Merchant Category Codes (MCCs) are four-digit codes used in the payments industry to categorize businesses based on the products or services they offer. MCCs play a crucial role in transaction processing, risk management, rewards and benefits, as well as spending analysis.
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Originally developed for tax reporting purposes, Merchant Category Codes (MCCs) have evolved to become a fundamental element of payments processing. When a credit or debit card payment is made, the MCC associated with the merchant helps identify the type of business.
Role of Merchant Category Codes (MCCs) in Transactions Processing
Interchange Fee
Interchange rates are fees businesses pay to accept payments. By negotiating a portion of the interchange fee, you can earn revenue when cardholders use your card program. These rates, determined by the network, vary based on the Merchant Category Code (MCC). MCCs linked to lower-risk businesses generally have lower interchange rates, while higher-risk MCCs may result in higher rates. The MCC classification impacts the interchange revenue earned, with different categories generating varying fee levels. Understanding and leveraging MCCs can influence the amount of interchange revenue from card transactions.
Transaction Processing
Merchant Category Codes (MCCs) are of significant importance in the payments industry. They play a crucial role in transaction processing, ensuring that transactions are handled correctly. MCCs determine the appropriate fees, rewards, and potential restrictions associated with a specific merchant category, facilitating seamless payment processing.
Risk Management
In terms of risk management, MCCs assist in identifying potential fraudulent activities. By analyzing MCC information, financial institutions and card networks can detect suspicious transactions and implement additional security measures to protect against fraud, thereby safeguarding both businesses and consumers.
Rewards and Benefits
MCCs also have a direct impact on rewards and benefits offered by credit card issuers. By categorizing transactions based on MCCs, credit card companies can provide tailored rewards and benefits to cardholders. Let’s say you provide cardholders with a 5% cash back offer on groceries. In this case, whenever a transaction occurs with a business that has an MCC specifically assigned for grocery, you will receive a notification to provide that cash back reward.
Spending Analysis
Additionally, MCCs are instrumental in spending analysis. By classifying transactions based on MCCs, individuals and businesses can gain valuable insights into their expenditure patterns across different industries. This information helps with budgeting, financial planning, and identifying areas where expenses can be optimized, ultimately promoting better financial management.
Merchant Category Codes (MCCs) List
Different card networks and industry standards organizations use specific criteria to classify Merchant Category Codes (MCCs). They take into account factors like the type of business, its main activities, and industry rules. This classification system is important because it helps identify the type of business accurately during payment transactions.
Tabulated below is the list of MCCs for different business segments along with the below classifications:
- MCC – Allocated 4 digit unique merchant category code
- Description – by the type of goods or services provided.
- Payment Brand – To which they apply – Visa (V), Master (M) and Total Systems Services, Inc. (TSYS)
Government Services
MCC | Description | Payment Brand(s) |
9034 | I-Purchasing Pilot | TSYS |
9211 | Court Costs Including Alimony and Child Support | V, M |
9222 | Fines | V, M |
9223 | Bail and Bond Payments | V, M |
9311 | Tax Payments | V, M |
9399 | Government Services–Not Elsewhere Classified | V, M |
9401 | I-Purchasing Pilot | TSYS |
9402 | Postal Services–Government Only | V, M |
9405 | Intra-Government Purchases–Government Only | V, M |
9700 | Automated Referral Service | V |
9701 | Visa Credential Server | V |
9702 | GCAS Emergency Services | V |
9751 | UK Supermarkets, Electronic Hot File | TSYS |
9752 | UK Petrol Stations, Electronic Hot File | TSYS |
9754 | Gambling-Horse, Dog Racing, State Lottery | M |
9950 | Intra-Company Purchases | V,M |
Insurance
MCC | Description | Payment Brand(s) |
5960 | Direct Marketing Insurance Services | V, M |
6300 | Insurance Sales, Underwriting and Premiums | V, M |
6381 | Insurance–Premiums | TSYS |
Utility Services
MCC | Description | Payment Brand(s) |
4812 | Telecommunication Equipment Including Telephone Sales | V, M |
4813 | Key-Entry Telecom Merchant providing single local and long-distance phone calls using a central access number in a non-face-to-face environment using key entry | M |
4814 | Telecommunication Services including but not limited to prepaid phone services and recurring phone services | V, M |
4816 | Computer Network/Information Services | V, M |
4821 | Telegraph Services | V, M |
4829 | Wire Transfer Money Orders (V, D, G, X) Money Transfer (M) | V, M |
4899 | Cable, Satellite, and Other Pay Television and Radio Services | V, M |
4900 | Utilities–Electric, Gas, Heating Oil, Sanitary, Water | V, M |
Education
MCC | Description | Payment Brand(s) |
8211 | Schools, Elementary and Secondary | V, M |
8220 | Colleges, Universities, Professional Schools and Junior Colleges | V, M |
8241 | Schools, Correspondence | V, M |
8244 | Schools, Business and Secretarial | V, M |
8249 | Schools, Trade and Vocational | V, M |
8299 | Schools And Educational Services–Not Elsewhere Classified | V, M |
Clothing Stores
MCC | Description | Payment Brand(s) |
5611 | Men’s and Boys’ Clothing and Accessories Stores | V, M |
5621 | Women’s Ready to Wear Stores | V, M |
5631 | Women’s Accessory and Specialty Stores | V, M |
5641 | Children’s and Infants’ Wear Stores | V, M |
5651 | Family Clothing Stores | V, M |
5655 | Sports Apparel, and Riding Apparel Stores | V, M |
5661 | Shoe Stores | V, M |
5681 | Furriers and Fur Shops | V, M |
5691 | Men’s and Women’s Clothing Stores | V, M |
5697 | Alterations, Mending, Seamstresses, Tailors | V, M |
5698 | Wig and Toupee Shops | V, M |
5699 | Accessory and Apparel Stores–Miscellaneous | V, M |
Retail Outlet Services
MCC | Description | Payment Brand(s) |
5013 | Motor Vehicle Supplies and New Parts | V, M |
5021 | Office and Commercial Furniture | V, M |
5039 | Construction Materials Not Elsewhere Classified | V, M |
5044 | Office, Photographic, Photocopy and Microfilm Equipment | V, M |
5045 | Computers, Computer Peripheral Equipment, Software | V, M |
5046 | Commercial Equipment Not Elsewhere Classified | V, M |
5047 | Dental/Laboratory/Medical/Ophthalmic Hospital Equipment and Supplies | V, M |
5051 | Metal Service Centers and Offices | V, M |
5065 | Electrical Parts and Equipment | V, M |
5072 | Hardware Equipment and Supplies | V, M |
5074 | Plumbing and Heating Equipment | V, M |
5085 | Industrial Supplies Not Elsewhere Classified | V, M |
5094 | Precious Stones and Metals, Watches and Jewelry | V, M |
5099 | Durable Goods Not Elsewhere Classified | V, M |
5111 | Stationery, Office Supplies, Printing and Writing Paper | V, M |
5122 | Drugs, Drug Proprietors and Druggists Sundries | V, M |
5131 | Piece Goods, Notions, and Other Dry Goods | V, M |
5137 | Men’s, Women’s and Children’s Uniforms and Commercial Clothing | V, M |
5139 | Commercial Footware | V, M |
5169 | Chemicals and Allied Products Not Elsewhere Classified | V, M |
5172 | Petroleum and Petroleum Products | V, M |
5192 | Books, Periodicals and Newspapers | V, M |
5193 | Florists Supplies, Nursery Stock and Flowers | V, M |
5198 | Paints, Varnishes and Supplies | V, M |
5199 | Non-Durable Goods Not Elsewhere Classified | V, M |
5200 | Home Supply Warehouse Stores | V, M |
5211 | Building Materials, Lumber Stores | V, M |
5231 | Glass, Paint, Wallpaper Stores | V, M |
5251 | Hardware Stores | V, M |
5261 | Lawn and Garden Supply Stores | V, M |
5271 | Mobile Home Dealers | V, M |
5299 | Warehouse Club Gas | TSYS |
5300 | Wholesale Clubs | V, M |
5309 | Duty Free Stores | V, M |
5310 | Discount Stores | V, M |
5311 | Department Stores | V, M |
5331 | Variety Stores | V, M |
5399 | Miscellaneous General Merchandise Stores | V, M |
5411 | Grocery Stores, Supermarkets | V, M |
5422 | Freezer and Locker Meat Provisioners | V, M |
5441 | Candy, Nut and Confectionery Stores | V, M |
5451 | Dairy Products Stores | V, M |
5462 | Bakeries | V, M |
5499 | Miscellaneous Food Stores–Convenience Stores, Markets, Specialty Stores, and Vending Machines | V, M |
5511 | Automobile and Truck Dealers–Sales, Service, Repairs, Parts and Leasing | V, M |
5521 | Automobile and Truck Dealers–(Used Only)–Sales | V, M |
5532 | Automotive Tire Stores | V, M |
5533 | Automotive Parts and Accessories Stores | V, M |
5541 | Service Stations (With or Without Ancillary Services) | V, M |
5542 | Fuel Dispenser, Automated | V, M |
5551 | Boat Dealers | V, M |
5561 | Camper Dealers, Recreational and Utility Trailers | V, M |
5571 | Motorcycle Shops and Dealers | V, M |
5592 | Motor Home Dealers | V, M |
5598 | Snowmobile Dealers | V, M |
5599 | Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers–Not Elsewhere Classified | V, M |
Miscellaneous Stores
MCC | Description | Payment Brand(s) |
5712 | Equipment, Furniture and Home Furnishings Stores (except Appliances) | V, M |
5713 | Floor Covering Stores | V, M |
5714 | Drapery, Upholstery and Window Coverings Stores | V, M |
5718 | Fireplace, Fireplace Screens and Accessories Stores | V, M |
5719 | Miscellaneous House Furnishing Specialty Shops | V, M |
5722 | Household Appliance Stores | V, M |
5732 | Electronics Sales | V, M |
5733 | Music Stores–Musical Instruments, Pianos and Sheet Music | V, M |
5734 | Computer Software Stores | V, M |
5735 | Record Shops | V, M |
5811 | Caterers | V, M |
5812 | Eating Places and Restaurants | V, M |
5813 | Bars, co*cktail Lounges, Discotheques, Nightclubs and Taverns–Drinking Places (Alcoholic Beverages) | V, M |
5814 | Fast Food Restaurants | V, M |
5815 | Digital Goods: Books, Movies, Music | V, M |
5816 | Digital Goods: Games | V, M |
5817 | Digital Goods: Applications (Excludes Games) | V, M |
5818 | Digital Goods: Large Digital Goods Merchant (V) Digital Goods: Multi-Category (M) | V, M |
5912 | Drug Stores and Pharmacies | V, M |
5921 | Package Stores–Beer, Wine and Liquor | V, M |
5931 | Second Hand Stores, Used Merchandise Stores | V, M |
5932 | Antique Shops–Sales, Repairs and Restoration Services | V, M |
5933 | Pawn Shops | V, M |
5935 | Wrecking and Salvage Yards | V, M |
5937 | Antique Reproduction Stores | V, M |
5940 | Bicycle Shops–Sales and Service | V, M |
5941 | Sporting Goods Stores | V, M |
5942 | Book Stores | V, M |
5943 | Office, School Supply and Stationery Stores | V, M |
5944 | Clock, Jewelry, Watch and Silverware Stores | V, M |
5945 | Game, Toy and Hobby Shops | V, M |
5946 | Camera and Photographic Supply Stores | V, M |
5947 | Card, Gift, Novelty and Souvenir Shops | V, M |
5948 | Leather Goods and Luggage Stores | V, M |
5949 | Fabric, Needlework, Piece Goods and Sewing Stores | V, M |
5950 | Crystal and Glassware Stores | V, M |
5961 | Mail Order Houses Including Catalog Order Stores | TSYS |
5962 | Direct Marketing–Travel Related Arrangement Services | V, M |
5963 | Door-to-Door Sales | V, M |
5964 | Direct Marketing–Catalog Merchants | V, M |
5965 | Direct Marketing–Combination Catalog and Retail Merchant | V, M |
5966 | Direct Marketing–Outbound Telemarketing Merchants | V, M |
5967 | Direct Marketing–Inbound Telemarketing Merchants | V, M |
5968 | Direct Marketing–Continuity/Subscription Merchants | V, M |
5969 | Direct Marketing–Other Direct Marketers–Not Elsewhere Classified | V, M |
5970 | Artist Supply Stores, Craft Shops | V, M |
5971 | Art Dealers and Galleries | V, M |
5972 | Stamp and Coin Stores–Philatelic and Numismatic Supplies | V, M |
5973 | Religious Goods Stores | V, M |
5974 | Rubber Stamp Store | TSYS |
5975 | Hearing Aids–Sales, Service, Supply Stores | V, M |
5976 | Orthopedic Goods–Artificial Limb Stores | V, M |
5977 | Cosmetic Stores | V, M |
5978 | Typewriter Stores–Rentals, Sales, Service | V, M |
5983 | Fuel Dealers–Coal, Fuel Oil, Liquefied Petroleum, Wood | V, M |
5992 | Florists | V, M |
5993 | Cigar Stores and Stands | V, M |
5994 | News Dealers and Newsstands | V, M |
5995 | Pet Shops, Pet Food and Supplies | V, M |
5996 | Swimming Pools–Sales and Supplies | V, M |
5997 | Electric Razor Stores–Sales and Service | V, M |
5998 | Tent and Awning Shops | V, M |
5999 | Miscellaneous and Specialty Retail Stores | V, M |
6010 | Member Financial Institution–Manual Cash Disbursem*nts | V, M |
6011 | Member Financial Institution–Automated Cash Disbursem*nts | V, M |
6012 | Member Financial Institution–Merchandise And Services | V, M |
6050 | Quasi Cash–Member Financial Institution | M |
6051 | Quasi Cash–Merchant | V, M |
6211 | Securities–Brokers and Dealers | V, M |
6236 | Aero Servicio Carabobo | TSYS |
6513 | Real Estate Agents and Managers–Rentals | V, M |
6529 | Remote Stored Value Load — Member Financial Institution | TSYS |
6530 | Remove Stored Value Load — Merchant | TSYS |
6535 | Value Purchase–Member Financial Institution | TSYS |
6536 | MoneySend Intracountry | M |
6537 | MoneySend Intercountry | M |
6538 | MoneySend Funding | M |
6539 | Funding Transaction (Excluding MoneySend) | M |
6540 | POI (Point of Interaction) Funding Transactions (Excluding MoneySend) | M |
6611 | Overpayments | TSYS |
6760 | Savings Bonds | TSYS |
7011 | Lodging–Hotels, Motels, Resorts–not elsewhere classified | V, M |
7012 | Timeshares | V, M |
7032 | Sporting and Recreational Camps | V, M |
7033 | Campgrounds and Trailer Parks | V, M |
7210 | Cleaning, Garment and Laundry Services | V, M |
7211 | Laundry Services–Family and Commercial | V, M |
7216 | Dry Cleaners | V, M |
7217 | Carpet and Upholstery Cleaning | V, M |
7221 | Photographic Studios | V, M |
7230 | Barber and Beauty Shops | V, M |
7251 | Hat Cleaning Shops, Shoe Repair Shops, Shoe Shine Parlors | V, M |
7261 | Funeral Service and Crematories | V, M |
7273 | Dating Services | V, M |
7276 | Tax Preparation Service | V, M |
7277 | Debt, Marriage, Personal–Counseling Services | V, M |
7278 | Buying/Shopping Clubs, Services | V, M |
7280 | Hospital Patient-Personal Funds Withdrawal | TSYS |
7295 | Babysitting Services | TSYS |
7296 | Clothing Rental–Costumes, Uniforms and Formal Wear | V, M |
7297 | Massage Parlors | V, M |
7298 | Health and Beauty Spas | V, M |
7299 | Other Services–Not Elsewhere Classified | V, M |
Professional Services and Membership Organizations
MCC | Description | Payment Brand(s) |
8011 | Doctors–not elsewhere classified | V, M |
8021 | Dentists and Orthodontists | V, M |
8031 | Osteopathic Physicians | V, M |
8041 | Chiropractors | V, M |
8042 | Optometrists and Ophthalmologists | V, M |
8043 | Opticians, Optical Goods and Eyeglasses | V, M |
8044 | Optical Goods and Eyeglasses | TSYS |
8049 | Chiropodists, Podiatrists | V, M |
8050 | Nursing and Personal Care Facilities | V, M |
8062 | Hospitals | V, M |
8071 | Dental and Medical Laboratories | V, M |
8099 | Health Practitioners, Medical Services–Not Elsewhere Classified | V, M |
8111 | Attorneys, Legal Services | V, M |
8351 | Child Care Services | V, M |
8398 | Organizations, Charitable and Social Service | V, M |
8641 | Associations–Civic, Social and Fraternal | V, M |
8651 | Organizations, Political | V, M |
8661 | Organizations, Religious | V, M |
8675 | Automobile Associations | V, M |
8699 | Organizations, Membership–Not Elsewhere Classified | V, M |
8734 | Testing Laboratories (Non-Medical) | V, M |
8743 | Testing Laboratories (Non-Medical) | TSYS |
8911 | Architectural, Engineering and Surveying Services | V, M |
8931 | Accounting, Auditing and Bookkeeping Services | V, M |
8999 | Professional Services–Not Elsewhere Classified | V, M |
Business Services
MCC | Description | Payment Brand(s) |
7311 | Advertising Services | V, M |
7321 | Consumer Credit Reporting Agencies | V, M |
7332 | Blueprinting and Photocopying Services | TSYS |
7333 | Commercial Art, Graphics, Photography | V, M |
7338 | Quick Copy, Reproduction and Blueprinting Services | V, M |
7339 | Stenographic and Secretarial Support Services | V, M |
7342 | Exterminating and Disinfecting Services | V, M |
7349 | Cleaning and Maintenance, Janitorial Services | V, M |
7361 | Employment Agencies and Temporary Help Services | V, M |
7372 | Computer Programming, Data Processing and Integrated System Design Services | V, M |
7375 | Information Retrieval Services | V, M |
7379 | Computer Maintenance, Repair And Services–Not Elsewhere Classified | V, M |
7392 | Consulting, Management and Public Relations Services | V, M |
7393 | Detective Agencies, Protective Agencies, Security Services including Armored Cars, Guard Dogs | V, M |
7394 | Equipment Rental and Leasing Services, Furniture Rental, Tool Rental | V, M |
7395 | Photo Developing, Photofinishing Laboratories | V, M |
7399 | Business Services Not Elsewhere Classified | V, M |
7512 | Automobile Rental Agency–Not Elsewhere Classified | V, M |
7513 | Truck Rental | V, M |
7519 | Motor Home and Recreational Vehicle Rental | V, M |
7523 | Automobile Parking Lots and Garages | V, M |
7524 | Express Payment Service Merchants–Parking Lots and Garages | TSYS |
7531 | Automotive Body Repair Shops | V, M |
7534 | Tire Retreading and Repair Shops | V, M |
7535 | Automotive Paint Shops | V, M |
7538 | Automotive Service Shops | V, M |
7542 | Car Washes | V, M |
7549 | Towing Services | V, M |
7622 | Electronic Repair Shops | V, M |
7623 | Air Conditioning and Refrigeration Repair Shops | V, M |
7629 | Appliance Repair Shops, Electrical and Small | V, M |
7631 | Clock, Jewelry and Watch Repair Shops | V, M |
7641 | Furniture–Reupholstery, Repair and Refinishing | V, M |
7692 | Welding Repair | V, M |
7699 | Miscellaneous Repair Shops and Related Services | V, M |
7800 | Government Owned Lottery | V, M |
7801 | Government-Licensed Casinos (Online or Internet Gambling) | V, M |
7802 | Government-Licensed Horse/Dog Racing | V, M |
7829 | Motion Picture and Video Tape Production and Distribution | V, M |
7832 | Motion Picture Theaters | V, M |
7833 | Express Payment Service — Motion Picture Theater | TSYS |
7841 | DVD/Video Tape Rental Stores | V, M |
7911 | Dance Halls, Schools and Studios | V, M |
7922 | Theatrical Producers (Except Motion Pictures), Ticket Agencies | V, M |
7929 | Bands, Orchestras and Miscellaneous Entertainers– Not Elsewhere Classified | V, M |
7932 | Pool and Billiard Establishments | V, M |
7933 | Bowling Alleys | V, M |
7941 | Athletic Fields, Commercial Sports, Professional Sports Clubs, Sports Promoters | V, M |
7991 | Tourist Attractions and Exhibits | V, M |
7992 | Golf Courses, Public | V, M |
7993 | Video Amusem*nt Game Supplies | V, M |
7994 | Video Game Arcades and Establishments | V, M |
7995 | Gambling Transactions Betting (Sportsbook, fantasy, social gaming; when regulated and not covered by other MCCs) (D) | V, M |
7996 | Amusem*nt Parks, Carnivals, Circuses, Carnivals, Fortune Tellers | V, M |
7997 | Clubs–Country Clubs, Membership (Athletic, Recreation, Sports), Private Golf Courses | V, M |
7998 | Aquariums, Dolphinariums, Zoos and Seaquariums | V, M |
7999 | Recreation Services–Not Elsewhere Classified | V, M |
Agricultural Services
MCC | Description | Payment Brand(s) |
0742 | Veterinary Services | V, M |
0763 | Agricultural Cooperatives | V, M |
0780 | Horticultural and Landscaping Services | V, M |
Contracted Services
MCC | Description | Payment Brand(s) |
1520 | General Contractors–Residential and Commercial | V, M |
1711 | Air Conditioning, Heating and Plumbing Contractors | V, M |
1731 | Electrical Contractors | V, M |
1740 | Insulation, Masonry, Plastering, Stonework and Tile Setting Contractors | V, M |
1750 | Carpentry Contractors | V, M |
1761 | Roofing and Siding, Sheet Metal Work Contractors | V, M |
1771 | Concrete Work Contractors | V, M |
1799 | Contractors, Special Trade Contractors–not elsewhere classified | V, M |
2741 | Miscellaneous Publishing and Printing | V, M |
2791 | Typesetting, Plate Making and Related Services | V, M |
2842 | Sanitation, Polishing and Specialty Cleaning Preparations | V, M |
Transportation Services
MCC | Description | Payment Brand(s) |
4011 | Railroads–Freight | V, M |
4111 | Transportation–Suburban and Local Commuter Passenger, including Ferries | V, M |
4112 | Passenger Railways | V, M |
4119 | Ambulance Services | V, M |
4121 | Taxicabs and Limousines | V, M |
4131 | Bus Lines | V, M |
4214 | Motor Freight Carriers,Trucking–Local/Long Distance, Moving and Storage Companies, Local Delivery | V, M |
4215 | Courier Services–Air and Ground, Freight Forwarders | V, M |
4225 | Public Warehousing–Farm Products, Refrigerated Goods, Household Goods Storage | V, M |
4411 | Cruise Lines | V, M |
4457 | Boat Leases and Boat Rentals | V, M |
4468 | Marinas, Marine Service/Supplies | V, M |
4511 | Air Carriers, Airlines–not elsewhere classified | V, M |
4582 | Airports, Airport Terminals, Flying Fields | V, M |
4722 | Travel Agencies and Tour Operators | V, M |
4723 | Package Tour Operators (Germany Only) | V |
4761 | Telemarketing of Travel Related Services and Vitamins | TSYS |
4784 | Bridge and Road Fees, Tolls | V, M |
4789 | Transportation Services Not Elsewhere Classified | V, M |
Car Rental
MCC | Description | Payment Brand(s) |
3351 | Affiliated Auto Rental | V, M |
3352 | American International | V, M |
3353 | Brooks Rent-A-Car | V, M |
3354 | Action Auto Rental | V, M |
3355 | Sixt Car Rental | V, M |
3357 | Hertz | V, M |
3359 | Payless Car Rental | V, M |
3360 | Snappy Car Rental | V, M |
3361 | Airways | V, M |
3362 | Altra Auto Rental | V, M |
3364 | Agency Rent-A-Car | V, M |
3366 | Budget Rent-A-Car | V, M |
3368 | Holiday Rent-A-Car | V, M |
3370 | Rent-A-Wreck | V, M |
3374 | Accent Rent-A-Car | V, M |
3376 | Ajax Rent-A-Car | V, M |
3380 | Triangle Rent-A-Car | V, M |
3381 | Europcar | V, M |
3385 | Tropical Rent-A-Car | V, M |
3386 | Showcase Rental Cars | V, M |
3387 | Alamo Rent-A-Car | V, M |
3388 | Merchants Rent-A-Car | V, M |
3389 | Avis Rent-A-Car | V, M |
3390 | Dollar Rent-A-Car | V, M |
3391 | Europe By Car | V, M |
3393 | National Car Rental | V, M |
3394 | Kemwell Group | V, M |
3395 | Thrifty Car Rental | V, M |
3396 | Tilden Rent-A-Car | V, M |
3398 | Econo-Car Rent-A-Car | V, M |
3400 | Auto Host Rental Cars | V, M |
3405 | Enterprise Rent-A-Car | V, M |
3409 | General Rent-A-Car | V, M |
3412 | A1 Rent-A-Car | V, M |
Airlines
Visa and MasterCard have specific requirements for abbreviations used with airline MCCs. It’s important to note that the Airlines MCCs listed below includes values from both Visa and MasterCard because these payment brands have published their own airline MCCs.
MCC | Description | Payment Brand(s) | Abbreviation for Payment Brand |
3000 | United Airlines | V, M | UNITED AIR (V) |
UNITED (M) | |||
3001 | American Airlines | V, M | AMERICAN AIR (V) |
AMERICAN (M) | |||
3002 | Pan American | V, M | PAN AM AIR (V) |
PAN AM (M) | |||
3003 | Eurofly | V, M | EUROFLY AIR (V) |
EUROFLY (M) | |||
3004 | Dragon Airlines | V, M | DRAGONAIR |
3005 | British Airways | V, M | BRITISH AWYS (V) |
BRITISH A (M) | |||
3006 | Japan Air Lines | V, M | JAL AIRLINE (V) |
JAL (M) | |||
3007 | Air France | V, M | AIR FRANCE (V) |
AIR FRAN (M) | |||
3008 | Lufthansa German Airlines | V, M | LUFTHANSA (V) |
LUFTHAN (M) | |||
3009 | Air Canada | V, M | AIR CANADA (V) |
AIR CAN (M) | |||
3010 | Royal Dutch Airlines (KLM Airlines) | V, M | KLM AIRLINE (V) |
KLM (M) | |||
3011 | Aeroflot | V, M | AEROFLOT |
3012 | Qantas | V, M | QANTAS AIR (V) |
QANTAS (M) | |||
3013 | Alitalia | V, M | ALITALIA |
3014 | Saudi Arabian Airlines | V, M | SAUDI AIR (V) |
SAUDI AI (M) | |||
3015 | Swiss International Air Lines | V, M | SWISSINTAIR (V) |
SWISS (M) | |||
3016 | Scandinavian Airline System (SAS) | V, M | SAS |
3017 | South African Airways | V, M | SAA AIRWAYS (V) |
SAFRICAN (M) | |||
3018 | Varig | V, M | VARIG |
3019 | Germanwings | TSYS | GRMNWNGSAIR |
3020 | Air India | V, M | AIR-INDIA (V) |
AIR-INDI (M) | |||
3021 | Air Algerie | V, M | AIR ALGERIE (V) |
AIRALGER (M) | |||
3022 | Philippine Airlines | V, M | PAL AIR |
3023 | Mexicana | V, M | MEXICANA |
3024 | Pakistan International | V, M | PAKISTAN AIR (V) |
PAKISTAN (M) | |||
3025 | Air New Zealand Ltd. International | V, M | AIR NZ |
3026 | Emirates Airlines | V, M | EMIRATES |
3027 | Union De Transports Aeriens (UTA/interair) | V, M | UTA AIRLINE (V) |
UTAAIR (M) | |||
3028 | Air Malta | V, M | AIR MALTA (V) |
AIRMALTA (M) | |||
3029 | SN Brussels Airlines | V, M | SNBRSSLSAIR (V) |
SNBRU AIR (M) | |||
3030 | Aerolineas Argentinas | V, M | AERO ARGENT (V) |
AERO ARG (M) | |||
3031 | Olympic Airways | V, M | OLYMPIC AIR (V) |
OLYMPICA (M) | |||
3032 | El Al | V, M | EL AL |
3033 | Ansett Airlines | V, M | ANSETT AIR (V) |
ANSETT (M) | |||
3034 | Etihadair | V, M | ETIHADAIR |
3035 | TAP Air Portugal (TAP) | V, M | TAP AIR (V) |
TAP (M) | |||
3036 | Viacao Aerea Sao Pãulo (VASP) | V, M | VASP AIR (V) |
VASP (M) | |||
3037 | Egyptair | V, M | EGYPTAIR |
3038 | Kuwait Airways | V, M | KUWAIT AIR (V) |
KUWAIT (M) | |||
3039 | Avianca | V, M | AVIANCA |
3040 | Gulf Air (Bahrain) | V, M | GULF AIR |
3041 | Balkan-Bulgarian Airlines | V, M | BALKAN AIR (V) |
BALKAN (M) | |||
3042 | Finnair | V, M | FINNAIR |
3043 | Aer Lingus | V, M | AER LINGUS (V) |
AERLING (M) | |||
3044 | Air Lanka | V, M | AIR LANKA |
3045 | Nigeria Airways | V, M | NIGERIA AIR (V) |
NIGERIA (M) | |||
3046 | Cruzeiro Do Sul | V, M | CRUZIERO AIR (V) |
CRUZIERO (M) | |||
3047 | Turk Hava Yollari | V, M | THY AIRLINE (V) |
THY (M) | |||
3048 | Royal Air Maroc | V, M | AIR MAROC (V) |
AIRMARO (M) | |||
3049 | Tunis Air | V, M | TUNIS AIR (V) |
TUNIS AI (M) | |||
3050 | Icelandair | V, M | ICELANDAIR (V) |
ICELANDA (M) | |||
3051 | Austrian Airlines | V, M | AUSTRIAN AIR (V) |
AUSTRIAN (M) | |||
3052 | LAN Airlines | V, M | LAN AIR |
3053 | Aviacion Y Comercio (AVIACO) | V, M | AVIACO AIR (V) |
AVIACO (M) | |||
3054 | Linea Aerea Del Cobre (LADECO) | V, M | LADECO AIR (V) |
LADECO (M) | |||
3055 | Lloyd Aero Boliviano (LAB) | V, M | LAB AIR (V) |
LAB (M) | |||
3056 | Jet Airways | V, M | JET AIR |
3057 | Virgin America | V, M | VIR AMER |
3058 | Delta | V, M | DELTA AIR (V) |
DELTA (M) | |||
3059 | DBA Airline | V, M | DBA AIR |
3060 | Northwest Airlines | V, M | NWA AIR |
3061 | Continental | V, M | CONTINENTAL (V) |
CONTINEN (M) | |||
3062 | Hapag-Lloyd Express | V, M | HLX AIR (V) |
HLX (M) | |||
3063 | US Airways | V, M | USAIRWAYS (V) |
USAIRWYS (M) | |||
3064 | Adria Airways | V, M | ADRIA AIR |
3065 | Airinter | V, M | AIRINTER |
3066 | Southwest Airlines | V, M | SOUTHWESTAIR (V) |
SOUTHWES (M) | |||
3067 | Vanguard Airlines | V, M | VANGUARD AIR (V) |
VANGUARD (M) | |||
3068 | Air Astana | V, M | AIR ASTANA (V) |
AIRSTANA (M) | |||
3069 | Sun Country Airlines | V, M | SUNCTRYAIR (V) |
SUNCNTRY (M) | |||
3071 | Air British Columbia | V, M | AIR BC (V) |
AIR B R C (M) | |||
3072 | Cebu Pacific Airlines | V, M | CEBU PAC |
3075 | Singapore Airlines | V, M | SINGAPOREAIR (V) |
SINGAPOR (M) | |||
3076 | Aeromexico | V, M | AEROMEXICO (V) |
AEROMEXI (M) | |||
3077 | Thai Airways | V, M | THAI AIRWAYS (V) |
THAIAIRW (M) | |||
3078 | China Airlines | V, M | CHINA AIR (V) |
CHINAAIR (M) | |||
3079 | Jetstar Airways | V, M | JETSTAR AIR (V) |
JETSTAR (M) | |||
3081 | NordAir | TSYS | Nordair USA Inc |
3082 | Korean Airlines | V, M | KOREAN AIR (V) |
KOREAN (M) | |||
3083 | Air Afrique | V, M | AIR AFRIQUE (V) |
AIR AFRIQ (M) | |||
3084 | Eva Airways | V, M | EVA AIR |
3085 | Midwest Express Airlines | V, M | MIDWEST EXP (V) |
MIDWEST (M) | |||
3086 | Carnival Airlines | V | CARNIVAL AIR |
3087 | Metro Airlines | V, M | METRO AIR (V) |
METROAI (M) | |||
3088 | Croatia Air | V, M | CROATIA AIR (V) |
CROATIA (M) | |||
3089 | Transaero | V, M | TRANSAERO |
3090 | Uni Airways Corporation | V, M | UNIAIR |
3094 | Zambia Airways | V, M | ZAMBIA AIR (V) |
ZAMBIA A (M) | |||
3096 | Air Zimbabwe Corp | V, M | AIR ZIMBABWE (V) |
AIRZIMBA (M) | |||
3097 | Spanair | V, M | SPANAIR |
3098 | Asiana Airlines | V, M | ASIANA AIR (V) |
ASIANA (M) | |||
3099 | Cathay Pacific | V, M | CATHAYPACAIR (V) |
CATHAYPA (M) | |||
3100 | Malaysian Airline System | V, M | MALAY AIR (V) |
MALAY AI (M) | |||
3102 | Iberia | V, M | IBERIA AIR (V) |
IBERIA (M) | |||
3103 | Garuda | V, M | GARUDA AIR (V) |
GARUDA (M) | |||
3106 | Braathens S.A.F.E. | V, M | BRAATHENS (V) |
BRAATHEN (M) | |||
3110 | Wings Airways | V | WINGS AIR |
3111 | British Midland | V, M | BRMIDLANDAIR (V) |
BRITISH M (M) | |||
3112 | Windward Island | V, M | WINDWRDISAIR (V) |
WINDWARD (M) | |||
3115 | Tower Air | V, M | TOWERAIR |
3117 | Venezolana International De Aviacion | V, M | VIASA |
3118 | Valley Airlines | V, M | VALLEY AIR |
3125 | Tan Sahsa | V, M | TAN AIR |
3126 | Talair PTY Ltd. | V | TALAIR |
3127 | Taca International | V, M | TACAINTL AIR (V) |
TACA INT (M) | |||
3129 | Surinam Airways | V, M | SURINAM AIR (V) |
SURINAM (M) | |||
3130 | Sunworld International | V, M | SUNWORLD AIR (V) |
SUNWORLD (M) | |||
3131 | VLM Airlines | V, M | VLM AIR (V) |
VLM (M) | |||
3132 | Frontier Airlines | V, M | FRONTIER AIR (V) |
FRONTIER (M) | |||
3133 | Sunbelt Airlines | V | SUNBELT AIR |
3135 | Sudan Airways | V | SUDAN AIR |
3136 | Qatar Airways | V, M | QATAR AIR |
3137 | Singleton | V | SINGLETONAIR |
3138 | Simmons Airlines | V | SIMMONS AIR |
3143 | Scenic Airlines | V | SCENIC AIR |
3144 | Virgin Atlantic | V, M | VIRGINATLAIR (V) |
VIR ATL (M) | |||
3145 | San Juan | V | SAN JUAN AIR |
3146 | Luxair | V, M | LUXAIR |
3148 | Air Littoral S.A. | V, M | AIRLITTORAL (V) |
LITTORAL (M) | |||
3151 | Air Zaire | V, M | AIR ZAIRE (V) |
AIRZAIRE (M) | |||
3154 | Princeville | V | PRINCVLLEAIR |
3156 | Go Fly Ltd. | V, M | GOFLY |
3159 | Provincetown-Boston Airways | V, M | PBA AIRLINE (V) |
PBA (M) | |||
3161 | All Nipon Airways | V, M | ANA AIR (V) |
ANAAIR (M) | |||
3164 | Norontair | V, M | NORONTAIR (V) |
NORONTAI (M) | |||
3165 | New York Helicopter | V | NY HELI |
3167 | Aero Continente | V, M | AEROCONTINEN (V) |
AERO CONT (M) | |||
3170 | Mount Cook | V | MT COOK AIR |
3171 | Canadian Airlines International | V, M | CANADIAN AIR (V) |
CANADIAN (M) | |||
3172 | Nationair | V, M | NATIONAIR (V) |
NATIONAI (M) | |||
3174 | Jetblue Airways | V, M | JETBLUE |
3175 | Middle East Air | V, M | MIDEAST AIR (V) |
MIDEASTA (M) | |||
3176 | Metroflight Airlines | V | METROFLT AIR |
3177 | AirTran Airways | V, M | AIRTRANAIR (V) |
AIRTRAN A (M) | |||
3178 | Mesa Air | V, M | MESA AIR |
3180 | Westjet Airlines | V, M | WESTJETAIR (V) |
WESTJET (M) | |||
3181 | Malev | V, M | MALEV AIR (V) |
MALEV (M) | |||
3182 | LOT (Polish Airlines) | V, M | LOT AIR (V) |
LOT (M) | |||
3183 | Oman Air | V, M | OMANAIR (V) |
OMAN AIR (M) | |||
3184 | LIAT | V, M | LIAT AIRLINE (V) |
LIAT (M) | |||
3185 | Linea Aeropostal Venezolana (LAV) | V, M | LAV AIR (V) |
LAV (M) | |||
3186 | Lineas Aereas Paraguayas (LAP) | V, M | LAP AIR (V) |
LAP (M) | |||
3187 | LACSA (Costa Rica) | V, M | LACSA AIR (V) |
LACSA (M) | |||
3188 | Virgin Express | V, M | VIRGINEXPAIR (V) |
VIR EXP (M) | |||
3190 | Jugoslav Air | V, M | JUGOSLAV AIR (V) |
JUGOSLAV (M) | |||
3191 | Island Airlines | V, M | ISLAND AIR (V) |
ISLANDAI (M) | |||
3193 | Indian Airlines | V, M | INDIAN AIR (V) |
INDIAN A (M) | |||
3196 | Hawaiian Air | V, M | HAWAIIAN AIR (V) |
HAWAIIAN (M) | |||
3197 | Havasu Airlines | V, M | HAVASU AIR (V) |
HAVASUAI (M) | |||
3200 | Guyana Airways | V, M | GUYANA AIR (V) |
GUYANA A (M) | |||
3203 | Golden Pacific Air | V | GOLDPAC AIR |
3204 | Freedom Airlines | V, M | FREEDOM AIR (V) |
FREEDOM (M) | |||
3206 | China Eastern Airlines | V, M | CHINAEASTAIR (V) |
CHINAEAST (M) | |||
3211 | Norwegian Air Shuttle | V, M | NORWEGIANAIR (V) |
NORWEGIAN (M) | |||
3212 | Dominicana De Aviacion | V, M | DOMINICA AIR (V) |
DOMINICA (M) | |||
3213 | Malmo Aviation | V, M | MALMO AIR (V) |
MALMO AV (M) | |||
3215 | Dan Air Services | V | DANAIRSERV |
3216 | Cumberland Airlines | V | CUMBERLNDAIR |
3217 | Ceskoslovenske Aerolinie (CSA) | V, M | CSA AIRLINE (V) |
CSA (M) | |||
3218 | Crown Air | V | CROWN AIR |
3219 | Compania Panamena De Aviacion (COPA) | V, M | COPA AIR (V) |
COPA (M) | |||
3220 | Compania Faucett | V, M | COMP FAU AIR (V) |
COMPANIA (M) | |||
3221 | Transportes Aeros Militares | V, M | TAME AIRLINE (V) |
TAME AIR (M) | |||
3222 | Command Airways | V, M | COMMAND AIR (V) |
COMMAND (M) | |||
3223 | Comair | V, M | COMAIR |
3226 | Skyways | V, M | SKYWAYS AIR (V) |
SKYWAYS (M) | |||
3228 | Cayman Airways | V, M | CAYMANAIR |
3229 | SAETA (Sociedad Ecuatorianos De Transportes Aereos) | V, M | SAETA AIR (V) |
SAETAAIR (M) | |||
3231 | SAHSA (Servicio Aero De Honduras) | V, M | SAHSA AIR (V) |
SAHSA (M) | |||
3233 | Capitol Air | V | CAPITOL AIR |
3234 | Caribbean Airlines | V, M | CARIBBEANAIR (V) |
CARIBBEAN (M) | |||
3235 | Brockway Air | V | BROCKWAY AIR |
3236 | Air Arabia Airline | V, M | AIR ARABIA (V) |
AIR ARAB (M) | |||
3238 | Bemidji Aviation | V | BEMIDJI AIR |
3239 | Bar Harbor Airlines | V, M | BARHARBORAIR (V) |
BARHARBO (M) | |||
3240 | Bahamasair | V, M | BAHAMASAIR (V) |
BAHAMASA (M) | |||
3241 | Aviateca | V, M | AVIATECA AIR (V) |
AVIATECA (M) | |||
3242 | Avensa | V, M | AVENSA AIR (V) |
AVENSA (M) | |||
3243 | Austrian Air Service | V, M | AUST AIRSERV (V) |
AUSTRAIR (M) | |||
3245 | Easyjet Air | V, M | EASYJET AIR (V) |
EASYJET (M) | |||
3246 | Ryanair | V, M | RYANAIR |
3247 | Gol Airlines | V, M | GOL AIR (V) |
GOL (M) | |||
3248 | Tam Airlines | V, M | TAM AIR (V) |
TAM (M) | |||
3251 | Aloha Airlines | V | ALOHA AIR |
3252 | Antilean Airlines (ALM) | V, M | ALM AIRLINE (V) |
ALM (M) | |||
3253 | America West | M | AMERWEST |
3254 | U.S. Air Shuttle | V | USAIRSHUTL |
3256 | Alaska Airlines Inc. | V, M | ALASKA AIR (V) |
ALASKA A (M) | |||
3259 | American Trans Air | V | ATA AIR |
3260 | Spirit Airlines | V, M | SPIRIT AIR (V) |
SPIRIT (M) | |||
3261 | Air China | V, M | AIR CHINA |
3262 | Reno Air | V | RENO AIR |
3263 | Aero Servicio Carabobo | V, M | ASC AIRLINE (V) |
ASERCA (M) | |||
3266 | Air Seychelles | V, M | AIR SEYCH (V) |
AIR SEYC (M) | |||
3267 | Air Panama International | V, M | AIR PANAMA (V) |
AIR PANA (M) | |||
3273 | Rica Hotels | TSYS | Rica Hotels |
3274 | Inter Nor Hotels | TSYS | Inter Nor Hotels |
3280 | Air Jamaica | V, M | AIR JAMAICA (V) |
AIR JAMA (M) | |||
3281 | Air Djibouti | TSYS | Air Djibouti |
3282 | Air Djibouti | V, M | AIR DJIBOUTI (V) |
AIR DJIB (M) | |||
3284 | Aero Virgin Islands | V | AERVIRGINIS |
3285 | Aero Peru | V, M | AEROPERU |
3286 | Aero Nicaraguensis | V, M | AERONICARAG (V) |
AERO NIC (M) | |||
3287 | Aero Coach Aviation | V, M | AEROCOACH AV (V) |
AEROCOAC (M) | |||
3292 | Cyprus Airways | V, M | CYPRUS AIR (V) |
CYPRUSA (M) | |||
3293 | Ecuatoriana | V, M | ECUATORIANA (V) |
ECUATORI (M) | |||
3294 | Ethiopian Airlines | V, M | ETHIOPIAN AIR (V) |
ETHIOPIA (M) | |||
3295 | Kenya Airways | V, M | KENYA AIR (V) |
KENYAAIR (M) | |||
3296 | Air Berlin | V, M | AIR BERLIN (V) |
AIRBERLIN (M) | |||
3297 | Tarom Romanian Air Transport | V, M | TAROM AIR |
3298 | Air Mauritius | V, M | AIRMAURITIUS (V) |
AIRMAURI (M) | |||
3299 | Wideroes Flyveselskap | V, M | WIDEROES |
Overall, MCCs are a vital component of the payments ecosystem, contributing to efficient transaction processing, fraud prevention, personalized rewards, and insightful spending analysis.