Merchant
Category Search
Quickly find merchant category codes and their descriptions. Search by MCC number or category description.
| MCC | Edited Description | Combined Description | USDA Description | IRS Description | IRS Reportable | Action |
|---|---|---|---|---|---|---|
| 742 | Veterinary Services | Yes | ||||
| 763 | Agricultural Co-operatives | Yes | ||||
| 780 | Horticultural Services, Landscaping Services | Yes | ||||
| 1520 | General Contractors-Residential and Commercial | Yes | ||||
| 1711 | Air Conditioning Contractors – Sales and Installation, Heating Contractors – Sales, Service, Installation | Yes | ||||
| 1731 | Electrical Contractors | Yes | ||||
| 1740 | Insulation – Contractors, Masonry, Stonework Contractors, Plastering Contractors, Stonework and Masonry Contractors, Tile Settings Contractors | Yes | ||||
| 1750 | Carpentry Contractors | Yes | ||||
| 1761 | Roofing – Contractors, Sheet Metal Work – Contractors, Siding – Contractors | Yes | ||||
| 1771 | Contractors – Concrete Work | Yes |
Understanding
Merchant Category Codes
MCCs (Merchant Category Codes) are 4-digit identifiers used to classify businesses by the type of services or products they provide. These codes impact everything from how transactions are processed to your risk profile, tax handling, and reward eligibility.
0001–1499
Agricultural Services
1500–2999
Contracted Services
3000–3299
Airlines
3300–3499
Car Rental
3500–3999
Lodging
4000–4799
Transportation Services
4800–4999
Utility Services
5000–5599
Retail Outlet Services
5600–5699
Clothing Stores
5700–7299
Miscellaneous Stores
7300–7999
Business Services
8000–8999
Professional Services
9000–9999
Government Services
0001–1499
Agricultural Services
1500–2999
Contracted Services
3000–3299
Airlines
3300–3499
Car Rental
3500–3999
Lodging
4000–4799
Transportation Services
4800–4999
Utility Services
5000–5599
Retail Outlet Services
5600–5699
Clothing Stores
5700–7299
Miscellaneous Stores
7300–7999
Business Services
8000–8999
Professional Services
9000–9999
Government Services
What are MCCs used for?
MCCs help card networks, processors, and banks identify the nature of a business. They're essential for fraud prevention, tax reporting, compliance, and tracking reward eligibility.
Where can I find my MCC?
Your MCC is typically assigned by your payment processor. You can find it on merchant statements or by reaching out directly to your provider or acquiring bank.
Can a company have a custom MCC?
Larger businesses or those with unique models may receive specific MCCs based on volume or classification needs. This helps ensure accurate reporting and industry-specific risk handling.
