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MCC Codes - Merchant Category Codes to use in ISO8583 Field 18

Posted on 18th Feb 2020 12708 views

ATM witdrawal uses 6011

MCC ranges:

MCCs 0001–1499(Agricultural Services)

MCCs 1500–2999 (Contracted Services)

MCCs 4000–4799 (Transportation Services)

MCCs 4800–4999 (Utility Services)

MCCs 5000–5599 (Retail Outlet Services)

MCCs 5600–5699 (Clothing Stores)

MCCs 5700–7299 (Miscellaneous Stores)

MCCs 7300–7999 (Business Services)

MCCs 8000–8999 (Professional Services and Membership Organizations)

MCCs 9000–9999 (Government Services)

MCCs 3000–3299 (Airlines)

MCCs 3300–3499 (Car Rental)

MCCs 3500–3999 (Lodging)

Full list below

MCC Codes (or merchant category codes) are assigned to merchant accounts during the set up process and are used to differentiate between types of business & industries. Each industry has different transaction patterns and differing levels of risk (potential for fraud). MCC codes are used by issuing bank to determine if they will except the transaction. For example online gambling is only permitted in the states of Delaware, New Jersey and Nevada. The code 7995 can be used to prevent transactions coming from states that don't allow online gaming.

MCC codes can also effect the merchants processing rates. An improper classification could cause a merchant to pay higher than necessary processing fees. The are approximately 500 different MCC Codes used by Visa and it is important for a merchant to make sure they are assigned to the appropriate code.

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