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).

3Dining & Entertainment
4Vehicle Expenses
5Office Services & Merchandise
6Cash Advance
AAutomobile & Vehicle Rentals
CCash Disbursements
HHotels & Motels
0College & School Expenses, Hospitals
PPayment Service Providers
RAll Other Merchants, U.S. Post Exchange, Cardholder-Activated Terminals
TPre-Authorized Mail/Telephone Orders
UUnique Transaction Quasi-Cash Disbursements, Cardholder-Activated Terminals
XAirlines, Railroads, Travel Agencies, Transportation
ZCash 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.

4411Steamship and Cruise Lines1H
4511Airlines and Air Carries (Not Elsewhere Classified)1X
4722Travel Agencies and Tour OperatorsA1
4813Special Telecom MerchantsN/AT
4814Telecommunication Services, Including Local and Long Distance Calls, Credit Card Calls, and Facsimile Services5T
4816Computer Network/Information Services5T
5021Office and Commercial Furniture5T
5094Precious Stones, Metals, Watches, and Jewelry7T
5111Stationery, Office Supplies, Printing, and Writing Paper5T
5122Drugs, Drug Proprietaries, and Druggist Sundries7T
5192Books, Periodicals, and Newspapers5T
5300Wholesale Clubs7R
5411Grocery Stores and Supermarkets7R
5422Freezer and Locker Meat Provisioners7R
5441Candy, Nut, and Confectionery Stores7R
5451Dairy Products Stores7R
5499Miscellaneous Food Stores, Convenience Stores and Specialty Markets7R
5611Men’s & Boy’s Clothing and Accessories Stores7R
5621Women’s Ready-to-Wear Stores7R
5631Women’s Accessory and Specialty Shops7R
5641Children’s and Infant’s Wear Stores7R
5651Family Clothing Stores7R
5655Sports and Riding Apparel Stores7R
5661Shoe Stores7R
5681Furriers and Fur Shops7R
5691Men’s & Women’s Clothing Stores7R
5699Miscellaneous Apparel and Accessory Shops7R
5712Furniture, Home Furnishings, and Equipment Stores (Except Appliances)5R
5812Eating Places and Restaurants3F
5813Drinking Places: Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques3F
5814Fast Food Restaurants3F
5912Drug Stores and Pharmacies7R
5942Book Stores5R
5944Jewelry Stores, Watches, Clocks, and Silverware Stores7R
5960Direct Marketing: Insurance Services7T
5962Direct Marketing: Travel-Related Arrangement Services7T
5966Direct Marketing: Outbound Telemarketing Merchants5T
5967Direct Marketing: Inbound Teleservices Merchants5T
5968Direct Marketing: Continuity/Subscription Merchants5T
5969Direct Marketing: Other Direct Marketing Merchants (Not Elsewhere Classified)5T
5993Cigar Stores and Stands7R
5995Pet Shops, Pet Foods, and Pet Supplies7R
5999Miscellaneous and Specialty Retail Shops7R
7011Lodging: Hotels, Motels, Resorts, and Central Reservation Services (Not Elsewhere Classified)2H
7273Dating and Escort Services7R
7277Counseling Services: Debt, Marriage, and Personal7R
7299Miscellaneous Personal Services (Not Elsewhere Classified)7R
7311Advertising Services5R
7379Computer Maintenance, Repair, and Services (Not Elsewhere Classified)5T
7399Business Services (Not Elsewhere Classified)5R
7841Video Tape Rental Stores3R
7991Tourist Attractions and Exhibits3R
7995Betting, Including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks3U
7997Membership Clubs, Country Clubs, and Private Golf Courses3R
8111Legal Services and Attorneys7R
8299Schools and Educational Services (Not Elsewhere Classified)7R
8999Professional Services (Not Elsewhere Classified)5R
9399Government Services (Not Elsewhere Classified)7R