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 |