Merchant Category Code (MCC)

Merchant category code by Instabill

MasterCard Merchant Category Code (MCC), MCG and TCC Classifications

Established by the United States government in 1937, Standard Industrial Classification codes, or SIC codes, identify specific industries using four-digit numbers. Credit card networks such as Visa and MasterCard adopted this classification method but now refer to them as the Merchant Category Code or MCC.

In addition to Merchant Category Codes, MasterCard further identifies industries by using Merchant Category Group (MCG) codes as well as Transaction Category Codes (TCC).

MCG Description
1 Travel
2 Lodging
3 Dining & Entertainment
4 Vehicle Expenses
5 Office Services & Merchandise
6 Cash Advance
7 Other
TCG Description
A Automobile & Vehicle Rentals
C Cash Disbursements
F Restaurants
H Hotels & Motels
0 College & School Expenses, Hospitals
P Payment Service Providers
R All Other Merchants, U.S. Post Exchange, Cardholder-Activated Terminals
T Pre-Authorized Mail/Telephone Orders
U Unique Transaction Quasi-Cash Disbursements, Cardholder-Activated Terminals
X Airlines, Railroads, Travel Agencies, Transportation
Z Cash Disbursements


Find Your Merchant Category Code (MCC)

Instabill processes credit cards for both retail merchants in the United States as well as e-commerce merchants worldwide. Similar business types often pay similar discount rates, so knowing your Merchant Category Code will provide you with insight on what fees your acquiring bank may offer you. Additionally, you can use your MCC codes to figure out what products and services you can offer on your website. Use our chart below to find your Merchant Category Code as well as your MasterCard MCG and TCC.

MCC Description MCG TCC
4411 Steamship and Cruise Lines 1 H
4511 Airlines and Air Carries (Not Elsewhere Classified) 1 X
4722 Travel Agencies and Tour Operators A 1
4813 Special Telecom Merchants N/A T
4814 Telecommunication Services, Including Local and Long Distance Calls, Credit Card Calls, and Facsimile Services 5 T
4816 Computer Network/Information Services 5 T
5021 Office and Commercial Furniture 5 T
5094 Precious Stones, Metals, Watches, and Jewelry 7 T
5111 Stationery, Office Supplies, Printing, and Writing Paper 5 T
5122 Drugs, Drug Proprietaries, and Druggist Sundries 7 T
5192 Books, Periodicals, and Newspapers 5 T
5300 Wholesale Clubs 7 R
5411 Grocery Stores and Supermarkets 7 R
5422 Freezer and Locker Meat Provisioners 7 R
5441 Candy, Nut, and Confectionery Stores 7 R
5451 Dairy Products Stores 7 R
5462 Bakeries 7 R
5499 Miscellaneous Food Stores, Convenience Stores and Specialty Markets 7 R
5611 Men’s & Boy’s Clothing and Accessories Stores 7 R
5621 Women’s Ready-to-Wear Stores 7 R
5631 Women’s Accessory and Specialty Shops 7 R
5641 Children’s and Infant’s Wear Stores 7 R
5651 Family Clothing Stores 7 R
5655 Sports and Riding Apparel Stores 7 R
5661 Shoe Stores 7 R
5681 Furriers and Fur Shops 7 R
5691 Men’s & Women’s Clothing Stores 7 R
5699 Miscellaneous Apparel and Accessory Shops 7 R
5712 Furniture, Home Furnishings, and Equipment Stores (Except Appliances) 5 R
5812 Eating Places and Restaurants 3 F
5813 Drinking Places: Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques 3 F
5814 Fast Food Restaurants 3 F
5912 Drug Stores and Pharmacies 7 R
5942 Book Stores 5 R
5944 Jewelry Stores, Watches, Clocks, and Silverware Stores 7 R
5960 Direct Marketing: Insurance Services 7 T
5962 Direct Marketing: Travel-Related Arrangement Services 7 T
5966 Direct Marketing: Outbound Telemarketing Merchants 5 T
5967 Direct Marketing: Inbound Teleservices Merchants 5 T
5968 Direct Marketing: Continuity/Subscription Merchants 5 T
5969 Direct Marketing: Other Direct Marketing Merchants (Not Elsewhere Classified) 5 T
5993 Cigar Stores and Stands 7 R
5995 Pet Shops, Pet Foods, and Pet Supplies 7 R
5999 Miscellaneous and Specialty Retail Shops 7 R
7011 Lodging: Hotels, Motels, Resorts, and Central Reservation Services (Not Elsewhere Classified) 2 H
7012 Timeshares 2 R
7273 Dating and Escort Services 7 R
7277 Counseling Services: Debt, Marriage, and Personal 7 R
7299 Miscellaneous Personal Services (Not Elsewhere Classified) 7 R
7311 Advertising Services 5 R
7379 Computer Maintenance, Repair, and Services (Not Elsewhere Classified) 5 T
7399 Business Services (Not Elsewhere Classified) 5 R
7841 Video Tape Rental Stores 3 R
7991 Tourist Attractions and Exhibits 3 R
7995 Betting, Including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks 3 U
7997 Membership Clubs, Country Clubs, and Private Golf Courses 3 R
8111 Legal Services and Attorneys 7 R
8299 Schools and Educational Services (Not Elsewhere Classified) 7 R
8999 Professional Services (Not Elsewhere Classified) 5 R
9399 Government Services (Not Elsewhere Classified) 7 R