets such as cryptocurrency must include all

required data in the authorization request and clearing

record. Bill Payments merchants (who are not eligible

and not registered in the CBPS Program) should be

assigned with this MCC.

Wire Transfer

4821– Telegraph Services

6051 – Non-Financial Institutions –

Foreign Currency, Liquid and

Cryptocurrency Assets (for example:

Cryptocurrency), Money Orders (Not

Money Transfer), Account Funding

(not Stored Value Load), Travelers

Cheques,

and Debt Repayment

4899

Cable, Satellite and Other Pay Television/Radio/Streaming Services

Merchants classified with this MCC provide the

connection and ongoing delivery of

television/radio/streaming content on a subscription or

fee basis.

Pay Radio Services

Pay Television Services

Cable

Satellite Services

Services – Cable and

Other Pay Television

Services

Services – Pay Radio

and Satellite Services

4900

Utilities – Electric, Gas, Water, and Sanitary

Merchants classified with this MCC provide the

ongoing generation, transmission, and/or distribution

of electric or gas power or other utility services. This

MCC also includes Merchants that provide water

supply system services and Merchants primarily

engaged in the collection and disposal of refuse.

Electric Utilities

Garbage Collectors

Gas Utilities

Public Utilities

Sanitary Utilities

Services – Electric Utilities

Services – Gas Utilities

Services – Sanitary

Utilities

Services – Waste

Management

Services – Water Utilities

Water Utilities

4814 – Telecommunication Services,

including Local and Long

Distance Calls, Credit Card

Calls, Calls Through Use of

Magnetic Stripe Reading

Telephones, and Fax

Services

5013

Motor Vehicle Supplies and New Parts

Merchants classified with this MCC are business-to-

business or wholesale distributors of motor vehicle

accessories, tools, equipment and new parts,

Automobile – Motor

Vehicle Supplies, New

5532 – Automotive Tire Stores

5533 – Automotive Parts and

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

including electric vehicle charging equipment

designed for commercial use, testing equipment,

service station pumps and other equipment, glass,

batteries, and engines.

Parts

Parts – Motor Vehicle

Supplies, New Parts

Supplies – Motor Vehicle

Supplies, New Parts

Vehicle Supplies, New

Parts

Accessories Stores

7531 – Automotive Body Repair

Shops

7538 – Automotive Service Shops

(Non-Dealer)

5021

Office and Commercial Furniture ....

Merchants classified with this MCC are business-to-

business or wholesale manufacturers and/or

distributors of office and commercial furniture.

Commercial Furniture

Furniture – Office,

Commercial

5047 – Medical, Dental, Ophthalmic

and Hospital Equipment and

Supplies

5712 – Furniture, Home Furnishings

and Equipment Stores, Except

Appliances

5039

Construction Materials (Not Elsewhere Classified )

Merchants classified with this MCC are business-to-

business or wholesale distributors of construction

materials and parts that are not classified with a more

specific MCC.

Materials – Construction

Supplies – Construction

Materials

1761 – Roofing, Siding, and Sheet

Metal Work Contractors

5072 – Hardware, Equipment and

Supplies

5198 – Paint, Varnishes and

Supplies

5200 – Home Supply Warehouse

Stores

5211 – Lumber and Building

Materials Stores

5231 – Glass, Paint, and Wallpaper

Stores

5251 – Hardware Stores

5713 – Floor Covering Stores

7692 – Welding Services

5044

Photographic, Photocopy, Microfilm Equipment and Supplies

Merchants classified with this MCC are business-to-

business or wholesale distributors of office and

photographic equipment such as film, cash registers,

photocopy machines, microfilm machines, vaults and

safes, typewriters, fax machines, adding machines,

and mailing machines.

Copy Services –

Photographic, Photocopy,

Microfilm Supplies

Equipment – Photographic,

Photocopy, Microfilm

Equipment, Supplies

Microfilm Supplies

Photocopy Supplies

Supplies – Photographic,

Photocopy, Microfilm

Equipment, Supplies

5021 – Office and Commercial

Furniture

5045 – Computers and Computer

Peripheral Equipment and Software

5943 – Stationery Stores, Office and

School Supply Stores

5946 – Camera and Photographic

Supply Stores

7338 – Quick Copy, Reproduction,

and Blueprinting Services

7395 – Photofinishing Laboratories

and Photo Developing

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

5045

Computers and Computer Peripheral Equipment and Software

Merchants classified with this MCC are business-to-

business or wholesale distributors of computer

hardware, software and related equipment.

Equipment – Computers,

Computer Peripheral

Equipment, Software

Hardware – Computer

Software – Computer

Supplies – Computers,

Computer Peripheral

Equipment, Software

5021 – Office and Commercial

Furniture

5732 – Electronics Stores

5734 – Computer Software Stores

7379 – Computer Maintenance,

Repair and Services

(Not Elsewhere Classified)

5046

Commercial Equipment (Not Elsewhere Classified)

Merchants classified with this MCC are business-to-

business or wholesale distributors of commercial

machines and equipment that are not classified with a

more specific MCC.

Appliance Wholesaler

Commercial Cooking,

Food Service Equipment

Equipment – Commercial

Food Service Equipment –

Commercial Cooking

Equipment

Restaurant Equipment –

Commercial Cooking,

Food Service Equipment

Supplies – Commercial

Equipment

5021 – Office and Commercial

Furniture

5712 – Furniture, Home Furnishings

and Equipment Stores,

Except Appliances

7394 – Equipment, Tool, Furniture,

and Appliance Rental and

Leasing

5047

Medical, Dental, Ophthalmic and Hospital Equipment and Supplies

Merchants classified with this MCC are business-to-

business or wholesale distributors of laboratory,

surgical, dental, or orthopedic equipment, patient

monitoring equipment, wheelchairs, and other medical

instruments, industrial safety devices, hospital

equipment and hospital furniture, such as beds.

Dental Equipment, Supplies

Equipment – Medical,

Dental, Ophthalmic,

Orthopedic, Hospital

Equipment, Supplies

Hospital Equipment,

Supplies

Orthodontia Supplies

Safety Equipment

Supplies – Dental

Supplies – Hospital

Supplies – Medical

Supplies – Orthopedic

X-Ray Equipment

2842 – Specialty Cleaning, Polishing

and Sanitation Preparations

5021 – Office and Commercial

Furniture

5051

Metal Service Centers and Offices

Merchants classified with this MCC are business-to-

business or wholesale marketers of semi-finished

metal products, excluding precious metals. These

Merchants may sell metal piping and tubing, wire

screening and bale ties, nails, ingots, aluminum bars,

rails and accessories, metal or galvanized sheets,

strip metal, iron rods, and wire rope or cable.

5094 – Precious Stones and Metals,

Watches and Jewelry

5944 – Jewelry Stores, Watches,

Clocks and Silverware Stores

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

5065

Electrical Parts and Equipment

Merchants classified with this MCC are business-to-

business or wholesale distributors of electrical parts

and communications equipment, such as electronic

coils, capacitors, electronic condensers, diodes,

semiconductor devices, public address equipment,

and electric signs.

Communications

Equipment

Equipment – Electrical

Parts, Equipment

Parts – Electrical,

Equipment

Supplies – Electrical Parts,

Equipment

4812 – Telecommunications

Equipment and Telephone Sales

5732 – Electronics Stores

5072

Hardware, Equipment and Supplies

Merchants classified with this MCC are business-to-

business or wholesale distributors of general

hardware and cutlery such as bolts, nuts, rivets,

screws, fasteners, hand tools, locks, washers, tacks,

staples, nails, hand saws, saw blades, and power

hand tools.

Equipment – Hardware,

Equipment, Supplies

Hand Tools

Supplies Hardware,

Equipment, Supplies

5251 – Hardware Stores

5074

Plumbing and Heating Equipment and Supplies

Merchants classified with this MCC are business-to-

business or wholesale distributors of hydraulic

plumbing and heating equipment and supplies. This

MCC does not include wholesalers of commercial

refrigeration equipment or supplies or appliances such

as electric or gas ranges and commercial ovens.

Equipment – Heating

Equipment, Supplies

Equipment – Plumbing

Equipment, Supplies

Equipment – Water

Conditioning,

Purification, Softening

Heating Equipment,

Supplies

Supplies – Heating

Equipment, Supplies

Supplies – Plumbing

Equipment, Supplies

5046 – Commercial Equipment

(Not Elsewhere Classified)

5072 – Hardware, Equipment and

Supplies

5251 – Hardware Stores

5722 – Household Appliance

Stores

7299 – Miscellaneous Personal

Services – Water Filtration,

Purification, Softening

5085

Industrial Supplies (Not Elsewhere Classified)

Merchants classified with this MCC are business-to-

business or wholesale distributors of industrial

supplies that are not classified with a more specific

MCC. Products for sale may include abrasives,

bearings, boxes, cans, crates, cork,

gaskets, grommets, hydraulic valves, hoses,

pistons, sprockets, barrels, bottles (glass or plastic),

industrial fittings, cordage, twine and rope, metals

closures, printers’ ink, lapidary equipment, leather

belting, mill supplies, pails, rubber goods, textile

printers’ supplies, and steel drums.

Supplies – Industrial

5072 – Hardware Equipment and

Supplies

5169 – Chemicals and Allied

Products

(Not Elsewhere Classified)

5251 – Hardware Stores

5094

Precious Stones and Metals, Watches and Jewelry

Merchants classified with this MCC are business-to-

business or wholesale distributors of jewelry, precious

Gemstones, Precious

Stones, Metals,

5944 – Jewelry, Watches, Clocks

and Silverware Stores

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

stones and metals. This MCC also includes

wholesalers of costume jewelry, watches and watch

parts, clocks, silverware, diamonds and gemstones,

precious metals, pearls, and trophies.

Watches, Jewelry

Jewelry – Fine Watches

7699 – Miscellaneous Repair Shops

and Related Services

5099

Durable Goods (Not Elsewhere Classified)

Merchants classified with this MCC are business-to-

business or wholesale distributors of durable goods

that are not classified with a more specific MCC.

Fire Extinguishers

Firearms, Ammunition

Gas Lighting Fixtures

Goods – Durable

Gravestones

Luggage (Business to

Business)

Monuments

Musical Instruments

Rough Timber Products

Signs

5065 – Electrical Parts and

Equipment

5941 - Sporting Goods Stores

5999 - Miscellaneous and Specialty

Retail Shops

5111

Stationery, Office Supplies, Printing and Writing Paper

Merchants classified with this MCC are business-to-

business or wholesale distributors of stationery and

office supplies and printing and writing paper.

Business Supplies –

Stationery, Office, Printing,

Writing Supplies

Office Supplies

Paper – Writing, Printing,

Stationery, Office Supplies

Printing Supplies

Supplies – Stationery,

Office Supplies, Printing,

and Writing Paper

5021 – Office and Commercial

Furniture

5044 – Photographic, Photocopy,

Microfilm Equipment

and Supplies

5943 – Stationery Stores, Office

and School Supply Stores

5978 – Typewriter Stores – Sales,

Rentals, and Service

5122

Drugs, Drug Proprietaries, and Druggist Sundries

Merchants classified with this MCC are business-to-

business or wholesale distributors of prescription

drugs, proprietary drugs, druggists’ sundries,

pharmaceuticals, and biological or related products.

Distributors – Drugs,

Druggists’ Sundries,

Pharmaceuticals

Supplies – Drugs, Drug

Proprietaries, Druggist

Sundries,

5047 – Medical, Dental, Ophthalmic

and Hospital Equipment and

Supplies

5912 – Drug Stores and Pharmacies

5131

Piece Goods, Notions, and Other Dry Goods

Merchants classified with this MCC are business-to-

business or wholesale distributors of piece goods, dry

goods, and notions/haberdashery.

Fabric Goods

Hair Accessories

Notions

Sewing Accessories

Supplies – Millinery

Textiles, Textile Binding

5719 – Miscellaneous Home

Furnishing Specialty Stores

5949 – Sewing, Needlework, Fabric

and Piece Goods Stores

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

5137

Men’s, Women’s, and Children’s Uniforms and Commercial Clothing

Merchants classified with this MCC are business-to-

business or wholesale distributors of commercial work

clothing and uniforms. This MCC includes wholesale

distributors of graduation caps and gowns, athletic and

recreational uniforms, and school uniforms, but not

shoes.

Children’s Uniforms

Commercial Clothing –

Men’s, Women’s,

Children’s

Men’s Uniforms

Professional Uniforms

Uniforms – Men’s,

Women’s, Children’s

Women’s Uniforms

5139 – Commercial Footwear .........

5611 – Men’s and Boys’ Clothing and

Accessories Stores

5621 – Women’s Ready-To-Wear

Stores

5631 – Women’s Accessory and

Specialty Shops

5641 – Children’s and Infants’ Wear

Stores

5651 – Family Clothing Stores

5655 – Sports and Riding Apparel

Stores

5661 – Shoe Stores

5681 – Furriers and Fur Shops

5691 – Men’s and Women’s

Clothing Stores

5697 – Tailors, Seamstresses,

Mending, and Alterations

5699 – Miscellaneous Apparel and

Accessory Shops

5139

Commercial Footwear

Merchants classified with this MCC are business-to-

business or wholesale distributors of commercial

shoes and boots including athletic footwear.

Footwear – Commercial

Shoes, Shoe Accessories

– Commercial

5661 – Shoe Stores

5169

Chemicals and Allied Products (Not Elsewhere Classified)

Merchants classified with this MCC are business-to-

business or wholesale distributors of chemicals and

allied products that are not classified with a more

specific MCC. Products for sale are typically used

for industrial purposes. Examples include industrial

acids, ammonia and alcohol, heavy, aromatic and

other chemicals, chlorine, compressed and liquefied

gases, detergents, fuel and oil additives, resins,

salts, turpentine, sealants, rust proofing chemicals,

coal tar products, dry ice, dyestuffs, glue, gelatin,

and explosives

Detergents

Supplies – Chemicals,

Allied Products

2842 – Specialty Cleaning, Polishing

and Sanitation Preparations

5999 – Miscellaneous and Specialty

Retail Stores

5172

Petroleum and Petroleum Products

Merchants classified with this MCC are business-to-

business or wholesale distributors of petroleum and

petroleum products, butane gas, crude oil, fuel oil,

gasoline, kerosene, lubricating oils and greases,

aircraft fueling services, and naphtha.

Fuel Products, Services

Services – Fueling

5169 – Chemicals and Allied Products

(Not Elsewhere Classified)

5983 – Fuel Dealers – Fuel Oil,

Wood, Coal, and Liquefied

Petroleum

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

5192

Books, Periodicals and Newspapers

Merchants classified with this MCC are business-to-

business or wholesale distributors of books,

periodicals, magazines, journals, and newspapers,

including newspaper agencies.

Journals

Magazines

Newspapers, Newspaper

Agencies

Periodicals

2741 – Miscellaneous Publishing

and Printing

5942 – Book Stores

5968 – Direct Marketing – Continuity/

Subscription Merchant

5994 – News Dealers and

Newsstands

5193

Florists Supplies, Nursery Stock and Flowers

Merchants classified with this MCC are business-to-

business or wholesale distributors of flowers, nursery

stock and florists’ supplies, fresh and artificial flowers,

and potted plants.

Gardening Supplies

Nursery Stock

Plants

Supplies – Florist Supplies,

Nursery Stock, Flowers

5261 – Nurseries and Lawn and

Garden Supply Stores

5992 – Florists

5198

Paints, Varnishes and Supplies

Merchants classified with this MCC are business-to-

business or wholesale distributors of paints,

varnishes, wallpaper, and supplies, including colors

and pigments, enamels, lacquers, paint brushes, paint

pans, sandpaper, drop cloths, shellac, rollers, and

sprayers.

Supplies – Paints,

Varnishes, Supplies

Varnishes, Paints,

Supplies

5231 – Glass, Paint, and Wallpaper

Stores

5199

Nondurable Goods (Not Elsewhere Classified)

Merchants classified with this MCC are business-to-

business or wholesale distributors of nondurable

goods that are not classified with a more specific

MCC, such as food products, art goods, clothes

hangers, foam rubber, ice, crude rubber, sponges,

textile bags, burlap, canvas products, leather, and

baskets.

Goods – Nondurable

5131 – Piece Goods, Notions, and

Other Dry Goods

5948 – Luggage and Leather

Goods Stores

5200

Home Supply Warehouse Stores

Merchants classified with this MCC sell of a wide

range of home products such as wallpaper, paint,

lumber, garden supplies, electrical equipment and

supplies and home decorating items, as well as sinks,

cabinets and doors.

Warehouse Stores –

Home Supply

5211 – Lumber and Building Materials

Stores

5231 – Glass, Paint, and Wallpaper

Stores

5251 – Hardware Stores

5713 – Floor Covering Stores

5211

Lumber and Building Materials Stores

Merchants classified with this MCC sell of one or

more of the following products: lumber, unfinished

wood products, lighting materials, concrete, sand,

gravel, general building or electrical supplies, bricks,

Building Materials

Construction Materials

Materials – Lumber,

5200 – Home Supply Warehouse

Stores

5231 – Glass, Paint, and Wallpaper

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

fencing, pipe, fiberglass, or molding. This MCC

includes building centers that offer their products to

contractors rather than to the general public and does

not include home supply store chains that are

frequented by the general public.

Building

Roofing Materials

Supplies – Lumber,

Building Materials

Stores

5251 – Hardware Stores

5713 – Floor Covering Stores

5718 – Fireplace, Fireplace Screens

and Accessories Stores

5231

Glass, Paint, and Wallpaper Stores

Merchants classified with this MCC sell glass, paint

and painting supplies, wallpaper and hanging

supplies, and other wall covering materials.

Paint, Painting Supplies

Supplies – Glass

Supplies – Paint, Painting

Supplies

Supplies – Wallpaper,

Supplies

Wallpaper, Wallcovering

Supplies Store

5039 – Construction Materials

(Not Elsewhere Classified)

5200 – Home Supply Warehouse

Stores

5251 – Hardware Stores

5251

Hardware Stores

Merchants classified with this MCC sell a full range of

hardware supplies for purchase by the general public.

Electrical Supplies

Hand Tools

Lighting Fixtures, Supplies

Plumbing Supplies

Power Tools

Supplies – Hardware

Stores

Tools

5200 – Home Supply Warehouse

Stores

5231 – Glass, Paint, and Wallpaper

Stores

5713 – Floor Covering Stores

5718 – Fireplace, Fireplace Screens

and Accessories Stores

5261

Nurseries and Lawn and Garden Supply Stores

Merchants classified with this MCC sell nursery stock,

trees, shrubs, other plants, seeds, bulbs, mulches,

soil conditioners, fertilizers, pesticides, garden tools,

and other garden supplies.

Gardening Supplies

Greenhouses

Lawn, Garden Supply

Plant Shops

Supplies – Nurseries,

Lawn, Garden Supply

Stores

0780 – Landscaping and

Horticultural Services

5992 – Florists

5262

Marketplaces

Entities classified with this MCC are online marketplaces

that accept Visa and bring together cardholders and

retailers selling a range of goods or services that may

otherwise qualify for different MCCs, on a single e-

commerce website or mobile application, under a single

brand used to identify itself to cardholders. Marketplaces

with a single line of goods or services must use the MCC

that most accurately describes that line of business.

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

These Marketplaces must meet all Visa qualification

requirements and be registered with Visa as a

Marketplace.

5271

Mobile Home Dealers

Merchants classified with this MCC sell new and used

mobile homes and related parts, accessories, and

equipment.

Dealers – Mobile Home,

Parts, Equipment

Equipment – Mobile

Home Parts

5561 – Camper, Recreational and

Utility Trailer Dealers

5592 – Motor Home Dealers

5599 – Miscellaneous Automotive,

Aircraft, and Farm Equipment

Dealers (Not Elsewhere Classified)

5300

Wholesale Clubs

Merchants classified with this MCC sell a full range of

goods (often in bulk) and services in warehouse-style

stores. These Merchants may or may not have

membership requirements.

Club Stores – Wholesale

Clubs

Discount Goods –

Wholesale Clubs

Warehouse Retail –

Wholesale Clubs

5200 – Home Supply Warehouse

Stores

5310 – Discount Stores

5311 – Department Stores

5331 – Variety Stores

5399 – Miscellaneous General

Merchandise

5712 – Furniture, Home Furnishings

and Equipment Stores, Except

Appliances

5719 – Miscellaneous Home

Furnishing Specialty Stores

5309

Duty Free Stores

Merchants classified with this MCC sell a variety of

gift and import items that are typically exempt from

customs fees, such as liquor, perfume, and jewelry.

5921 – Package Stores – Beer, Wine,

and Liquor

5944 – Jewelry Stores

5999 – Miscellaneous and Specialty

Retail Stores

5310

Discount Stores

Merchants classified with this MCC sell a general line

of merchandise and offer it at a discounted rate.

5300 – Wholesale Clubs

5311 – Department Stores

5331 – Variety Stores

5399 – Miscellaneous General

Merchandise

5931 – Used Merchandise and

Secondhand Stores

5311

Department Stores

Merchants classified with this MCC sell a general line

of apparel, home furnishings, furniture, electronics,

cosmetics, housewares, and major household

appliances. These stores have departments that

5300 – Wholesale Clubs

5331 – Variety Stores

5399 – Miscellaneous General

Merchandise

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

usually have their own separate check-out counters.

5931 – Used Merchandise and

Secondhand Stores

5331

Variety Stores

Merchants classified with this MCC sell a limited

selection of various products in a lower price range.

Generally, these Merchants sell the same type of

merchandise and operate in the same manner as a

discount store, but on a much smaller scale.

5310 – Discount Stores

5311 – Department Stores

5399 – Miscellaneous General

Merchandise

5931 – Used Merchandise and

Secondhand Stores

5947 – Gift, Card, Novelty and

Souvenir Shops

5399

Miscellaneous General Merchandise

Merchants classified with this MCC sell a general line

of merchandise. Generally, these Merchants sell the

same type of merchandise and operate in the same

manner as a department store, but on a much smaller

scale.

General Merchandise –

Miscellaneous

5300 – Wholesale Clubs

5310 – Discount Stores

5311 – Department Stores

5331 – Variety Stores

5931 – Used Merchandise and

Secondhand Stores

5411

Grocery Stores and Supermarkets

Merchants classified with this MCC sell a complete,

full line of food merchandise for home consumption.

Most of the food merchandise is perishable, and

perishables* must represent at least 45% of

Merchant’s total monthly sales volume, measured in

local currency. In addition, they also sell canned,

frozen, prepackaged, and dry foods, a limited

selection of housewares, cleaning and polishing

products, personal hygiene products, cosmetics,

greeting cards, books, magazines, household items,

and dry goods. These Merchants may also operate

specialized departments such as an in-store deli

counter, meat counter, pharmacy, or floral

department.

* Perishable goods include the following:

• Bakery – in store (service)

• Bread and baked goods – fresh

• Dairy – butter, margarine, cottage cheese,

sour cream, toppings, dough products, eggs,

juices/drinks (refrigerated), milk, pudding,

desserts, snacks, spreads, dips, and yogurt

• Deli – in store (service)

• Deli – refrigerated (self service)

• Frozen foods – baked goods, breakfast foods,

desserts, fruits, toppings, frozen novelties, ice,

Food Stores – Grocery

Stores, Supermarkets

Supermarkets

5422 – Freezer and Locker Meat

Provisioners

5451 – Dairy Products Stores

5499 – Miscellaneous Food Stores –

Convenience Stores and Specialty

Markets

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

ice cream, juices, drinks, meal starters, pizza,

snacks, hors d’oeuvres, prepared foods,

unprepared meat, poultry, seafood,

vegetables

• Meat, fish, poultry – fresh

• Packaged meat – deli

• Fresh produce

• Floral

5422

Freezer and Locker Meat Provisioners

Merchants classified with this MCC sell fresh, frozen,

or cured meats, fish, shellfish, and other seafoods.

This MCC also includes bulk retail sellers of meat for

freezer storage and home freezer plans.

Butcher Shops

Fish, Seafood Markets

Frozen Meats, Seafood

Meat Markets, Meat

Lockers

Seafood Markets

5411 – Grocery Stores and

Supermarkets

5499 – Miscellaneous Food Stores –

Convenience Stores and Specialty

Markets

5441

Candy, Nut, and Confectionery Stores

Merchants classified with this MCC are retail sellers of

candy, chocolate, nuts, dried fruits,

popcorn and other confections.

Chocolate Shops

Confectionery Shops

Dried Fruit Shops

Nut Shops

Popcorn Stands

5451 – Dairy Product Stores

5462 – Bakeries

5499 – Miscellaneous Food Stores –

Convenience Stores and Specialty

Markets

5451

Dairy Products Stores

Merchants classified with this MCC sell packaged

butter, cheese, ice cream, milk, and other dairy

products.

Cheese Shops

5499 – Miscellaneous Food Stores –

Convenience Stores and Specialty

Markets

5814 – Fast Food Restaurants

5462

Bakeries

Merchants classified with this MCC sell (and may

make) bakery goods.

Bagel Shops

Cake Shops

Cookie Stores

Doughnut Shops

Pastry Shops

Pie Shops

Wedding Cakes

5499 – Miscellaneous Food Stores –

Convenience Stores and

Specialty Markets

5499

Miscellaneous Food Stores – Convenience Stores and Specialty Markets

Merchants classified with this MCC sell specialty

foods not classified with a more specific MCC.

Convenience Stores

Delicatessens

Food Stores –

Convenience

Fruit Markets

Gourmet Food Stores

Health Food Stores

Mini Markets

5411 – Grocery Stores and

Supermarkets

5422 – Freezer and Locker Meat

Provisioners

5441 – Candy, Nut, and

Confectionery Stores

5451 – Dairy Products Stores

5462 – Bakeries

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

Poultry Shops

Produce Markets

Specialty Food Markets

Vegetable Markets

Vitamin Stores

Meal Preparation Kits

5541 – Service Stations (with or

without Ancillary Services

5814 – Fast Food Restaurants

5511

Car and Truck Dealers (New and Used) Sales, Service, Repairs, Parts, and Leasing

Merchants classified with this MCC sell and/or lease

new and used automobiles, trucks, pickups, and vans

and may also conduct repair work and sell

replacement parts and accessories.

Automobile/Truck

Dealers (New/Used)

Sales, Service, Repairs,

Parts, Leasing

Car Dealers (New/Used)

Dealers – Automobile/

Truck (New/Used), Sales,

Service, Repairs,

Parts, Leasing

Leasing – Automobile,

Truck

Motor Vehicle Dealers

(New/Used)

Repairs – Automobile/

Truck Dealers (New/

Used) Sales, Service,

Repairs, Parts, Leasing

Truck Dealers (New/Used)

5521 – Car and Truck Dealers

(Used Only) Sales, Service, Repairs,

Parts, and Leasing

5532 – Automotive Tire Stores .......

5533 – Automotive Parts and

Accessories Stores

5561 – Camper, Recreational and

Utility Trailer Dealers

5571 – Motorcycle Shops and Dealers

5592 – Motor Home Dealers

5598 – Snowmobile Dealers

5599 – Miscellaneous Automotive,

Aircraft, and Farm Equipment

Dealers (Not Elsewhere Classified)

7538 – Automotive Service Shops

(Non-Dealer)

5521

Car and Truck Dealers (Used Only) Sales, Service, Repairs, Parts, and Leasing

Merchants classified with this MCC sell and/or lease

only used automobiles, trucks, pickups and vans and

may also conduct repair work and sell replacement

parts and accessories.

Antique Automobiles

Automobiles/Trucks (Used

Only)

Car Dealers (Used Only)

Dealers – Antique

Automobiles

Dealers – Automobile/

Truck (Used Only)

5511 – Car and Truck Dealers

(New/Used) Sales, Service, Repairs,

Parts, and Leasing

5532 – Automotive Tire Stores

5533 – Automotive Parts and

Accessories Stores

5561 – Camper, Recreational and

Utility Trailer Dealers

5571 – Motorcycle Shops and

Dealers

5592 – Motor Home Dealers

5598 – Snowmobile Dealers

5599 – Miscellaneous Automotive,

Aircraft, and Farm Equipment

Dealers (Not Elsewhere Classified)

7538 – Automotive Service Shops

(Non-Dealer)

5532

Automotive Tire Stores

Merchants classified with this MCC sell automotive

Car Tires – New Only

5533 – Automotive Parts and

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

and truck tires and related parts and may also

conduct tire installation and repair services.

Repairs – Automotive Tire

Stores

Services – Repairs/

Automotive Tire Stores

Tire Stores

Accessories Stores

7534 – Tire Retreading and Repair

Shops

7538 – Automotive Service Shops

(Non-Dealer)

5533

Automotive Parts and Accessories Stores

Merchants classified with this MCC sell automobile

parts, equipment, and accessories, including electric

vehicle charging equipment designed for personal

use.

Accessories – Automotive

Automobile – Parts,

Accessories Stores

Car Parts, Accessories

Stores

Motor Vehicle Supplies,

Parts

Parts, Automotive

Supplies – Automotive

Parts, Accessories Stores

5532 – Automotive Tires Stores

5732 – Electronics Stores

5541

Service Stations (With or without Ancillary Services)

Merchants classified with this MCC are retail sellers of

engine fuel These Merchants may or may not also

have a convenience store, car wash, or automotive

repair shop on the premises, but must sell fuel for

consumer use. Excluded from this category code are

Automated Fuel Dispensers, MCC 5542

Filling Stations –

Automotive Gasoline

Gas Stations (With or

Without Ancillary Services)

Gasoline – Service Stations

Marina Service Stations

Petrol – Service Stations

Truck Stops – Gasoline

Service

5542 – Automated Fuel Dispensers

7538 – Automotive Service Shops

(Non-Dealer)

5542

Automated Fuel Dispensers

Merchants classified with this MCC are retail sellers of

engine fuel through the use of an Automated Fuel

Dispenser (AFD).

Cardholder-Activated

Fuel Dispensers

Fuel Dispensers –

Automated

Gas Pumps (Automated

Fuel Dispensers)

Fuel – Self-Service

Terminals

Petrol Dispensers –

Automated Petrol – Self-

Service Terminals

Self-Service Terminals –

Fuel

Self-Service Terminals –

Petrol

5541 – Service Stations (With or

Without Ancillary Services)

7538 – Automotive Service Shops

(Non-Dealer)

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

5551

Boat Dealers

Merchants classified with this MCC sell new and used

motorboats, sailboats, and other watercraft, marine

supplies, and outboard motors.

Dealers – Boat

Motorboat Dealers

Outboard Motor Dealers

Powerboat Dealers

Sailboat Dealers

4468 – Marinas, Marine Service, and

Supplies

5552

Electric Vehicle Charging

Merchants classified with this MCC sell electricity for

the purpose of fueling an automobile

5541 – Service Stations (With or

Without Ancillary Services

5542 – Automated Fuel Dispensers

7523 – Parking Lots, Parking Meters

and Garages

5561

Camper, Recreational and Utility Trailer Dealers

Merchants classified with this MCC sell new and used

campers, recreational and utility trailers, and related

parts and accessories.

Accessories – Recreational

Vehicles

Camper Dealers

Dealers – Recreational,

Utility Trailers, Camper

Dealers

Parts, Recreational

Vehicles

RV, Camper Dealers

Recreational Vehicle

Dealers, Parts, Accessories

Trailers – Utility

Utility Trailers

5571 – Motorcycle Shops and Dealers

5592 – Motor Home Dealers

5598 – Snowmobile Dealers

5599 – Miscellaneous Automotive,

Aircraft, and Farm Equipment

Dealers (Not Elsewhere Classified)

5571

Motorcycle Shops and Dealers

Merchants classified with this MCC sell new and used

motorcycles, motor scooters, mopeds and related

parts, equipment, clothing, and accessories.

Dealers – Motorcycle,

Moped, Motor Scooters

Moped Dealers, Parts,

Accessories

Motor Scooter Dealers,

Parts, Accessories

Supplies – Motorcycle

Parts, Accessories

5599 – Miscellaneous Automotive,

Aircraft, and Farm Equipment

Dealers (Not Elsewhere Classified)

5592

Motor Homes Dealers

Merchants classified with this MCC sell new and used

motor homes and related parts and

accessories.

Dealers – Motor Homes

5271 – Mobile Home Dealers

5561 – Camper, Recreational and

Utility Trailer Dealers

5599 – Miscellaneous Automotive,

Aircraft, and Farm Equipment

Dealers (Not Elsewhere Classified)

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

5598

Snowmobile Dealers

Merchants classified with this MCC sell new and used

snowmobiles and related parts and accessories.

Dealers – Snowmobiles

5561 – Camper, Recreational and

Utility Trailer Dealers

5599 – Miscellaneous Automotive,

Aircraft, and Farm Equipment

Dealers (Not Elsewhere Classified)

5599

Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers (Not Elsewhere Classified)

Merchants classified with this MCC sell new and used

aircraft and/or automotive, farm, and recreational

vehicles, parts, equipment and supplies not classified

with a more specific MCC.

Airplane, Aircraft Dealers

All-Terrain Vehicle

Dealers

Automotive Dealers –

Miscellaneous

Dealers – Airplane,

Aircraft

Dealers – Golf Carts

Dealers – Miscellaneous

Automotive Dealers

Plane Dealers – Aircraft

5511 – Car and Truck Dealers (New

and Used) Sales, Service, Repairs,

Parts, and Leasing

5521 – Car and Truck Dealers (Used

Only) Sales, Service, Repairs, Parts,

and Leasing

5551 – Boat Dealers

5561 – Camper, Recreational and

Utility Trailer Dealers

5571 – Motorcycle Shops and Dealers

5592 – Motor Home Dealers

5598 – Snowmobile Dealers

5611

Men’s and Boys’ Clothing and Accessories Stores

Merchants classified with this MCC sell men’s and

boys’ ready-to-wear clothing and accessories.

Accessories – Men’s,

Boys’ Clothing

Apparel – Men’s, Boys’

Clothing

Boys’ Clothing, Accessories

Clothing – Men’s, Boys’

Clothing, Accessory

Stores

Hat Shops – Men’s Necktie

Stores

Tie Shops – Men’s Clothing

5651 – Family Clothing Stores

5691 – Men’s and Women’s

Clothing Stores

5621

Women’s Ready-To-Wear Stores ..

Merchants classified with this MCC sell a general line

of women’s ready-to-wear and special-event clothing.

Apparel – Women’s Ready-

To-Wear Stores

Bridal Shops

Clothing – Women’s

Ready-To-Wear Stores

Coat Stores – Women’s

Dress Shops

Maternity Stores

Outerwear Stores –

Women’s

5631 – Women’s Accessory and

Specialty Shops

5651 – Family Clothing Stores

5655 – Sports and Riding

Apparel Stores

5681 – Furriers and Fur Shops

5691 – Men’s and Women’s

Clothing Stores

5699 – Miscellaneous Apparel and

Accessory Shops

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

5631

Women’s Accessory and Specialty Shops

Merchants classified with this MCC sell women’s

clothing accessories, including handbags, hats,

costume jewelry, scarves, belts, hair accessories,

lingerie, and hosiery.

Accessories – Women’s

Accessory, Specialty

Shops

Apparel – Women’s

Accessory, Specialty

Shops

Clothing – Women’s

Accessory, Specialty

Shops

Costume Jewelry Shops

Handbag Stores

Hat Shops – Women’s

Jewelry – Costume

Lingerie Stores

5621 – Women’s Ready-To-Wear

Stores

5699 – Miscellaneous Apparel and

Accessory Shops

5641

Children’s and Infants’ Wear Stores

Merchants classified with this MCC sell children’s and

infants’ clothing and accessories.

Apparel – Children’s,

Infants’ Wear

Baby Clothing

Clothing – Children’s,

Infants’ Wear Stores

Infants’ Clothing

5651 – Family Clothing Stores

5699 – Miscellaneous Apparel and

Accessory Shops

5651

Family Clothing Stores

Merchants classified with this MCC sell general lines

of men’s, women’s, and children’s clothing and

accessories without specializing in sales for a

particular gender or age group.

Apparel – Family Clothing

Stores

Clothing – Family Clothing

Stores

Jeans, Denim Clothing

Stores

5611 – Men’s and Boys’ Clothing and

Accessory Stores

5621 – Women’s Ready-To-Wear

Stores

5631 – Women’s Accessory and

Specialty Shops

5641 – Children’s and Infants’ Wear

Stores

5655 – Sports and Riding

Apparel Stores

5661 – Shoe Stores

5681 – Furriers and Fur Shops .......

5691 – Men’s and Women’s Clothing

Stores

5699 – Miscellaneous Apparel and

Accessory Shops

5655

Sports and Riding Apparel Stores

Merchants classified with this MCC sell athletic,

sports, and riding apparel and active wear.

Active Wear – Sports

Apparel

Apparel – Sports, Riding

Apparel Stores

Athletic Apparel Stores

5661 – Shoe Stores

5699 – Miscellaneous Apparel and

Accessory Shops

5941 – Sporting Goods Stores

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

Clothing – Sports Apparel,

Riding Apparel Stores

Equestrian Apparel

Riding Apparel – Sports

Apparel

5661

Shoe Stores

Merchants classified with this MCC sell men’s,

women’s, and/or children’s footwear (including athletic

footwear) and accessories.

Athletic Shoe Stores

Boot Shops

Footwear Stores

Western Boot Shops

5681

Furriers and Fur Shops

Merchants classified with this MCC sell a variety of

items made of animal fur, including coats, jackets,

hats, and gloves.

Apparel – Furriers, Fur

Shops

Clothing – Furriers, Fur

Shops

Coat Stores – Furriers

5621 – Women’s Ready-To-Wear

Shops

5631 – Women’s Accessory and

Specialty Shops

5691 – Men’s and Women’s Clothing

Stores

5699 – Miscellaneous Apparel and

Accessory Shops

5691

Men’s and Women’s Clothing Stores

Merchants classified with this MCC sell men’s and

women’s clothing and accessories but not infants’ and

children’s clothing.

Apparel – Men’s Clothing

Stores

Clothing – Women’s

Clothing Stores

5611 – Men’s and Boys’ Clothing and

Accessories Stores

5621 – Women’s Ready-To-Wear

Stores

5631 – Women’s Accessory and

Specialty Shops

5641 – Children’s and Infants’ Wear

Stores

5651 – Family Clothing Stores

5699 – Miscellaneous Apparel and

Accessory Shops

5697

Tailors, Seamstresses, Mending, and Alterations

Merchants classified with this MCC create and sell

custom-made clothing and perform alterations,

mending, and garment repair or restoration.

Alterations

Apparel – Tailors,

Seamstresses, Mending,

Alterations

Clothing – Tailors,

Seamstresses, Mending,

Alterations

Custom Made Clothing

Dressmakers

5949 – Sewing, Needlework, Fabric

and Piece Goods Stores

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

Hand Made Clothing

Made-To-Order Clothing

Mending, Alterations

Repairs – Tailors,

Seamstresses, Mending,

Alterations

Seamstresses Services –

Tailors, Seamstresses,

Mending, Alterations

Sewing Shops –

Alterations

5698

Wig and Toupee Stores

Merchants classified with this MCC sell permanently

attached or temporary toupees, wigs, hair pieces, and

hair extensions or provide hair weaving services.

Hair Pieces, Extensions

Hair Replacement –

Non-Surgical

Toupee Stores

5999 – Miscellaneous and Specialty

Retail Stores

7230 – Beauty and Barber Shops

8099 – Medical Services and Health

Practitioners (Not Elsewhere

Classified)

5699

Miscellaneous Apparel and Accessory Shops

Merchants classified with this MCC sell specialized

lines of apparel (excluding fur) and accessories that

are not classified with a more specific MCC.

Clothing – Formal Wear

Clothing – Miscellaneous

Apparel, Accessory Shops

Swim Wear Shop

T-Shirt Stores

5611 – Men’s and Boys’ Clothing and

Accessories Stores

5621 – Women’s Ready-to-Wear

Stores

5631 – Women’s Accessory and

Specialty Shops

5641 – Children’s and Infants’

Wear Stores

5651 – Family Clothing Stores

5661 – Shoe Stores

5681 – Furriers and Fur Shops

5691 – Men’s and Women’s

Clothing Stores

5697 – Tailors, Seamstresses,

Mending, and Alterations

5712

Furniture, Home Furnishings, and Equipment Stores, Except Appliances

Merchants classified with this MCC sell home

furnishings and a wide variety of finished furniture

products and accessories for the home.

Bedding, Mattress Stores

Custom Made Furniture

Equipment Stores

Home Furnishings,

Furniture

Made-to-Order Furniture

Mattress Stores

Outdoor Furnishings

Patio, Porch Furnishings

5713 – Floor Covering Stores

5714 – Drapery, Window Covering,

and Upholstery Stores

5719 – Miscellaneous Home

Furnishing Specialty Stores

5722 – Household Appliance Stores

5732 – Electronics Stores

7641 – Furniture – Reupholstery,

Repair, and Refinishing

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

Stores

5713

Floor Covering Stores

Merchants classified with this MCC are retail sellers of

floor coverings such as carpet, area rugs, floor tile,

linoleum, stone, wood, and brick, and may or may not

also perform installation services.

Carpet, Rug Stores

Linoleum Stores

Rug Stores

Tile Stores

5712 – Furniture, Home Furnishings

and Equipment Stores, Except

Appliances

5719 – Miscellaneous Home

Furnishing Specialty Stores

1799 – Special Trade Contractors

(Not Elsewhere Classified)

5714

Drapery, Window Covering, and Upholstery Stores

Merchants classified with this MCC sell draperies,

curtains, venetian blinds, window shades, and

upholstery materials.

Curtain Stores

Upholstery Materials Stores

Window-covering Stores

5712 – Furniture, Home Furnishings

and Equipment Stores, Except

Appliances

5719 – Miscellaneous Home

Furnishing Specialty Stores

7641 – Furniture – Reupholstery,

Repair, and Refinishing

5718

Fireplace, Fireplace Screens and Accessories Stores

Merchants classified with this MCC sell pre-made

fireplaces, wood stoves, and fireplace parts and

accessories.

Hearth, Accessories

Stores

Heating – Fireplace,

Accessories Stores

Stoves – Fireplaces,

Accessories Stores

Woodburning Stoves,

Accessories Stores

1740 – Masonry, Stonework, Tile

Setting, Plastering and Insulation

Contractors

5251 – Hardware Stores

5719 – Miscellaneous Home

Furnishing Specialty Stores

5719

Miscellaneous Home Furnishing Specialty Stores

Merchants classified with this MCC sell miscellaneous

home furnishings such as housewares, cutlery,

bedding and linen, lamps and shades, mirrors and

pictures, pottery, and ceramic items.

Accessories – Home

Furnishings

Bed, Bath Shops

Cookware Stores

Cutlery – Kitchen

Home Furnishing

Specialty Stores –

Miscellaneous

Housewares Stores

Kitchenware Stores

Lamp, Lighting Shops

Linen Shops

Pottery Stores

5712 – Furniture, Home Furnishings

and Equipment Stores, Except

Appliances

5713 – Floor Covering Stores

5714 – Drapery, Window Covering,

and Upholstery Stores

5718 – Fireplace, Fireplace Screens

and Accessories Stores

5722 – Household Appliance Stores

5932 – Antique Shops – Sales,

Repairs, and Restoration Services

5950 – Glassware/Crystal Stores

5722

Household Appliance Stores

Merchants classified with this MCC sell household

appliances such as gas or electric ranges and stoves,

Sewing Machine Stores

Vacuum Cleaner Stores

5712 – Furniture, Home Furnishings

and Equipment Stores, Except

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

ovens, refrigerators, dishwashers, water heaters,

washers and dryers, garbage disposals, sewing

machines, self-contained air conditioning units, and

vacuum cleaners, and may or may not also conduct

repair work.

Appliances

5719 – Miscellaneous Home

Furnishing Specialty Stores

7623 – Air Conditioning and

Refrigeration Repair Shops

7629 – Electrical and Small Appliance

Repair Shops

7699 – Miscellaneous Repair Shops

and Related Services

5723

Guns and Ammunition Shops (effective July 1, 2024)

Merchants classified with this MCC sell guns and/or

ammunition. Merchants whose primary business

involves the sale of guns and/or ammunition will use

this MCC.

This MCC should only be

used in those jurisdictions

where it is legally required

5941 – Sporting Goods Stores

5999 – Miscellaneous and Specialty

Retail Shops

5732

Electronics Stores

Merchants classified with this MCC sell a wide variety

of electronic goods such as televisions, radios,

cameras, computers, tablets, and stereo components

and may also sell electronic parts and or accessories

for the repair, construction or assembly of electronic

equipment and/or also conduct repair work.

Camcorders (And Other

Electronics)

Computer Hardware

(And Other Electronics)

Electronic Parts

Electronic Repair Shops

High Fidelity Equipment

Personal Computers

Radios

Stereos, Receivers, CD

Equipment

Television Stores

VCR’s

Video Cameras (And

Other Electronics)

5722 – Household Appliance Stores

5946 – Camera and Photographic

Supply Stores

7622 – Electronics Repair Shops

7629 – Electrical and Small Appliance

Repair Shops

7699 – Miscellaneous Repair Shops

and Related Services

7841 – DVD/Video Tape Rental

Stores

5733

Music Stores – Musical Instruments, Pianos, and Sheet Music

Merchants classified with this MCC sell musical

instruments, sheet music, keyboards, instruction

books, pianos, guitars and related supplies and

equipment and may also offer music instruction.

Guitar Stores

Instruments – Musical

Pianos

5732 – Electronics Stores

5735 – Record Stores

8299 – Schools and Educational

Services (Not Elsewhere Classified)

5734

Computer Software Stores

Merchants classified with this MCC sell computer

software programs for business and personal use and

5732 – Electronics Stores

7372 – Computer Programming, Data

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

may also sell or lease computer hardware or other

related products. Merchants that sell applications for

mobile devices should use MCC 5817.

Processing, and Integrated Systems

Design Services

7379 – Computer Maintenance,

Repair and Services (Not Elsewhere

Classified)

5735

Record Stores

Merchants classified with this MCC sell records,

compact discs (CDs), and cassettes, and may also

rent video tapes.

CD, Cassette, Record

Stores

Compact Disc, Cassette,

Record Stores

Music Stores –

Prerecorded Records,

CDs, Cassettes

Record, CD, Cassette

Stores

Used Record/CD Stores

7841 – DVD/Video Tape Rental

Stores

5815 – Digital Goods Media – Books,

Movies, Music

5811

Caterers

Merchants classified with this MCC contract with

consumers to prepare and deliver (typically to a

specified location) food and drinks for immediate

consumption and may also provide clean-up services,

tables, serving equipment, decorations, and

personnel for on-site serving and cleanup.

Food Preparation –

Catering

5812 – Eating Places and

Restaurants

5812

Eating Places and Restaurants

Merchants classified with this MCC prepare food and

drinks for immediate consumption, typically on the

Merchant’s premises. These Merchants typically

provide table service and may include alcoholic

beverages on the menu. This MCC includes food

delivery for Merchants qualifying for this MCC.

Cafes, Restaurants

Cafeterias

Diners – Eating

Establishments

Restaurants

Soda Fountains

5462 – Bakeries

5499 – Miscellaneous Food Stores –

Convenience Stores and Specialty

Markets

5813 – Drinking Places (Alcoholic

Beverages) – Bars, Taverns,

Nightclubs, Cocktail Lounges, and

Discotheques

5814 – Fast Food Restaurants

5813

Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques

Merchants classified with this MCC sell alcoholic

beverages such as wine, beer, mixed drinks, and

other liquors and beverages for consumption on the

premises.

Drinking Establishments

Beer Parlors

Breweries, Bars

Comedy Clubs

Lounges

Micro-breweries

Pubs

Saloons

Tap Rooms

Wine Bars

5812 – Eating Places and

Restaurants

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

5814

Fast Food Restaurants

Merchants classified with this MCC sell prepared food

and beverages for consumption either on the

premises or packaged for carry-out. Orders are

typically made and paid for at a counter, kiosk or

drive-through window. This MCC includes food

delivery for Merchants qualifying for this MCC.

Quick Service Restaurants

Vending Machines – Food

Sandwich Shops

Ice Cream Shops

Coffee Shops

Yogurt Shops

Pretzel Stands

5812 – Eating Places and

Restaurants

5499 – Miscellaneous Food Stores –

Convenience Stores and Specialty

Markets

5815

Digital Goods Media – Books, Movies, Digital artwork/images, Music

Merchants classified with this MCC sell books,

movies, digital artwork/images or music that is

delivered in electronic format.

Merchants offering online streaming of digital media

content on a subscription basis should use MCC 4899

5192 – Books, Periodicals,

Newspapers

7832 – Movie Theaters, Motion

Picture Theaters

5735 – Record Stores

5818 – Digital Goods – Large Digital

Goods Merchant

4899 – Cable, Satellite and Other

Pay Television/Radio/Streaming

Services

5816

Digital Goods – Games

Merchants classified with this MCC sell games

(including games of skill but excluding games of

chance) that are delivered in electronic format.

Fantasy Sports (in

jurisdictions where they

not considered gambling)

7993 – Video Amusement Game

Supplies

7994 – Video Game

Arcades/Establishments

7995 – Betting, including Lottery

Tickets, Casino Gaming Chips, Off-

Track Betting, and Wagers at Race

Tracks and games of chance to win

prizes of monetary value

7800 – Gambling – Government-

Owned Lotteries

7801 – Gambling – Government-

Licensed On-Line Casinos

7802 – Gambling – Government-

Licensed Horse/Dog Racing

5817

Digital Goods – Applications (Excludes Games)

Merchants classified with this MCC sell applications

or software (excludes games) that are delivered in

electronic format.

5734 – Software – Computer:

Computer Software Stores

5045 – Software – Computer:

Computers and Computer

Peripheral Equipment and Software

5816 – Digital Goods – Games

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

5818

Digital Goods – Large Digital Goods Merchant

All regions (excluding Europe):

Merchants classified with this MCC are large-volume

Merchants that sell digital goods (goods delivered

via electronic format) with a minimum threshold of

25 million transactions annually.

Europe region only:

Merchants classified with this MCC are digital goods

Merchants that are categorized as PCI DSS Level 1,

as they process over 6 million Visa transactions

annually.

5912

Drug Stores and Pharmacies

Merchants classified with this MCC sell prescription

and proprietary drugs

Medicine – Prescription,

Pharmacies

Prescription Medication

5499 – Miscellaneous Food Stores –

Convenience Stores and Specialty

Markets

5122 – Drugs, Drug Proprietaries,

and Druggist Sundries

5921

Package Stores – Beer, Wine, and Liquor

Merchants classified with this MCC sell packaged

alcoholic beverages such as beer, wine, and liquor for

consumption off the premises and may also sell a

limited variety of food and snack items, newspapers

and magazines, and a limited selection of toiletries

and over-the-counter medicines.

Alcohol – Liquor Stores

5499 – Miscellaneous Food Stores –

Convenience Stores and Specialty

Markets

5813 – Drinking Places (Alcoholic

Beverages) – Bars, Taverns,

Nightclubs, Cocktail Lounges, and

Discotheques

5931

Used Merchandise and Secondhand Stores

Merchants classified with this MCC sell used

merchandise or secondhand goods such as

accessories, shoes and clothing, furniture, books,

bicycles, musical instruments, sewing machines,

electronic equipment, appliances, and other

household items. Typically, the items for sale have

been donated or are on consignment.

Consignment Shops

Secondhand Stores

Thrift Stores

Vintage Clothing

5932 – Antique Shops – Sales,

Repairs, and Restoration Services

5933 – Pawn Shops

5932

Antique Shops – Sales, Repairs, and Restoration Services

Merchants classified with this MCC sell antiques such

as furniture, jewelry, cameras and photographic

equipment, tools, artwork, books, appliances and

other household items. This MCC does not include

retail sellers of antique automobiles.

Services – Antique

Restoration

5521 – Car and Truck Dealers (Used

Only) Sales, Service, Repairs, Parts,

and Leasing

7641 – Furniture – Reupholstery,

Repair, and Refinishing

5933

Pawn Shops

Merchants classified with this MCC lend money in

5931 – Used Merchandise and

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

exchange for personal property left with the

Merchants as security.

Secondhand Stores

5932 – Antique Shops – Sales,

Repairs, and Restoration Services

5935

Wrecking and Salvage Yards

Merchants classified with this MCC provide wrecking

and salvaging services.

Junk Yards

7549 – Towing Services

5937

Antique Reproductions

Merchants classified with this MCC sell antique

reproductions or facsimiles of clothing, furniture, rugs,

paintings and artwork, mirrors, glassware, jewelry,

and other household and personal items and may

also provide antique photograph reproduction and

restoration services.

5932 – Antique Shops – Sales,

Repairs, and Restoration Services

5940

Bicycle Shops – Sales and Service

Merchants classified with this MCC sell bicycles,

bicycle parts, and accessories (including a limited

variety of related sporting apparel) and may also

conduct repair work.

Mountain Bikes

Service – Bicycles

5941 – Sporting Goods Stores

7699 – Miscellaneous Repair Shops

and Related Services

7999 – Recreation Services (Not

Elsewhere Classified)

5941

Sporting Goods Stores

Merchants classified with this MCC sell sporting

goods, sports equipment, camping supplies, and

related parts and accessories, and may also rent or

repair equipment.

Backpacking Equipment

Bait, Tackle Stores

Billiard Tables – Sales

Camping Equipment

Cutlery – Sporting Knives

Exercise Equipment

Fishing – Equipment, Bait,

Tackle

Golf Equipment

Hiking Equipment

Hunting Equipment,

Supplies including Firearms

and Ammunition

In-Line Skates Shops

Pool Tables – Sales

Rollerblade Shops

Scuba, Skin Diving

Equipment

5099 Durable Goods (Not Elsewhere

Classified)

5999 Miscellaneous and Specialty

Retail Shops

5551 – Boat Dealers

5561 – Camper, Recreational and

Utility Trailer Dealers

5571 – Motorcycle Shops and Dealers

5598 – Snowmobile Dealers5940 –

Bicycle Shops – Sales and

Service

7699 – Miscellaneous Repair Shops

and Related Services

7999 – Recreation Services (Not

Elsewhere Classified)

Effective May 1, 2025, Acquirers must assign ISO's MCC 5723 to all retailers in California that meet the definition of a "firearms merchant" under California law.

Under the Visa Rules, each Member is responsible for complying with all applicable laws, including any laws regarding the assignment of MCCs. In the event of

any conflict between the Visa Rules and this Manual and any applicable laws or regulations, the requirements of the laws and regulations govern. For any

questions, please contact your Visa Client Services representative.

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

Skateboard Shops

Ski Shops

Skin Diving, Scuba

Equipment

Surfboards, Accessories

Trekking Equipment

Windsurf Boards,

Accessories

5942

Book Stores

Merchants classified with this MCC sell new and/or

used books, journals, magazines, textbooks, maps

and atlases, audio books, and calendars.

Paperbacks – Book Stores

Textbooks

5943 – Stationery Stores, Office and

School Supply Stores

5943

Stationery Stores, Office and School Supply Stores

Merchants classified with this MCC are retail sellers of

paper goods used in offices and schools, office and

school supplies,, and small office equipment and

furniture.

Office Supply Stores

School Supply Store

5732 – Electronics Stores

5734 – Computer Software Stores

5978 – Typewriter Stores – Sales,

Rentals, and Service

7394 – Equipment, Tool, Furniture,

and Appliance Rental and Leasing

5944

Jewelry Stores, Watches, Clocks, and Silverware Stores

Merchants classified with this MCC sell fine jewelry,

watches, clocks, and sterling silver and silver-plated

flatware and accessories, and may also repair fine

jewelry.

Clock Shop

Diamond Stores

Gems, Precious Metals,

Jewelry

Jewelry – Fine

Precious Gems, Metals,

Jewelry

Silversmiths

Silverware Stores

Watch Shops

5631 – Women’s Accessory and

Specialty Shops

5719 – Miscellaneous Home

Furnishing Specialty Stores

5932 – Antique Shops – Sales,

Repairs, and Restoration Services

5933 – Pawn Shops

5947 – Gift, Card, Novelty and

Souvenir Shops

5950 – Glassware/Crystal Stores

5972 – Stamp and Coin Stores

7699 – Miscellaneous Repair Shops

and Related Services

5945

Hobby, Toy, and Game Shops

Merchants classified with this MCC sell toys and

games and may also sell a limited selection of do-it-

yourself craft or hobby kits.

Games Stores

Hobby Shops

Toy Stores

Toy, Game Shops

5970 – Artist’s Supply and Craft

Shops

5946

Camera and Photographic Supply Stores

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

Merchants classified with this MCC sell cameras, film,

video equipment, printers, and other photographic

equipment and supplies, and may provide

photo/video processing services.

Camcorders,

Photographic Equipment

Equipment –

Photographic Supply

Stores

Photography Supply Stores

Supplies – Photographic

Video Cameras,

Photographic Equipment

5732 – Electronics Stores

7395 – Photofinishing Laboratories

and Photo Developing

5947

Gift, Card, Novelty and Souvenir Shops

Merchants classified with this MCC sell gifts and

novelty items, greeting cards, balloons, souvenirs,

holiday decorations, stationery, wrapping paper and

bows, photo albums, and a limited selection of office

supplies.

Memorabilia, Souvenir

Shops

Novelty Shops

Souvenir, Memorabilia

Shops

5943 – Stationery Stores, Office and

School Supply Stores

5948

Luggage and Leather Goods Stores

Merchants classified with this MCC are retail sellers of

luggage, trunks, briefcases, leather backpacks,

wallets, purses, gloves, and other leather goods, and

may also sell a limited selection of leather apparel.

5999 – Miscellaneous and Specialty

Retail Stores

5949

Sewing, Needlework, Fabric and Piece Goods Stores

Merchants classified with this MCC are retail sellers of

fabric, patterns, yarn and other needlework/sewing

supplies, and may offer sewing classes or instruction.

Fabric Stores

Knitting Shops

Needlework Shops

Supplies – Sewing, Fabric,

Notions, Needlework,

Piece Goods

Yarn Shops

5970 – Artist’s Supply and Craft

Shops

8299 – Schools and Educational

Services (Not Elsewhere Classified)

5950

Glassware/Crystal Stores

Merchants classified with this MCC sell glassware,

china and crystal tableware, and glass, china or

crystal gift items.

China, Crystal Stores

Crystal Stores

Cut Glass, Crystal

5719 – Miscellaneous Home

Furnishing Specialty Stores

5960

Direct Marketing – Insurance Services

Merchants classified with this MCC sell insurance via

direct mail, billing statement stuffers, and magazine or

television ads, all of which include either a toll-free

telephone number or an address to which prospective

customers may respond.

Automobile Insurance –

Sales (Direct Marketing)

Insurance Services –

Direct Marketing

Services – Insurance,

Direct Marketing

6300 – Insurance Sales, Underwriting,

and Premiums

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

5962

Direct Marketing – Travel-Related Arrangement Services

Merchants classified with this MCC sell travel-related

services (including discount travel clubs or

newsletters) via outbound telemarketing calls,

mailings, magazine or television ads, or other direct

marketing methods that include either a toll-free

telephone number or an address to which prospective

customers may respond.

Services – Direct

Marketing Travel-

Related Arrangement

Services

Telemarketing Travel-

Related Arrangement

Services (Excluding

Travel Agencies)

Travel Clubs (Direct

Marketing)

Travel-Related

Arrangement Services-

Direct Marketing

4722 – Travel Agencies and Tour

Operators

4789 – Transportation Services (Not

Elsewhere Classified)

5963

Door-To-Door Sales

Merchants classified with this MCC sell a variety of

products by means of house-to-house visits.

5964

Direct Marketing – Catalog Merchant

Merchants classified with this MCC sell a variety of

goods via catalogs and offer no means by which

customers may purchase products in a face-to-face

manner.

5965 – Direct Marketing –

Combination Catalog and Retail

Merchant

5965

Direct Marketing – Combination Catalog and Retail Merchant

Merchants classified with this MCC sell a variety of

goods via catalog and one or more retail outlets. MCC

5965 is used for goods sold via catalog, while the

MCC relevant to what is sold in the retail outlets is

used for goods sold in the retail outlets.

5964 – Direct Marketing – Catalog

Merchant

5966

Direct Marketing – Outbound Telemarketing Merchant

Merchants classified with this MCC sell a variety of

products using outbound telemarketing methods,

where the Merchant initiates contact with prospective

buyers via telephone or mailing (other than a catalog)

that instructs the cardholder to contact the Merchant.

This MCC excludes charitable organizations that

conduct outbound telemarketing.

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

5967

Direct Marketing – Inbound Teleservices Merchant

Merchants classified with this MCC sell information or

content services (or goods sold through the service)

that customers access via telephone or fax or over

the internet.

Adult Content and services

including, but not limited to,

website subscriptions, video

streaming and audio-text

Digital Adult Content

Merchants

4816 – Computer Network Information

Services

5968

Direct Marketing – Continuity/Subscription Merchant

Merchants classified with this MCC sell subscription

products for delivery (such as book clubs,

collectibles, magazines/newspapers cosmetics,

food, clothing, “nutraceuticals”) via “direct” mail,

email. apps, or salespeople. Merchants not

participating in direct marketing activities that

happen to offer recurring purchase transactions

should use the MCC that best describes their

business instead. For example, Merchants providing

the ongoing delivery of television/radio/streaming

content on a subscription basis must use MCC 4899

Qualified Merchants that “directly” sell subscriptions

for digital goods or content may use MCC 5815,

5816, 5817, or 5818.

Magazine Subscription

(Direct Mail Only)

Direct Mail Merchants

4900 – Utilities – Electric, Gas,

Water, Sanitary

5621 – Women’s Ready-to-Wear

Stores

5499 – Miscellaneous Food Stores –

Convenience Stores and Specialty

Markets

5969 – Direct Marketing – Other

Direct Marketers (Not Elsewhere

Classified)

5977 – Cosmetic Stores

6300 – Insurance Sales Underwriting

and Premiums

7997 – Membership Clubs (Sports,

Recreation, Athletic), Country Clubs,

and Private Golf Courses

5969

Direct Marketing – Other Direct Marketers (Not Elsewhere Classified)

Merchants classified with this MCC sell products or

services through a variety of direct response methods

that include an order form or an address and/or

telephone number the customer may use to place an

order by mail, telephone, or fax and that are not

classified with a more specific MCC.

Classified Ads –

Newspaper (Via Direct

Marketing)

Ticket Agencies –

Direct Marketing

7922 – Theatrical Producers (Except

Motion Pictures) and Ticket

Agencies

5970

Artist’s Supply and Craft Shops

Merchants classified with this MCC sell art and craft

materials, equipment and supplies used to create

other items.

Supplies – Art, Crafts

5945 – Hobby, Toy, and Game Shops

5949 – Sewing, Needlework, Fabric

and Piece Goods Stores

5971

Art Dealers and Galleries

Merchants classified with this MCC sell artwork such

as paintings, photographs, or sculpture.

5970 – Artist’s Supply and Craft

Shops

7333 – Commercial Photography, Art,

and Graphics

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

5972

Stamp and Coin Stores

Merchants classified with this MCC sell postage

stamps and coins, and related accessories for the

purpose of stamp collecting, coin collecting or

investment.

Numismatic Supplies

Philatelic Supplies

Stamp Collecting

Supplies – Numismatic,

Philatelic

7399 – Business Services (Not

Elsewhere Classified)

9402 – Postal Services – Government

Only

5973

Religious Goods Stores

Merchants classified with this MCC sell religious

goods such as figurines, cards, devotion supplies,

pictures, books, and decorative items.

5942 – Book Stores

5975

Hearing Aids – Sales, Service, and Supply

Merchants classified with this MCC sell hearing aids

and related supplies and may also conduct repair

work.

Repairs – Hearing Aids,

Sales, Service, Supply,

Stores

Service – Hearing Aids,

Supplies

Supplies – Hearing Aids,

Service, Supplies

7699 – Miscellaneous Repair Shops

and Related Services

5976

Orthopedic Goods – Prosthetic Devices

Merchants classified with this MCC sell a variety of

prosthetic devices and orthopedic goods and

accessories and may also conduct repair work.

Orthotics, Prosthetic,

Devices

Prosthetic Devices

7699 – Miscellaneous Repair Shops

and Related Services

5977

Cosmetic Stores

Merchants classified with

this MCC sell cosmetics.

Make-Up Stores

5999 – Miscellaneous and Specialty

Retail Stores

7230 – Beauty and Barber Shops

5978

Typewriter Stores – Sales, Rentals, and Service

Merchants classified with this MCC sell, rent, or lease

typewriters, may also sell a limited selection of office

supplies and equipment, and may also conduct repair

work.

5943 – Stationery Stores, Office and

School Supply Stores

5999 – Miscellaneous and Specialty

Retail Stores

7699 – Miscellaneous Repair Shops

and Related Services

5983

Fuel Dealers – Fuel Oil, Wood, Coal, and Liquefied Petroleum

Merchants classified with this MCC sell fuel oil, wood,

coal, liquefied petroleum, aviation fuel, heating oil or

gas propane for consumer use, and may also sell fuel

for consumer use in automobiles.

Aviation Fuel

Coal Dealers

Dealers – Fuel Dealers,

Fuel Oil, Wood, Coal,

Liquefied Petroleum

Home Heating Fuel Dealers

5541 – Service Stations (With or

Without Ancillary Services)

5542 – Automated Fuel Dispensers

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

Liquefied Petroleum

Dealers

Oil Dealers

Propane Dealers

Wood Dealers

5992

Florists

Merchants classified with this MCC sell cut flowers,

flower arrangements, and potted plants, and may also

sell novelty items.

Balloon Bouquets

Flower Shops

Plant Store

5261 – Nurseries and Lawn and

Garden Supply Stores

5993

Cigar Stores and Stands

Merchants classified with this MCC sell tobacco,

cigarettes, electronic cigarettes, cigars, pipes, and

smokers’ supplies.

Pipe Shops

Smoke Shops

Tobacco Shops

5999 – Miscellaneous and Specialty

Retail Stores

5994

News Dealers and Newsstands

Merchants classified with this MCC sell newspapers,

magazines, journals, and other periodicals.

Dealers – Newspapers

Magazines (Newsstands)

Newspapers

Periodicals (Newsstands)

5942 – Book Stores

5999 – Miscellaneous and Specialty

Retail Stores

5995

Pet Shops, Pet Foods and Supplies Stores

Merchants classified with this MCC sell domestic

pets, pet food, and pet supplies.

Animals

5999 – Miscellaneous and Specialty

Retail Stores

5996

Swimming Pools – Sales and Service

Merchants classified with this MCC sell home

swimming pools, spas, hot tubs, whirlpool baths, and

supplies, and may also provide installation and/or

repair services.

Hot Tubs, Spas – Sales,

Service, Supplies

Services – Hot Tubs, Spas,

Sales, Service, Supplies

Services – Swimming

Pools, Sales, Service,

Supplies

Supplies – Hot Tubs, Spas

Supplies – Swimming Pools

1799 – Special Trade Contractors

(Not Elsewhere Classified)

7699 – Miscellaneous Repair Shops

and Related Services

5997

Electric Razor Stores – Sales and Service

Merchants classified with this MCC sell electric razors

and may also provide repair services.

5999 – Miscellaneous and Specialty

Retail Stores

7699 – Miscellaneous Repair Shops

and Related Services

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

5998

Tent and Awning Shops

Merchants classified with this MCC sell tents and

awnings for home or business use and may also

provide repair services.

Awnings – Residential,

Commercial

5941 – Sporting Goods Stores

5999 – Miscellaneous and Specialty

Retail Stores

7699 – Miscellaneous Repair Shops

and Related Services

5999

Miscellaneous and Specialty Retail Shops

Merchants classified with this MCC sell unique or

specialized products that are not classified with a

more specific MCC.

Ammunition Stores

Atlas, Map Stores

Beauty Supply Stores

Bottled and Distilled

Water Dealers

Collectibles,

Memorabilia Stores-

Sports and Hobby

Dealers – Ice

Firearms, Ammunition

Stores

Fireworks Stores

Frame Shops –

Photograph, Poster

Gravestones,

Monuments – Sales,

Installation

Headstones, Monuments

Ice Dealers

Magic Shops

Map, Atlas Stores

Monuments,

Gravestones – Sales,

Installation

Party Supply Stores

Picture Frames, Framing

Shops

Specialty Retail Stores –

Miscellaneous

Sunglasses Stores

Supplies – Beauty Supply

Stores

Supplies – Party

Tombstones – Sales,

Installation

Trophy Sales

4468 – Marinas, Marine Service,

and Supplies

5099 - Durable Goods (Not Elsewhere

Classified)

5499 – Miscellaneous Food Stores

5719 – Miscellaneous Home

Furnishing Specialty Stores

5732 – Electronics Stores

5940 – Bicycle Shops – Sales and

Service

5941 – Sporting Goods Stores

5948 – Luggage and Leather

Goods Stores

5993 – Cigar Stores and Stands

5995 – Pet Shops, Pet Foods and

Supplies Stores

5998 – Tent and Awning Shops

7230 – Beauty and Barber Shops

7395 – Photofinishing Laboratories

and Photo Developing

7699 – Miscellaneous Repair Shops

and Related Services

7841 – DVD/Video Tape Rental

Stores

7999 – Recreation Services

(Not Elsewhere Classified)

Effective May 1, 2025, Acquirers must assign ISO's MCC 5723 to all retailers in California that meet the definition of a "firearms merchant" under California law.

Under the Visa Rules, each Member is responsible for complying with all applicable laws, including any laws regarding the assignment of MCCs. In the event of

any conflict between the Visa Rules and this Manual and any applicable laws or regulations, the requirements of the laws and regulations govern. For any

questions, please contact your Visa Client Services representative.

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

6010

Financial Institutions – Manual Cash Disbursements

This MCC must be used for face-to-face cash

disbursements.

Banks – Financial

Institutions – Manual

Cash Disbursements

Cash – Banks, Credit

Unions, Financial

Institutions

Credit Unions – Financial

Institutions – Manual

Cash Disbursements

Deposits – Financial

Institutions

Manual Cash

Disbursements

Savings and Loans –

Financial Institutions –

Manual Cash

Disbursements

Travelers Cheques

(Financial Institutions)

Cash

6011 – Financial Institutions –

Automated Cash Disbursements

6012 – Financial Institutions –

Merchandise, Services, and Debt

Repayment

6051 – Non-Financial Institutions –

Foreign Currency, Liquid and

Cryptocurrency Assets (for example:

Cryptocurrency), Money Orders (Not

Money Transfer), Account Funding

(not Stored Value Load), Travelers

Cheques, and Debt Repayment

6011

Financial Institutions – Automated Cash Disbursements

This MCC must be used only for cash disbursements

at automated teller machines (ATMs) owned, leased,

controlled, or sponsored by banks, savings and loans,

thrifts, and credit unions.

ATM Cash –

Disbursements

Cash - ATM

6010 – Financial Institutions – Manual

Cash Disbursements

6051 – Non-Financial Institutions –

Foreign Currency, Liquid and

Cryptocurrency Assets (for example:

Cryptocurrency), Money Orders (Not

Money Transfer), Account Funding

(not Stored Value Load), Travelers

Cheques, and Debt Repayment

6012

Financial Institutions – Merchandise, Services, and Debt Repayment

This MCC must be used by Financial Institutions for

the purchase of merchandise or services or the

repayment of loans & debts. “Financial Institution”

includes banks, savings and loans, thrifts, and credit

unions. For example: the purchase of checks, other

financial products, or promotional merchandise,

deposits, the funding of an account, the purchase or

reload of a stored value card, the purchase of foreign

currency, Liquid and Cryptocurrency Assets (for

example: cryptocurrency), money orders (a

negotiable paper-based remittance – not a Money

Transfer), travelers cheques, and loan fees or

financial counseling service fees. This MCC must also

be used for the repayment of a debt, loan, or credit

card balance by a cardholder to the financial

institution.

Account Funding –

Financial Institution

Banks – Financial

Institutions –

Merchandise, Services

Credit Unions – Financial

Institutions –

Merchandise, Services

Deposits – Financial

Institutions

Merchandise, Services –

Financial Institutions

Mortgage Companies –

Financial Institutions

Purchase of Foreign

currency Liquid and

6010 – Financial Institutions – Manual

Cash Disbursements

6011 – Financial Institutions –

Automated Cash Disbursements

6211 – Security Brokers/Dealers

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

A Financial Institution that sells Liquid and

Cryptocurrency Assets such as cryptocurrency must

include all required data in the authorization request

and clearing record.

Cryptocurrency Assets

(for example,

cryptocurrency), money

orders (Not Money

Transfer) and Travelers

Cheques – Financial

Institution

Loan Payments –

Financial Institution

Savings and Loans –

Financial Institutions –

Merchandise, Services

Services – Banks, Credit

Unions, Financial

Institutions (Non-Cash)

Stored Value Card

6051

Non-Financial Institutions – Foreign Currency,

Liquid and Cryptocurrency Assets (for example: Cryptocurrency), Money

Orders (Not Money Transfer), Account Funding (not Stored Value Load), Travelers Cheques, and Debt Repayment

This MCC must be used for the funding of an account

(excluding prepaid card loads), the purchase of

foreign currency, Liquid and Cryptocurrency Assets

(for example: cryptocurrency), money orders, or

travelers cheques that occurs at non-Financial

Institutions such as currency exchanges or money

order (a negotiable paper-based remittance – not a

Money Transfer) Merchants.

This MCC must also be used for the repayment of a

loan or debt if the entity that holds the debt is not a

financial institution.

A Merchant that sells Liquid and Cryptocurrency

Assets such as cryptocurrency must include all

required data in the authorization request and clearing

record. All other transactions at the same Merchant

location must use the appropriate MCC for those

transactions.

Account Funding –

(Non-Financial Institutions)

Currency –Liquid and

Cryptocurrency Assets

Cryptocurrency)

Currency – Foreign (Non-

Financial Institutions)

Exchange – Foreign

Currency (Non-Financial

Institutions)

Foreign Currency (Non-

Financial Institutions)

Lease Payments

Loan Payments

Money – Foreign Currency

(Non-Financial Institutions)

Money Orders – Not Money

Transfer (Non-Financial

Institutions)

Mortgage Companies

– (Non-Financial

Institutions)

Services – Money Order,

Traveler’s Cheques,

Foreign Exchange (Non-

Financial Institutions)

Traveler’s Cheques

(Financial Institutions)

Traveler’s Cheques

(Non-Financial Institutions)

6010 – Financial Institutions – Manual

Cash Disbursements

6012 – Financial Institutions –

Merchandise, Services, and Debt

Repayment

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

6211

Security Brokers/Dealers

Merchants classified with this MCC are licensed, in all

jurisdictions they sell into to buy, sell and broker

securities, stocks, bonds, commodities, and mutual

funds.

Bond Dealers

Brokers – Securities,

Mutual Funds, Stocks,

Commodities, Bonds

Commodity Dealers

Dealers – Securities,

Mutual Funds, Stocks,

Commodities, Bonds

Foreign Currency Purchase

Licensed Foreign Exchange

Trading

Binary Options

Investment Firms –

Dealers, Brokers

Mutual Funds Brokers

Stockbrokers

6010 – Financial Institutions – Manual

Cash Disbursements

6012 – Financial Institutions –

Merchandise, Services, and Debt

Repayment

6300

Insurance Sales, Underwriting, and Premiums

Merchants classified with this MCC sell personal or

business insurance policies such as automobile, life,

health, hospital, medical, and dental insurance,

homeowners’ and renters’ insurance, real estate title

insurance, pet health insurance and flood, fire, or

earthquake insurance.

Automobile Insurance –

Sales (Non-Direct

Marketing)

Health Insurance – Sales

Homeowners Insurance –

Sales

Life Insurance – Sales

Medical Insurance – Sales

Product Warranties

5960 – Direct Marketing – Insurance

Services

6513

Real Estate Agents and Managers

This MCC must be used for the payment of

management fees, rental commissions, rental

payments, and other payments at real estate agents,

brokers, and managers engaged in the rental and

management of residential and commercial

properties. This MCC should also be used for

payments of deposits for real estate purchases.

Short term rentals (of less than one month) must be

included in MCC 7011 Lodging – Hotels, Motels,

Resorts, Central Reservation Services (Not

Elsewhere Classified) or, if appropriate, the

Merchant’s MCC.

This MCC does not include mortgage loan payments

and real estate purchases. These transactions must

be identified with a more appropriate MCC such as

MCC 6012 Financial Institutions – Merchandise and

Services; MCC 1520 General Contractors; MCC 8111

Legal Services and Attorneys.

Apartment Rentals

Commercial Property

Rentals

Homeowner/Condo

Association Fees/Dues

Housing Rentals

Property Rentals

Real Estate Agents

Brokers, Managers –

Rentals

Rental Services –

Residential and

Commercial Properties

Residential Rentals

Service – Residential and

Commercial Properties

Rentals

6012 – Financial Institutions –

Merchandise, Services, and Debt

Repayment

7012 – Timeshares

7011 – Lodging – Hotels, Motels,

Resorts, Central Reservation

Systems (Not Elsewhere Classified)

8999 – Professional Services (Not

Elsewhere Classified)

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

6540

Non-Financial Institutions – Stored Value Card Purchase/Load

This MCC must be used by Merchants whose primary

business is the sale of and/or any subsequent reloads

of stored value cards/accounts (including Visa

Prepaid Cards) occurring at non-financial institutions.

This MCC is not applicable for use with Staged Digital

Wallet Operators (SDWO).

Account Funding – (Non-

Financial Institutions)

Stored Value Card/Load

(Non-Financial Institutions)

Stored Value Wallet/Load

(Non-Financial Institutions)

6012 – Financial Institutions –

Merchandise, Services, and Debt

Repayment

7011

Lodging – Hotels, Motels, Resorts, Central Reservation Services (Not Elsewhere Classified)

Merchants classified with this MCC are lodging

establishments or central reservation services that do

not have their own specific MCC.

MCC 7011 may include, bed and breakfast

establishments, resorts, cabins, cottages, hostels,

short-term property rentals less than 30 days in

length, and local inns.

Bed & Breakfast

Establishments

Central Reservation

Services

Hotels (Not Listed in

T&E Section)

Inns (Not Listed in

T&E Section)

Lodging Establishments

(Not Listed in T&E

Section)

Motels (Not Listed in

T&E Section)

Resorts (Not Listed in

T&E Section)

Services – Central

Reservation, Lodging

6513 – Real Estate Agents and

Managers

7012

Timeshares

Merchants classified with this MCC sell, lease, and

rent timeshares and arrange timeshare condominium

exchanges.

7011 – Lodging – Hotels, Motels,

Resorts, Central Reservation

Services (Not Elsewhere Classified)

7032

Sporting and Recreational Camps

Merchants classified with this MCC operate children’s

camps, recreational camps, and sporting camps.

Boys’ Camps

Camps – Boys’, Girls’

Camps – Sporting,

Recreational

Children’s Camps

Girls’ Camps

Recreational, Sporting

Camps

Nudist Camps

Dude Ranches

7033 – Trailer Parks and

Campgrounds

7999 – Recreation Services (Not

Elsewhere Classified)

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

7033

Trailer Parks and Campgrounds

Merchants classified with this MCC provide overnight

or short-term camp sites for recreational vehicles,

trailers, campers, or tents.

7032 – Sporting and Recreational

Camps

7999 – Recreation Services (Not

Elsewhere Classified)

7210

Laundry, Cleaning, and Garment Services

Merchants classified with this MCC operate steam or

other types of laundries or laundry services.

Diaper Services

Garment Services

Services – Laundry,

Cleaning, Garment

Services

7211 – Laundries – Family and

Commercial

7216 – Dry Cleaners

7211

Laundries – Family and Commercial

Merchants classified with this MCC provide coin-

operated or similar self-service washers and dryers

for general consumer use and may also offer laundry

services.

Laundromats

7210 – Laundry, Cleaning, and

Garment Services

7216 – Dry Cleaners

7216

Dry Cleaners

Merchants classified with this MCC perform dry

cleaning services for individuals or businesses and

may offer limited alteration services.

Services – Dry Cleaning

7210 – Laundry, Cleaning, and

Garment Services

7211 – Laundries – Family and

Commercial

7217

Carpet and Upholstery Cleaning

Merchants classified with this MCC clean carpets,

drapes, and upholstery.

Drapery Cleaning

7641 – Furniture – Reupholstery,

Repair, and Refinishing

7221

Photographic Studios

Merchants classified with this MCC perform still or

video portrait photography for the general public.

Photographers – Wedding

Portrait Studios

Wedding Photographers

7395 – Photofinishing Laboratories

and Photo Developing

7230

Beauty and Barber Shops

Merchants classified with this MCC provide personal

hair care services such as hair cutting, styling, and

coloring, and may also perform manicures and

pedicures and sell a limited selection of hair care

products.

Beauty Salons

Fingernail Salons

Hair Cutting

Hair Salon

Hair Styling

Hairdressers

Make-up Studios

Manicurists

Nail Salons

Salons – Hair, Beauty

Salons – Nail

7298 – Health and Beauty Spas

7299 – Miscellaneous Personal

Services (Not Elsewhere Classified)

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

7251

Shoe Repair Shops, Shoeshine Parlors, and Hat Cleaning Shops

Merchants classified with this MCC repair footwear

and provide shoe and hat cleaning and maintenance

services.

Hat Cleaning Shops

Shoeshine Shops, Stands

Repairs – Shoe Repair

Shops

7299 – Miscellaneous Personal

Services (Not Elsewhere Classified)

7699 – Miscellaneous Repair Shops

and Related Services

7261

Funeral Services and Crematories

Merchants classified with this MCC are mortuaries,

crematories, and funeral homes that provide burial

preparation services, conduct funerals, and provide

cremation services.

Mortuaries

Morticians

Undertakers

7299 – Miscellaneous Personal

Services (Not Elsewhere Classified)

7273

Dating Services

Merchants classified with this MCC provide dating

and escort services, including online services.

Escort Services

Services – Dating, Escort

Online Dating Services

7299 – Miscellaneous Personal

Services (Not Elsewhere Classified)

7276

Tax Preparation Services

Merchants classified with this MCC provide income

tax return preparation services but do not provide

auditing, accounting, or bookkeeping services.

Services – Tax Preparation

8931 – Accounting, Auditing, and

Bookkeeping Services

8999 – Professional Services (Not

Elsewhere Classified)

7277

Counseling Services – Debt, Marriage, and Personal

Merchants classified with this MCC provide a variety

of personal counseling services, such as debt and

financial counseling, marriage counseling, family

counseling, and alcohol and drug abuse counseling.

Alcohol, Drug Abuse

Counseling

Credit Counseling

Debt Counseling

Drug, Alcohol Abuse

Counseling

Family Counseling

Financial Counseling

Service

Marriage Counseling

Personal Counseling

Services – Counseling –

Debt, Marriage, Personal

Services – Financial

Counseling

7322 - Collection Agencies

8111 – Legal Services and Attorneys

8999 – Professional Services (Not

Elsewhere Classified)

7278

Buying and Shopping Services and Clubs

Merchants classified with this MCC act as an

intermediary to facilitate buying and shopping for

individuals or businesses on a fee basis.

Personal Shopper

Services –

Buying/Shopping

Services, Clubs

Shopping Services

7299 – Miscellaneous Personal

Services (Not Elsewhere Classified)

7399 – Business Services

(Not Elsewhere Classified)

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

7296

Clothing Rental – Costumes, Uniforms, Formal Wear

Merchants classified with this MCC rent costumes,

uniforms, formal wear, and other types of apparel and

related accessories.

Apparel – Clothing Rental

– Costumes, Formal

Wear, Uniforms

Costume Rental

Formal Wear Rental

Rentals – Clothing –

Costumes, Formal Wear,

Uniforms

Rentals – Costume

Rentals – Tuxedo, Formal

Wear

Rentals – Uniforms

Tuxedo, Formal Wear

Rentals

Uniforms Rental

5137– Men’s, Women’s, and

Children’s Uniforms and Commercial

Clothing

7299 – Miscellaneous Personal

Services (Not Elsewhere Classified)

7297

Massage Parlors

Merchants classified with this MCC specialize in

providing therapeutic massage services and may also

provide other personal services such as spa

treatments and rent saunas or hot tubs for customer

use.

7298 – Health and Beauty Spas

7299 – Miscellaneous Personal

Services (Not Elsewhere Classified)

7298

Health and Beauty Spas

Merchants classified with this MCC provide a variety

of personal or therapeutic services such as facials,

massages, mud baths, herbal wraps, tanning

treatments, whirlpools, steam baths, and hair and

makeup styling, and instructional classes.

Tanning Salons

7011 – Lodging – Hotel, Motels,

Resorts, Central Reservation

Services (Not Elsewhere Classified)

7297 – Massage Parlors

7299 – Miscellaneous Personal

Services (Not Elsewhere Classified)

7299

Miscellaneous Personal Services (Not Elsewhere Classified)

Merchants classified with this MCC provide personal

services that are not classified with a more specific

MCC.

Animal Boarding Services

Animal Breeders

Animal Grooming Services

Animal Training

Apartment Rental Services

Boarding Services – Animal

Body Piercing, Tattoo

Parlors

Breeders – Animals

Dog Grooming Services

Dog Training

Horse Boarding Services

7230 – Beauty and Barber Shops

7251 – Shoe Repair Shops, Shoe

Shine Parlors, and Hat Cleaning

Shops

7261 – Funeral Services and

Crematories

7273 – Dating Services

7276 – Tax Preparation Services ...

7277 – Counseling Services – Debt,

Marriage, and Personal

7278 – Buying and Shopping Services

and Clubs

7296 – Clothing Rental – Costumes,

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

Kennels – Animal

Pet Grooming Services

Services – Animal Boarding

Services – Stand-Alone

Tipping/Gratuities

Services – Miscellaneous

Other Services –

Miscellaneous

Personal Services – Pet

Grooming

Services – Water Filtration,

Purification,

Softening Treatments

Stables – Animal

Tattoo, Body Piercing

Parlors

Taxidermists

Wedding Chapels /

Planning

Uniforms, Formal Wear/

7297 – Massage Parlors

7298 – Health and Beauty Spas

7311

Advertising Services

Merchants classified with this MCC prepare

advertising (writing copy, artwork, graphics, and other

creative work) and place such advertising and/or

samples in periodicals, newspapers, radio and

television, on the internet, in the sky, or other

advertising media for clients on a contract or fee

basis.

Ad Agencies

Agencies – Advertising

Classified Ads –

Newspaper

Services – Advertising

8999 – Professional Services (Not

Elsewhere Classified)

7321

Consumer Credit Reporting Agencies

Merchants classified with this MCC provide consumer

credit reporting services such as credit investigation,

credit clearinghouses, and other related services.

For Merchants primarily engaged in collecting debts in

default owed to others or that were originally owed to

others, use MCC 7322

7322 - Collection Agencies

7399 – Business Services (Not

Elsewhere Classified)

7322

Collection Agencies

Merchants classified with the MCC collect payments

of overdue receivables under contract or collect

overdue receivables that they have purchased from a

third party.

6012 – Financial Institutions –

Merchandise, Services, and Debt

Repayment

6051 – Non-Financial Institutions –

Foreign CurrencyLiquid and

Cryptocurrency Assets (for example:

Cryptocurrency), Money Orders (Not

Money Transfer), Account Funding

(not Stored Value Load), Travelers

Cheques, and Debt Repayment

7321 – Consumer Credit Reporting

Agencies

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

7333

Commercial Photography, Art, and Graphics

Merchants classified with this MCC provide

commercial art or graphic design services for

advertising agencies, publishers, and other

businesses.

Commercial Artists

Film Production

Graphics – Commercial

Silk Screening

7221 – Photography Studios

8999 – Professional Services (Not

Elsewhere Classified)

7338

Quick Copy, Reproduction, and Blueprinting Services

Merchants classified with this MCC reproduce and

bind text, drawings, plans, maps, or other copy, by

blueprinting, photocopying, or other methods of

duplication.

Photocopying Services

Reproduction Services

Services – Quick Copy,

Reproduction

7395 – Photofinishing Laboratories

and Photo Developing

5943 – Stationery Stores, Office and

School Supply Stores

7339

Stenographic and Secretarial Support

Merchants classified with this MCC provide a range of

stenographic and secretarial services such as word

processing, typing, editing, letter writing, proofreading,

resume writing, and court reporting services.

Services – Word

Processing

Word Processing Services

7361 – Employment Agencies and

Temporary Help Services

7399 – Business Services (Not

Elsewhere Classified)

7342

Exterminating and Disinfecting Services

Merchants classified with this MCC provide pest

control, extermination, fumigation, and disinfection

services.

Exterminators

Pest Control

7349 – Cleaning, Maintenance, and

Janitorial Services

7349

Cleaning, Maintenance, and Janitorial Services

Merchants classified with this MCC provide cleaning

and maintenance services.

House Cleaning Services

Housekeeping Services

Maintenance Services

Services – Housekeeping

7342 – Exterminating and Disinfecting

Services

7361

Employment Agencies and Temporary Help Services

Merchants classified with this MCC provide

employment services for those seeing employees or

employment.

Temporary Employment

Agencies

7399 – Business Services (Not

Elsewhere Classified)

7372

Computer Programming, Data Processing, and Integrated Systems Design Services

Merchants classified with this MCC provide computer

programming services, systems design, website

design, data entry, and data processing services.

Computer Software Design

Systems Design –

Computer

5734 – Computer Software Stores

7379 – Computer Maintenance,

Repair and Services (Not Elsewhere

Classified)

7399 – Business Services (Not

Elsewhere Classified)

8999 – Professional Services (Not

Elsewhere Classified)

7375

Information Retrieval Services

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

Merchants classified with this MCC are business-to-

business or wholesale provisioners of online or

database information retrieval services.

7321 – Consumer Credit Reporting

Agencies21

7392 – Management, Consulting, and

Public Relations Services

7399 – Business Services (Not

Elsewhere Classified)

7379

Computer Maintenance, Repair and Services (Not Elsewhere Classified)

Merchants classified with this MCC provide computer-

related services such as computer consulting,

database development, computer maintenance and

repair, conversion services, and computer

requirements analysis.

5045 – Computers and Computer

Peripheral Equipment and Software

5732 – Electronics Stores

5734 – Computer Software Stores

7372 – Computer Programming,

Data Processing, and Integrated

Systems Design Services

7629 – Electrical and Small Appliance

Repair Shops

7392

Management, Consulting, and Public Relations Services

Merchants classified with this MCC perform a variety

of activities for private, nonprofit, and public

organizations, such as strategic and organizational

planning, financial planning and budgeting,

developing marketing objectives, information systems

planning, development of human resource policies,

and public relations services.

Consultants – Management

Consultants – Marketing

Consultants – Public

Relations

Consulting, Management

Services

Management Consultants

Marketing Consultants

Public Relations Services

Services – Management,

Consulting, Public

Relations

7399 – Business Services (Not

Elsewhere Classified)

8999 – Professional Services (Not

Elsewhere Classified)

7393

Detective Agencies, Protective Services, and Security Services, including Armored Cars, and Guard Dogs

Merchants classified with this MCC provide security

devices/systems and services such as security guard,

protective, and armored car services and investigative

services.

Alarm Systems, Services

Armored Cars

Burglar Alarm Companies

– Home/Business

Security

Fire Alarm Companies –

Home/Business Security

Guard Dogs

Home Security Systems

Private Investigators

Protective Services

Security Services,

Protective Services,

Detective Agencies

Security Systems

7399 – Business Services (Not

Elsewhere Classified)

8111 – Legal Services and Attorneys

8999 – Professional Services (Not

Elsewhere Classified)

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

Services – Armored Car

Services – Detective

Agencies

Services – Guard Dog

Services – Protective

Services – Security

Surveillance Systems,

Services

7394

Equipment, Tool, Furniture, and Appliance Rental and Leasing

Merchants classified with this MCC rent and lease

equipment, tools, furniture, appliances, and office

equipment, excluding typewriters.

Appliance Rental

Furniture Rental

Leasing Services –

Equipment

Rentals – Appliance

Rentals – Equipment

Rentals – Furniture

Rentals – Tools

Services – Equipment

Rental, Leasing

4457 – Boat Rentals and Leasing

5978 – Typewriter Stores – Sales

Rentals, and Service

7296 – Clothing Rental – Costumes,

Uniforms, Formal Wear

7513 – Truck and Utility Trailer

Rentals

7519 – Motor Home and Recreational

Vehicle Rentals

7841 – DVD/Video Tape Rental

Stores

7395

Photofinishing Laboratories and Photo Developing

Merchants classified with this MCC develop film,

make photographic prints and enlargements, and

provide custom services, and may also sell a limited

selection of photographic supplies and accessories.

Film Developing

5044 – Photographic, Photocopy,

Microfilm Equipment and Supplies

5946 – Camera and Photographic

Supply Stores

7221 – Photographic Studios

7333 – Commercial Photography,

Art, and Graphics

7399

Business Services (Not Elsewhere Classified)

Merchants classified with this MCC provide business

services that are not typically considered to be

“professions” and are not classified with a more

specific MCC.

Answering Services –

Telephone

Conference Management

Services

Convention Bureaus

Cosmetics Distributors

Event Planning and

Management

Keys – Locksmith

Language, Translation

Services

Locksmith

Mail, Packing Stores,

Services

Meeting Planning Services

4215 – Courier Services – Air and

Ground, and Freight Forwarders

7299 – Miscellaneous Personal

Services (Not Elsewhere Classified)

7311 – Advertising Services

7338 – Quick Copy, Reproduction,

and Blueprinting Services

7393 – Detective Agencies, Protective

Services, and Security Services,

including Armored Cars, and Guard

Dogs

7999 – Recreation Services (Not

Elsewhere Classified)

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

Message, Paging Services

Packing, Mailing Services

Paging, Message Service

Centers

Perfume Distributors

Postal Services – Non-

Government

Publishing Companies

Seminar Planning Services

Services – Telephone

Answering

Services – Trade Show

Arrangement

Services – Translation,

Language

Telephone Answering

Services

Tourist Information Bureaus

Trade Show Arrangement

Services

Translation Services

Video-Conferencing

Services

7512

Automobile Rental Agency

Merchants classified with this MCC are car rental

agencies that do not have designated unique MCCs.

This also includes car-sharing schemes (known as

“car-clubs” in the UK)

Car Rentals

7513 – Truck and Utility Trailer

Rentals

7519 – Motor Home and Recreational

Vehicle Rentals

7513

Truck and Utility Trailer Rentals

Merchants classified with this MCC provide short-term

rental or long-term leasing of trucks, vans, or utility

trailers.

Leasing Services – Trucks,

Utility Trailers

7394 – Equipment, Tool, Furniture,

and Appliance Rental and Leasing

7512 – Automobile Rental Agency

7519 – Motor Home and Recreational

Vehicle Rentals

7519

Motor Home and Recreational Vehicle Rentals

Merchants classified with this MCC rent motor homes,

RVs, campers, tent trailers, and other recreational

vehicles on daily, short-term, or extended-term basis.

4457 – Boat Rentals and Leasing

7513 – Truck and Utility Trailer

Rentals

7999 – Recreation Services (Not

Elsewhere Classified)

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

7523

Parking Lots, Parking Meters and Garages

Merchants classified with this MCC provide temporary

parking services for all modes of transportation,

usually on an hourly, daily, or monthly contract or fee

basis.

Parking Garages

7531

Automotive Body Repair Shops

Merchants classified with this MCC perform

automotive body repair work and may paint

automobiles in conjunction with body repair work.

Car Body Repair Shops

Auto Body Shops

7534 – Tire Retreading and Repair

Shops

7535 – Automotive Paint Shops .....

7538 – Automotive Service Shops

(Non-Dealer) 38

7534

Tire Retreading and Repair Shops

Merchants classified with this MCC sell, install, repair,

or retread old tires.

Car Tires – Retreads

Repairs – Tire Retreading,

Repair Shops

5532 – Automotive Tire Stores

7531 – Automotive Body Repair

Shops

7535 – Automotive Paint Shops .....

7538 – Automotive Service Shops

(Non-Dealer)

7535

Automotive Paint Shops

Merchants classified with this MCC paint, refinish, and

restore automobiles.

Car Paint Shops

7531 – Automotive Body Repair

Shops

7538 – Automotive Service Shops

(Non-Dealer)

7538

Automotive Service Shops (Non-Dealer)

Merchants classified with this MCC conduct

automotive repairs and general or specific services.

Automotive Glass Repair/

Replacement

Car Service Shops

Lube Stations – Quick Stop

Muffler Shops

Oil Changers – Lube

Stations

Repairs – Automotive

Service Shops

Tune-Up Shops –

Automotive

Wheel Alignment,

Balancing, Repair Service

– Automotive

5541 – Service Stations (with or

without Ancillary Services)

7531 – Automotive Body Repair

Shops

7534 – Tire Retreading and Repair

Shops

7535 – Automotive Paint Shops

7542 – Car Washes

7549 – Towing Services

7542

Car Washes

Merchants classified with this MCC wash, wax, and

polish automobiles or provide self-service facilities.

Auto Detailing

Automotive Cleaning,

Waxing

5541 – Service Stations (With or

Without Ancillary Services)

7538 – Automotive Service Shops

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

Cleaning, Polishing –

Automotive

(Non-Dealer)

7549

Towing Services

Merchants classified with this MCC provide vehicle

towing services.

5935 – Wrecking and Salvage

Yards

7622

Electronics Repair Shops

Merchants classified with this MCC repair electronics

(excluding appliances) such as radios, televisions,

stereo equipment, and computers.

Radio, Television, Stereo,

Electronics Repair Shops

Repairs – Radio,

Television, Stereo,

Electronics

Services – Television,

Radio, Stereo, Electronics

Stereo Repair Shops

Television Repair Shops

7629 – Electrical and Small Appliance

Repair Shops

7699 – Miscellaneous Repair Shops

and Related Services

7623

Air Conditioning and Refrigeration Repair Shops

Merchants classified with this MCC service and repair

household and commercial air conditioning and

refrigeration systems.

Refrigeration Repair Shops

Repairs – Air Conditioning,

Refrigeration Repair

Shops

7629 – Electrical and Small

Appliance Repair Shops

7699 – Miscellaneous Repair Shops

and Related Services

7629

Electrical and Small Appliance Repair Shops

Merchants classified with this MCC service and repair

household and commercial electrical components,

small appliances (such as microwaves, toaster ovens,

and toasters), and electrical office machines,

excluding typewriters.

Repairs – Office Machines

5978 – Typewriter Stores – Sales,

Rentals, and Service

7622 – Electronics Repair Shops ...

7623 – Air Conditioning and

Refrigeration Repair Shops

7699 – Miscellaneous Repair Shops

and Related Services

7631

Watch, Clock and Jewelry Repair

Merchants classified with this MCC clean and repair

all types of watches, clocks, and fine jewelry.

5944 – Jewelry Stores, Watches,

Clocks, and Silverware Stores

7641

Furniture – Reupholstery, Repair, and Refinishing

Merchants classified with this MCC reupholster,

repair, refinish, and restore furniture.

Furniture Repair,

Reupholstery

Refinishing – Furniture

Repair, Reupholstery

Repairs – Reupholstery,

Furniture Repair,

Furniture Refinishing

Services – Reupholstery,

5712 – Furniture, Home Furnishings

and Equipment Stores, Except

Appliances

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

Furniture Repair,

Furniture Refinishing

7692

Welding Services

Merchants classified with this MCC perform welding

services and repair.

Services – Welding Repair

1799 – Special Trade Contractors

(Not Elsewhere Classified)

7699

Miscellaneous Repair Shops and Related Services

Merchants classified with this MCC provide service

and repair work and are not classified with a more

specific MCC.

Chimney Cleaning Service

Furnace Cleaning Service

Machine Shops

Services – Chimney

Cleaning

Services – Furnace

Cleaning

Services – Large Appliance

Repair

Services – Bicycle Repair

Services – Orthopedic

Device Repair

7531 – Automotive Body Repair

Shops

7534 – Tire Retreading and Repair

Shops

7538 – Automotive Service Shops

(Non-Dealer)

7622 – Electronics Repair Shops

7623 – Air Conditioning and

Refrigeration Repair Shops

7629 – Electrical and Small

Appliance Repair Shops

7631 – Watch, Clock and Jewelry

Repair

7641 – Furniture – Reupholstery,

Repair, and Refinishing

7692 – Welding Services

7800

Government-Owned Lotteries (US Region only)

Merchants classified with this MCC are government-

owned lotteries in the US Region that are registered

with Visa to sell lottery tickets.

7801 – Government Licensed On-

Line Casinos (On-Line Gambling)

7801

Government Licensed On-Line Casinos (On-Line Gambling) (US Region only)

Merchants classified with this MCC are licensed by a

US government entity (and/or sanctioned and

regulated by applicable legislation) and registered

with Visa to sell virtual gambling chips or offer online

gambling.

7800 – Government-Owned Lotteries

7802

Government-Licensed Horse/Dog Racing (US Region only)

Merchants classified with this MCC are licensed by a

US government entity (and/or sanctioned and

regulated by applicable legislation) and registered

with Visa to sell on- or off-track wagers at horse- or

dog-racing facilities.

7829

Motion Picture and Video Tape Production and Distribution

Merchants classified with this MCC are business-to-

Distributor – Motion

7399 – Business Services (Not

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

business or wholesale producers and distributors of

educational and industrial films and videos for

exhibition and sale.

Picture, Video Tape

Production, Distribution

Educational, Training Film

Production

Film Production,

Distribution

Motion Picture, Video Tape

Production, Distribution

TV Commercial Production

Training, Educational Film

Production

Video Tape, Motion Picture

Production, Distribution

Elsewhere Classified)

7841 – DVD/Video Tape Rental

Stores

8999 – Professional Services (Not

Elsewhere Classified)

7832

Motion Picture Theaters

Merchants classified with this MCC operate movie

theaters and sell tickets and refreshments or sell

movie tickets online.

Cinemas

Entertainment – Movie

Theaters

Films – Movie Theaters

Movie Theaters

7841 – DVD/Video Tape Rental

Stores

7922 – Theatrical Producers (Except

Motion Pictures) and Ticket

Agencies

7841

DVD/Video Tape Rental Stores

Merchants classified with this MCC rent DVDs/video

tapes for personal use and may sell a limited

selection of used videos/DVDs and refreshments.

Rentals – DVD/Video

Tape Stores

7829 – Motion Picture and Video

Tape Production and Distribution

7911

Dance Halls, Studios and Schools

Merchants classified with this MCC operate dance

studios, schools, and public dance halls or ballrooms.

Ballet Schools

Ballroom Dance Instruction

Dance Schools

Schools – Ballroom Dance

Instruction

Studios – Dance

7922 – Theatrical Producers (Except

Motion Pictures) and Ticket

Agencies

7999 – Recreation Services (Not

Elsewhere Classified)

7922

Ticket Agencies and Theatrical Producers (Except Motion Pictures)

Merchants classified with this MCC operate live

theatrical productions (such as road companies and

summer theater groups) and services associated with

theatrical productions and concerts (such as casting

agencies, booking agencies, scenery, lighting, and

other equipment services, and theatrical ticket

agencies).

Agencies – Ticket,

Theatrical Producers

Performing Arts

Companies – Theatrical

Producers – Theatrical

Production Agencies –

Theatrical

Ticket Agencies

7832 – Motion Picture Theaters

7911 – Dance Halls, Studios and

Schools

7929 – Bands, Orchestras, and

Miscellaneous Entertainers (Not

Elsewhere Classified)

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

7929

Bands, Orchestras, and Miscellaneous Entertainers (Not Elsewhere Classified)

Merchants classified with this MCC provide

entertainment other than theatrical productions (such

as musicians, bands, orchestras, and other types of

entertainers such as comedians and magicians).

DJs

Dance Bands

Magicians

Music Bands

Musicians

7932

Billiard and Pool Establishments

Merchants classified with this MCC operate

establishments that rent the use of pool or billiard

tables and other games for entertainment.

Billiard Parlors

Snooker Parlors

7999 – Recreation Services (Not

Elsewhere Classified)

7933

Bowling Alleys

Merchants classified with this MCC operate bowling

alleys for entertainment.

5812 – Eating Places and

Restaurants

5813 – Drinking Places (Alcoholic

Beverages) – Bars, Taverns,

Nightclubs, Cocktail Lounges, and

Discotheques

7999 – Recreation Services (Not

Elsewhere Classified)

7941

Commercial Sports, Professional Sports Clubs, Athletic Fields, and Sports Promoters

Merchants classified with this MCC operate and

promote semiprofessional and professional athletic

clubs (such as baseball, basketball, football, hockey,

soccer), promote amateur and professional athletic

events, manage individual athletes, and manage

sports arenas and stadiums.

Arenas – Sports

Athletic Fields

Automotive Race Tracks

– Non-Participatory

Clubs – Professional Sports

Professional Sports Clubs

Promoters – Sporting

Events

Race Tracks – Entrance

Fee, Non-Betting

Transactions

Sports Promoters

Stadiums

7999 – Recreation Services (Not

Elsewhere Classified)

7991

Tourist Attractions and Exhibits

Merchants classified with this MCC operate a variety

of tourist attractions and exhibits for entertainment,

such as botanical gardens, craft shows, museums,

and wineries.

Arboretums

Art Museums

Botanical Gardens

Exhibits

Expositions

Gardens – Botanical

5971 – Art Dealers and Galleries

7996 – Amusement Parks, Circuses,

Carnivals, and Fortune Tellers

7998 – Aquariums, Seaquariums,

Dolphinariums, and Zoos

7999 – Recreation Services (Not

Elsewhere Classified)

Merchant Data Standards Manual Section 2: Merchant Category Code Listing

April 2024

VISA PUBLIC

MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

Museums

Wineries

7992

Public Golf Courses

Merchants classified with this MCC operate public golf

courses.

7997 – Membership Clubs (Sports,

Recreation, Athletic), Country

Clubs, and Private Golf Courses

7993

Video Amusement Game Supplies

Merchants classified with this MCC sell coin-operated

amusement machines such as video game machines,

jukeboxes, pinball machines, slot machines,

mechanical games, instant photograph booths, and

similar types of amusement equipment and game

supplies. Merchants that operate video and game

arcades for public use must be classified with MCC

7994 – Video Game Arcades/Establishments.

7994 – Video Game

Arcades/Establishments

7994

Video Game Arcades/Establishments

Merchants classified with this MCC operate arcades,

amusement machines (such as video game

machines, jukeboxes, pinball machines, mechanical

games, instant photograph booths, and similar types

of amusement equipment) and indoor playgrounds.

Social casinos not offering

any prizes of monetary

value

7993 – Video Amusement and Game

Supplies

7995 – Betting, including Lottery

Tickets, Casino Gaming Chips, Off-

Track Betting, Wagers at Race

Tracks

and games of chance to win

prizes of monetary value

7999 – Recreation Services (Not

Elsewhere Classified)

7995

Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, Wagers at Race Tracks

and games of chance to

win prizes of monetary value

Merchants classified with this MCC operate games

of chance to win prizes of monetary value or betting

establishments.

Merchants that are unable to distinguish a betting

transaction from other transactions, must identify all

transactions with MCC 7995.

Betting – Casino Gaming

Chips

Betting – Lottery Tickets

Betting – Off-Track

Betting – Wagers

Bingo Parlors

Raffle Tickets

Unlicensed Foreign

Exchange Trading or Binary

Options

Sweepstakes

7800 – Government-Owned Lottery

7801 – Government-Licensed On-

Line Casinos (On-Line Gambling)

7802 – Government-Licensed

Horse/Dog Racing

7996

Amusement Parks, Circuses, Carnivals, and Fortune Tellers

Merchants classified with this MCC operate circuses,

carnivals, and amusement and theme parks that offer

mechanical rides, snacks and food stands, games,

animal exhibits, and entertainment, as well as fortune-

telling, astrology, mystic, and tarot card-reading

County Fairs

Fairs

Mystics

Tarot Readings

7991 – Tourist Attractions and

Exhibits

7999 – Recreation Services (Not

Elsewhere Classified)

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MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

services.

State Fairs

7997

Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses

Merchants classified with this MCC operate sports

and recreation facilities that require membership such

as exercise, athletic and health clubs, country clubs,

private golf courses, boating and yacht clubs,

swimming clubs, tennis clubs, bowling leagues, riding

clubs, shooting and gun clubs, and racquetball clubs,

and may also provide spa services

Athletic Clubs – Physical

Fitness

Boating Clubs

Clubs – Boating

Clubs – Gun

Clubs – Racquetball

Clubs – Sailing

Clubs – Sports

Clubs – Tennis

Clubs – Yacht

Country Clubs

Exercise Clubs

Fitness Clubs

Golf Courses – Private

Gun Clubs

Health Clubs

Private Golf Courses

Racquetball Clubs

Sailing Clubs

Sports Clubs

Tennis Clubs

Yacht Clubs

7297 – Massage Parlors

7298 – Health and Beauty Spas

7992 – Public Golf Courses

7998

Aquariums, Seaquariums, Dolphinariums, and Zoos

Merchants classified with this MCC operate zoos or

sea life parks for entertainment and education for the

general public.

Sea Life Parks

7991 – Tourist Attractions and

Exhibits

7999

Recreation Services (Not Elsewhere Classified)

Merchants classified with this MCC provide a wide

variety of recreation and entertainment services that

require active physical participation and that are not

classified with a more specific MCC.

Aircraft Rentals

Ballooning

Batting Cages

Bicycle Rentals including

electric scooters

Fishing/Hunting Licenses

Games Instruction

Golf – Driving Ranges

Horseback Riding

Instruction – Games

Miniature Golf

Motorcycle Rentals

Parachuting

4457 – Boat Rentals and Leasing

7032 – Sporting and Recreational

Camps

7033 – Trailer Parks and

Campgrounds

7298 – Health and Beauty Spas

7519 – Motor Home and Recreational

Vehicle Rentals

7932 – Billiard and Pool

Establishments

7933 – Bowling Alleys

7941 – Commercial Sports,

Professional Sports Clubs, Athletic

Fields, and Sports Promoters

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MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

Pools – Public Swimming

Public Swimming Pools

Recreational Services –

Aircraft Rentals

Recreational Services –

Driving Ranges

Recreational Services –

Miniature Golf

Recreational Services –

Public Swimming Pools

Recreational Services –

Ski Slopes

Recreational Services –

Sport, Games Instruction

Rentals – Aircraft

Resorts – Miscellaneous

Resorts – Ski

Roller Skating Rinks

Services – Recreation

Shooting Ranges

Ski Slopes

Sky Diving

Sports Instruction

Swimming Pools – Public

7991 – Tourist Attractions and

Exhibits

7992 – Public Golf Courses

7994 – Video Game

Arcades/Establishments

7996 – Amusement Parks, Circuses,

Carnivals, and Fortune Tellers

7997 – Membership Clubs (Sports,

Recreation, Athletic), Country Clubs,

and Private Golf Courses

7998 – Aquariums, Seaquariums,

Dolphinariums, and Zoos

8011

Doctors and Physicians (Not Elsewhere Classified)

Merchants classified with this MCC are licensed

physicians engaged in a practice of general or

specialized medicine and surgery that is not classified

with a more specific MCC.

Cosmetic Surgeons

Dermatologists

Gynecologists

Medical Professionals –

Doctors

Neurologists

Obstetricians

Orthopedists

Pediatricians

Physicians

Plastic Surgeons

Psychiatrists

Radiologists

Surgeons

8021 – Dentists and Orthodontists

8031 – Osteopaths

8041 – Chiropractors

8042 – Optometrists and

Ophthalmologists

8043 – Opticians, Optical Goods,

and Eyeglasses

8049 – Podiatrists and

Chiropodists8099 – Medical Services

and Health

Practitioners (Not Elsewhere

Classified)

8021

Dentists and Orthodontists

Merchants classified with this MCC are licensed

physicians that practice general or specialized

dentistry such as dental surgery.

8011 – Doctors and Physicians (Not

Elsewhere Classified)

8099 – Medical Services and Health

Practitioners (Not Elsewhere

Classified)

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MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

8031

Osteopaths

Merchants classified with this MCC provide therapy

involving the non-surgical manipulation and

adjustment of bone structures.

8011 – Doctors and Physicians (Not

Elsewhere Classified)

8041 – Chiropractors

8099 – Medical Services and Health

Practitioners (Not Elsewhere

Classified)

8041

Chiropractors

Merchants classified with this MCC provide therapy in

which the spinal column and limbs are manipulated or

adjusted.

8011 – Doctors and Physicians (Not

Elsewhere Classified)

8031 – Osteopaths8099 – Medical

Services and Health

Practitioners (Not Elsewhere

Classified)

8042

Optometrists and Ophthalmologists

Merchants classified with this MCC are licensed

physicians that examine and treat eye defects with

corrective eyeglasses or contacts or surgical

techniques, treat eye diseases, and may fill contact or

eyeglass prescriptions and sell eyeglass frames.

Eye Doctors

8011 – Doctors and Physicians (Not

Elsewhere Classified)

8043 – Opticians, Optical Goods,

and Eyeglasses

8099 – Medical Services and Health

Practitioners (Not Elsewhere

Classified)

8043

Opticians, Optical Goods, and Eyeglasses

Merchants classified with this MCC perform eye

examinations, write prescriptions, make and sell

eyeglasses, and sell other optical goods.

Eyeglass Stores

8011 – Doctors and Physicians

(Not Elsewhere Classified)

8042 – Optometrists and

Ophthalmologists

8099 – Medical Services and Health

Practitioners (Not Elsewhere

Classified)

8049

Podiatrists and Chiropodists

Merchants classified with this MCC are licensed

physicians specializing in diagnosing and treating foot

ailments.

Doctors – Chiropodists,

Podiatrists

Foot Doctors

Medical Professionals –

Podiatrists

8011 – Doctors and Physicians (Not

Elsewhere Classified)

8099 – Medical Services and Health

Practitioners (Not Elsewhere

Classified)

8050

Nursing, Home Healthcare and Personal Care Facilities

Merchants classified with this MCC provide inpatient

nursing or health-related personal care services and

operate convalescent/nursing homes, hospice

facilities, offer care in home/residential environment

Convalescent Homes

Elder Housing

Hospice Facilities

8062 – Hospitals

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MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

and other long-term care facilities that generally do

not offer surgery.

Nursing Homes

Rest Homes

Elder Care

Skilled and Unskilled Home

Care

8062

Hospitals

Merchants classified with this MCC are hospitals that

provide diagnostic services, extensive medical

treatment, surgery, continuous nursing services,

mental and psychiatric care, and other hospital

services.

0742 – Veterinary Services

8050 – Nursing and Personal Care

Facilities

8071

Medical and Dental Laboratories

Merchants classified with this MCC provide medical

and dental laboratory services.

8011 – Doctors and Physicians (Not

Elsewhere Classified)

8021 – Dentists and Orthodontists

8099

Medical Services and Health Practitioners (Not Elsewhere Classified)

Merchants classified with this MCC are medical

professionals that are not classified with a more

specific MCC.

Blood Banks

Chemical Dependency

Treatment Centers

Fertility Clinics

Hair Replacements –

Surgical

Health Practitioners,

Medical Services

Hearing Testing Services

Massage – Therapeutic

Medical Professionals –

Medical Services, Health

Practitioners

Mental Health

Practitioners

Physical Therapists

Psychiatrists

Psychologists

Services – Medical

Services, Health

Practitioners

Sports Medicine Clinics

Therapists

8011 – Doctors and Physicians (Not

Elsewhere Classified)

8021 – Dentists and Orthodontists

8031 – Osteopaths

8041 – Chiropractors

8042 – Optometrists and

Ophthalmologists

8043 – Opticians, Optical Goods,

and Eyeglasses

8049 – Podiatrists and Chiropodists

8050 – Nursing and Personal Care

Facilities

8062 – Hospitals

8071 – Medical and Dental

Laboratories

8111

Legal Services and Attorneys

Merchants classified with this MCC are headed by

members of the bar and provide legal advice and

services.

Attorneys

Law Offices

Lawyers

7277 – Counseling Services – Debt,

Marriage, and Personal

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MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

8211

Elementary and Secondary Schools

Merchants classified with this MCC are elementary

and secondary schools that provide academic

instruction.

Grade Schools

Grammar Schools

High Schools

Middle Schools

Schools – Kindergartens

8220 – Colleges, Universities,

Professional Schools, and Junior

Colleges

8241 – Correspondence Schools

8244 – Business and Secretarial

Schools

8249 – Vocational and Trade Schools

8299 – Schools and Educational

Services (Not Elsewhere Classified)

8351 – Child Care Services

8220

Colleges, Universities, Professional Schools, and Junior Colleges

Merchants classified with this MCC are community

and junior colleges, universities, theological

seminaries and professional schools (such as dental,

law, engineering, medical) that provide academic

courses and grant academic degrees.

Community Colleges

Graduate Schools

8211 – Elementary and Secondary

Schools

8241 – Correspondence Schools

8244 – Business and Secretarial

Schools

8249 – Vocational and Trade

Schools

8299 – Schools and Educational

Services (Not Elsewhere Classified)

8241

Correspondence Schools

Merchants classified with this MCC are

correspondence schools that offer educational and

instruction through the mail/internet by sending

lessons and examinations to the student.

8299 – Schools and Educational

Services (Not Elsewhere Classified)

8244

Business and Secretarial Schools

Merchants classified with this MCC are business and

secretarial schools that offer general business training

such as, office procedures, word processing,

stenographic, and other clerical skills.

Computer Training

8249 – Vocational and Trade Schools

8299 – Schools and Educational

Services (Not Elsewhere Classified)

8249

Vocational and Trade Schools

Merchants classified with this MCC offer training and

instruction in specialized professions such as welding,

mechanics, carpentry, real estate, and truck driving.

Technical Institutes

8244 – Business and Secretarial

Schools

8299 – Schools and Educational

Services (Not Elsewhere Classified)

8241 – Correspondence Schools ...

8299

Schools and Educational Services (Not Elsewhere Classified)

Merchants classified with this MCC offer educational

courses and services that are not classified with a

more specific MCC.

Art Schools

Automobile Driving

Instruction

Aviation Instruction

7911 – Dance Halls, Studios and

Schools

8211 – Elementary and Secondary

Schools

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MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

Cooking Schools

Culinary Instruction

Driver Education Class,

School

Flying Instruction

Job Training Services

Karate Schools

Modeling Schools

Schools – Art

Schools – Automobile

Driving Instruction

Schools – Cooking

Schools – Flying Instruction

Schools – Karate

Schools – Modeling

Services – Job Training

Services – Schools,

Educational Services

Traffic School

8220 – Colleges, Universities,

Professional Schools, and Junior

Colleges

8241 – Correspondence Schools

8244 – Business and Secretarial

Schools

8249 – Vocational and Trade Schools

8351

Child Care Services

Merchants classified with this MCC provide care for

infants or children.

Babysitting Services

Children – Day Care

Services

Day Care Services

Nannies

Nursery Schools

Preschool Centers

Day Care Services

8299 – Schools and Educational

Services (Not Elsewhere Classified)

8398

Charitable Social Service Organizations

Merchants classified with this MCC are non-political

fund-raising organizations engaged in soliciting

charitable donations/contributions on behalf of

organizations engaged in social welfare services, or

social service organizations engaged in social welfare

services.

This MCC also includes crowd funding Merchants that

accept donations on behalf of individuals raising

money for various causes without receiving any

perceived or actual financial benefit for doing so.

Fund-Raising Organizations

– Non-Political

Organizations – Non-

Political

Public Radio, Television

Crowd Funding Merchants

5931 – Used Merchandise and

Secondhand Stores

8641 – Civic, Social, and Fraternal

Associations

8651 – Political Organizations

8661 – Religious Organizations

8675 – Automobile Associations

8699 – Membership

Organizations(Not Elsewhere

Classified)

8641

Civic, Social, and Fraternal Associations

Merchants classified with this MCC are associations

engaged in civic, social, or fraternal activities.

Alumni/Alumnae

Associations

Associations – Civic, Social,

Fraternal Associations

8398 – Charitable Social Service

Organizations

8651 – Political Organizations

8661 – Religious Organizations

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MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

Chambers of Commerce

Fraternal Associations

Fund-Raising – Political

Police Athletic Leagues

(PAL)

Social Associations, Clubs

Veterans’ Organizations

8675 – Automobile Associations

8699 – Membership Organizations

(Not Elsewhere Classified)

8651

Political Organizations

Merchants classified with this MCC are membership

organizations that promote the interests of or raise

funds for a national, state, or local political party or

candidate.

Political Fundraising

8398 – Charitable Social Service

Organizations

8641 – Civic, Social, and Fraternal

Associations

8661 – Religious Organizations

8675 – Automobile Associations

8699 – Membership Organizations

(Not Elsewhere Classified)

8661

Religious Organizations

Merchants classified with this MCC are religious

organizations that provide worship services, religious

training or study, or religious activities.

Chapels

Churches

Mosques

Synagogues

Temples

8398 – Charitable Social Service

Organizations

8641 – Civic, Social, and Fraternal

Associations

8699 – Membership Organizations

(Not Elsewhere Classified)

8675

Automobile Associations

Merchants classified with this MCC are automobile

associations and clubs that provide a variety of travel-

related services to its members.

Automobile Club

8699 – Membership Organizations

(Not Elsewhere Classified)

8699

Membership Organizations (Not Elsewhere Classified)

Merchants classified with this MCC are organizations

or associations that are not classified with a more

specific MCC.

Art Clubs

Historical Clubs

Labor Unions

Organizations –

Membership

Organizations

Poetry Clubs

Professional Organizations

Tenant Associations

Condominium Associations

HOAs

Unions – Labor

7997 – Membership Clubs (Sports,

Recreation, Athletic), Country Clubs,

and Private Golf Courses

8398 – Charitable Social Service

Organizations

8641 – Civic, Social, and Fraternal

Associations

8651 – Political Organizations

8661 – Religious Organizations

8675 – Automobile Associations

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MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

8734

Testing Laboratories (Non-Medical Testing)

Merchants classified with this MCC provide testing

services (such as automobile testing, calibration and

certification, food testing, forensic testing, product and

pollution testing, and industrial X-ray inspection

services).

Food Testing Services

Forensic Laboratories

Pollution Testing

Product Testing

Laboratories

Veterinary Testing

Laboratories

8071 – Medical and Dental

Laboratories

8911

Architectural, Engineering, and Surveying Services

Merchants classified with this MCC provide

professional architectural, home and building design,

boat design, and engineering, land, water, and aerial

surveying services.

1520 – General Contractors –

Residential and Commercial

1799 – Special Trade Contractors

(Not Elsewhere Classified)

8999 – Professional Services (Not

Elsewhere Classified)

8931

Accounting, Auditing, and Bookkeeping Services

Merchants classified with this MCC provide

accounting, bookkeeping, billing and payroll services,

and other related auditing services, and may also

provide income tax preparation services.

7276 – Tax Preparation Services

8111 – Legal Services and Attorneys

8999 – Professional Services

(Not Elsewhere Classified)

8999

Professional Services (Not Elsewhere Classified)

Merchants classified with this MCC provide

professional services that are not classified with a

more specific MCC.

Appraisers

Auction Houses

Brokers – Mortgage, Loan

Court Stenographer

Financial Planners

Graphic Designers

Guest Speakers, Lecturers

Lecturers

Market Research Firms

Mortgage Brokers

Property Appraisers

Public Speakers

Real Estate Appraisers

Research Firms

6211 – Security Brokers/Dealers

6300 – Insurance Sales, Underwriting,

and Premiums

7012 – Timeshares

7276 – Tax Preparation Services

7277 – Counseling Services – Debt,

Marriage, and Personal

7311 – Advertising Services

7321 – Consumer Credit Reporting

Agencies

7361 – Employment Agencies and

Temporary Help Services

7392 – Management, Consulting,

and Public Relations Services

7393 – Detective Agencies,

Protective Services, and Security

Services, including Armored Cars,

and Guard Dogs

8111 – Legal Services and Attorneys

8911 – Architectural, Engineering,

and Surveying Services

8931 – Accounting, Auditing, and

Bookkeeping Services

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MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

9211

Court Costs, Including Alimony and Child Support

Merchants classified with this MCC are local, state,

and federal courts of law that administer and process

court fees, alimony, and child support payments.

9222 – Fines

9399 – Government Services

(Not Elsewhere Classified)

9222

Fines

Merchants classified with this MCC are government

entities that administer and process local, state, and

federal fines and penalties, motor vehicle violations,

and community- or property-assessed fines.

Community Assessed

Penalties

Motor Vehicle Violations

9211 – Court Costs, Including

Alimony and Child Support

9399 – Government Services-

(Not Elsewhere Classified)

9223

Bail and Bond Payments

Merchants classified with this MCC post bail to the

court system as security for the appearance of the

arraigned individual.

9311

Tax Payments

Merchants classified with this MCC are local, state,

and federal entities that engage in financial

administration and taxation including collection of

taxes and penalties and custody and disbursement of

funds.

Customs Bureaus

9399 – Government Services (Not

Elsewhere Classified)

9399

Government Services (Not Elsewhere Classified)

Merchants classified with this MCC are government

entities that provide general support services to

government and communities are not classified with a

more specific MCC.

DMV

Department of Motor

Vehicles

Fire Departments

Libraries

Parks and Recreation

Police Departments

4784 – Tolls and Bridge Fees

7523 – Parking Lots, Parking Meters

and Garages

7992 – Public Golf Courses

9402

Postal Services – Government Only

Merchants classified with this MCC are government

postal offices that provide a variety of services such

as accepting and processing packages and mail for

delivery and selling postage stamps.

7399 – Business Services (Not

Elsewhere Classified).

9399– Government Services (Not

Elsewhere Classified)

9405

U.S. Federal Government Agencies or Departments

Merchants classified with this MCC process U.S.

federal government transactions using an acquiring

BIN associated with the Intra-Government Transfers

(IGOTS) program.

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MCC

MCC Title/

MCC Description

Included in this MCC

Similar Merchants

9406

Government-Owned Lotteries (Non-U.S. region)

Merchants classified with this MCC are government-

owned lotteries that sell lottery tickets

7800 – Government-Owned Lotteries

(US Region Only)

7995 – Betting, including Lottery

Tickets, Casino Gaming Chips, Off-

Track Betting, and Wages at Race

tracks

9702

Emergency Services (GCAS) (Visa use only)

This MCC is used only by Visa to enable members and

processors to identify emergency transactions from the

Global Customer Assistance Services (GCAS).

9950

Intra-Company Purchases

Merchants classified with this MCC process

purchasing card transactions representing internal

unit-to-unit transfers of goods and services.

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Section 3: New MCC or MCC Change Requests

To request a new MCC or changes to an existing MCC, members must submit to Visa a

completed Visa Merchant Category Code Request Form (..\visa-merchant-category-code-

request-form.pdf), which is also available on Visa Online. Visa will notify the member when

a decision is made. If approved, the new MCC will be included to a future edition of the Visa

Merchant Data Standards Manual.