MCC (Merchant Category Code)

A four-digit number assigned to a merchant by the card networks. Classifies your business type and affects interchange rates, fraud rules, and compliance requirements.

Key points:

• Assigned by your acquirer, not chosen by you
• Incorrect MCC can cost you money (higher interchange) or trigger compliance issues
• Some MCCs are considered "high risk" and face additional scrutiny

Learn more: MCC Codes Reference | Interchange Reference | Compliance Overview