Payments

Merchant Category Codes (MCC)

Overview

A merchant category code (MCC) is a four-digit number used to classify a business based on the types of goods and services it provides. The MCC is assigned to a business by the acquiring bank or a card network when the business initially begins cards as a form of payment.

Entities that use Monite payment rails must provide their MCC during payments onboarding. The MCC can be specified in the business_profile.mcc field in a PATCH /entities/{entity_id}/onboarding_data request.

MCC list

MCC ranges as defined by ISO 18245:2023 are:

  • 0001⁠–1499: Agricultural services
  • 1500⁠–2999: Contracted services
  • 4000⁠–4799: Transportation services
  • 4800⁠–4999: Utility services
  • 5000⁠–5599: Retail outlet services
  • 5600⁠–5699: Clothing shops
  • 5700⁠–7299: Miscellaneous shops
  • 7300⁠–7999: Business services
  • 8000⁠–8999: Professional services and membership organisations
  • 9000⁠–9999: Government services

The following merchant codes can be used by entities in Monite:

CategoryMCC
A/C, Refrigeration Repair7623
Accounting/Bookkeeping Services8931
Advertising Services7311
Agricultural Cooperative0763
Airlines, Air Carriers4511
Airports, Flying Fields4582
Ambulance Services4119
Amusement Parks/Carnivals7996
Antique Reproductions5937
Antique Shops5932
Aquariums7998
Architectural/Surveying Services8911
Art Dealers and Galleries5971
Artists Supply and Craft Shops5970
Auto Body Repair Shops7531
Auto Paint Shops7535
Auto Service Shops7538
Auto and Home Supply Stores5531
Automated Cash Disburse6011
Automated Fuel Dispensers5542
Automobile Associations8675
Automotive Parts and Accessories Stores5533
Automotive Tire Stores5532
Bail and Bond Payments (payment to the surety for the bond, not the actual bond paid to the government agency)9223
Bakeries5462
Bands, Orchestras7929
Barber and Beauty Shops7230
Betting/Casino Gambling7995
Bicycle Shops5940
Billiard/Pool Establishments7932
Boat Dealers5551
Boat Rentals and Leases4457
Book Stores5942
Books, Periodicals, and Newspapers5192
Bowling Alleys7933
Bus Lines4131
Business/Secretarial Schools8244
Buying/Shopping Services7278
Cable, Satellite, and Other Pay Television and Radio4899
Camera and Photographic Supply Stores5946
Candy, Nut, and Confectionery Stores5441
Car Rental Agencies7512
Car Washes7542
Car and Truck Dealers (New & Used) Sales, Service, Repairs Parts and Leasing5511
Car and Truck Dealers (Used Only) Sales, Service, Repairs Parts and Leasing5521
Carpentry Services1750
Carpet/Upholstery Cleaning7217
Caterers5811
Charitable and Social Service Organizations - Fundraising8398
Chemicals and Allied Products (Not Elsewhere Classified)5169
Child Care Services8351
Childrens and Infants Wear Stores5641
Chiropodists, Podiatrists8049
Chiropractors8041
Cigar Stores and Stands5993
Civic, Social, Fraternal Associations8641
Cleaning and Maintenance7349
Clothing Rental7296
Colleges, Universities8220
Commercial Equipment (Not Elsewhere Classified)5046
Commercial Footwear5139
Commercial Photography, Art and Graphics7333
Commuter Transport, Ferries4111
Computer Network Services4816
Computer Programming7372
Computer Repair7379
Computer Software Stores5734
Computers, Peripherals, and Software5045
Concrete Work Services1771
Construction Materials (Not Elsewhere Classified)5039
Consulting, Public Relations7392
Correspondence Schools8241
Cosmetic Stores5977
Counseling Services7277
Country Clubs7997
Courier Services4215
Court Costs, Including Alimony and Child Support - Courts of Law9211
Credit Reporting Agencies7321
Cruise Lines4411
Dairy Products Stores5451
Dance Hall, Studios, Schools7911
Dating/Escort Services7273
Dentists, Orthodontists8021
Department Stores5311
Detective Agencies7393
Digital Goods Media – Books, Movies, Music5815
Digital Goods – Applications (Excludes Games)5817
Digital Goods – Games5816
Digital Goods – Large Digital Goods Merchant5818
Direct Marketing - Catalog Merchant5964
Direct Marketing - Combination Catalog and Retail Merchant5965
Direct Marketing - Inbound Telemarketing5967
Direct Marketing - Insurance Services5960
Direct Marketing - Other5969
Direct Marketing - Outbound Telemarketing5966
Direct Marketing - Subscription5968
Direct Marketing - Travel5962
Discount Stores5310
Doctors8011
Door-To-Door Sales5963
Drapery, Window Covering, and Upholstery Stores5714
Drinking Places5813
Drug Stores and Pharmacies5912
Drugs, Drug Proprietaries, and Druggist Sundries5122
Dry Cleaners7216
Durable Goods (Not Elsewhere Classified)5099
Duty Free Stores5309
Eating Places, Restaurants5812
Educational Services8299
Electric Razor Stores5997
Electric Vehicle Charging5552
Electrical Parts and Equipment5065
Electrical Services1731
Electronics Repair Shops7622
Electronics Stores5732
Elementary, Secondary Schools8211
Emergency Services (GCAS) (Visa use only)9702
Employment/Temp Agencies7361
Equipment Rental7394
Exterminating Services7342
Family Clothing Stores5651
Fast Food Restaurants5814
Financial Institutions6012
Fines - Government Administrative Entities9222
Fireplace, Fireplace Screens, and Accessories Stores5718
Floor Covering Stores5713
Florists5992
Florists Supplies, Nursery Stock, and Flowers5193
Freezer and Locker Meat Provisioners5422
Fuel Dealers (Non Automotive)5983
Funeral Services, Crematories7261
Furniture Repair, Refinishing7641
Furniture, Home Furnishings, and Equipment Stores, Except Appliances5712
Furriers and Fur Shops5681
General Services1520
Gift, Card, Novelty, and Souvenir Shops5947
Glass, Paint, and Wallpaper Stores5231
Glassware, Crystal Stores5950
Golf Courses - Public7992
Government Licensed On-line Casinos (On-Line Gambling) (US Region only)7801
Government Services (Not Elsewhere Classified)9399
Government-Licensed Horse/Dog Racing (US Region only)7802
Government-Owned Lotteries (Non-US region)9406
Government-Owned Lotteries (US Region only)7800
Grocery Stores, Supermarkets5411
Hardware Stores5251
Hardware, Equipment, and Supplies5072
Health and Beauty Spas7298
Hearing Aids Sales and Supplies5975
Heating, Plumbing, A/C1711
Hobby, Toy, and Game Shops5945
Home Supply Warehouse Stores5200
Hospitals8062
Hotels, Motels, and Resorts7011
Household Appliance Stores5722
Industrial Supplies (Not Elsewhere Classified)5085
Information Retrieval Services7375
Insurance - Default6399
Insurance Underwriting, Premiums6300
Intra-Company Purchases9950
Jewelry Stores, Watches, Clocks, and Silverware Stores5944
Landscaping Services0780
Laundries7211
Laundry, Cleaning Services7210
Legal Services, Attorneys8111
Luggage and Leather Goods Stores5948
Lumber, Building Materials Stores5211
Manual Cash Disburse6010
Marinas, Service and Supplies4468
Marketplaces5262
Masonry, Stonework, and Plaster1740
Massage Parlors7297
Medical Services8099
Medical and Dental Labs8071
Medical, Dental, Ophthalmic, and Hospital Equipment and Supplies5047
Membership Organizations8699
Mens and Boys Clothing and Accessories Stores5611
Mens, Womens Clothing Stores5691
Metal Service Centers5051
Miscellaneous Apparel and Accessory Shops5699
Miscellaneous Auto Dealers5599
Miscellaneous Business Services7399
Miscellaneous Food Stores - Convenience Stores and Specialty Markets5499
Miscellaneous General Merchandise5399
Miscellaneous General Services7299
Miscellaneous Home Furnishing Specialty Stores5719
Miscellaneous Publishing and Printing2741
Miscellaneous Recreation Services7999
Miscellaneous Repair Shops7699
Miscellaneous Specialty Retail5999
Mobile Home Dealers5271
Motion Picture Theaters7832
Motor Freight Carriers and Trucking - Local and Long Distance, Moving and Storage Companies, and Local Delivery Services4214
Motor Homes Dealers5592
Motor Vehicle Supplies and New Parts5013
Motorcycle Shops and Dealers5571
Motorcycle Shops, Dealers5561
Music Stores-Musical Instruments, Pianos, and Sheet Music5733
News Dealers and Newsstands5994
Non-FI, Money Orders6051
Non-FI, Stored Value Card Purchase/Load6540
Nondurable Goods (Not Elsewhere Classified)5199
Nurseries, Lawn and Garden Supply Stores5261
Nursing/Personal Care8050
Office and Commercial Furniture5021
Opticians, Eyeglasses8043
Optometrists, Ophthalmologist8042
Orthopedic Goods - Prosthetic Devices5976
Osteopaths8031
Package Stores-Beer, Wine, and Liquor5921
Paints, Varnishes, and Supplies5198
Parking Lots, Garages7523
Passenger Railways4112
Pawn Shops5933
Pet Shops, Pet Food, and Supplies5995
Petroleum and Petroleum Products5172
Photo Developing7395
Photographic Studios7221
Photographic, Photocopy, Microfilm Equipment, and Supplies5044
Picture/Video Production7829
Piece Goods, Notions, and Other Dry Goods5131
Plumbing, Heating Equipment, and Supplies5074
Political Organizations8651
Postal Services - Government Only9402
Precious Stones and Metals, Watches and Jewelry5094
Professional Services8999
Public Warehousing and Storage - Farm Products, Refrigerated Goods, Household Goods, and Storage4225
Quick Copy, Repro, and Blueprint7338
Railroads4011
Real Estate Agents and Managers - Rentals6513
Record Stores5735
Recreational Vehicle Rentals7519
Religious Goods Stores5973
Religious Organizations8661
Roofing/Siding, Sheet Metal1761
Secretarial Support Services7339
Security Brokers/Dealers6211
Service Stations5541
Sewing, Needlework, Fabric, and Piece Goods Stores5949
Shoe Repair/Hat Cleaning7251
Shoe Stores5661
Small Appliance Repair7629
Snowmobile Dealers5598
Special Trade Services1799
Specialty Cleaning2842
Sporting Goods Stores5941
Sporting/Recreation Camps7032
Sports Clubs/Fields7941
Sports and Riding Apparel Stores5655
Stamp and Coin Stores5972
Stationary, Office Supplies, Printing and Writing Paper5111
Stationery Stores, Office, and School Supply Stores5943
Swimming Pools Sales5996
TUI Travel - Germany4723
Tailors, Alterations5697
Tax Payments - Government Agencies9311
Tax Preparation Services7276
Taxicabs/Limousines4121
Telecommunication Equipment and Telephone Sales4812
Telecommunication Services4814
Telegraph Services4821
Tent and Awning Shops5998
Testing Laboratories8734
Theatrical Ticket Agencies7922
Timeshares7012
Tire Retreading and Repair7534
Tolls/Bridge Fees4784
Tourist Attractions and Exhibits7991
Towing Services7549
Trailer Parks, Campgrounds7033
Transportation Services (Not Elsewhere Classified)4789
Travel Agencies, Tour Operators4722
Truck StopIteration7511
Truck/Utility Trailer Rentals7513
Typesetting, Plate Making, and Related Services2791
Typewriter Stores5978
U.S. Federal Government Agencies or Departments9405
Uniforms, Commercial Clothing5137
Used Merchandise and Secondhand Stores5931
Utilities4900
Variety Stores5331
Veterinary Services0742
Video Amusement Game Supplies7993
Video Game Arcades7994
Video Tape Rental Stores7841
Vocational/Trade Schools8249
Watch/Jewelry Repair7631
Welding Repair7692
Wholesale Clubs5300
Wig and Toupee Stores5698
Wires, Money Orders4829
Womens Accessory and Specialty Shops5631
Womens Ready-To-Wear Stores5621
Wrecking and Salvage Yards5935