Merchant Category Codes: Are you a high risk merchant

MCC Codes are maintained by the main credit card networks to identify businesses within an industry or “vertical” based on the goods and services that business provides. Credit card organizations and banks use them for a variety of reasons. They are used for transaction descriptors on bank statements. They are also used for rewards programs among the card companies to determine which purchases give points or miles. But most importantly, for payment processing purposes, these codes are used to classify whether a merchant is a high risk for fraud and chargebacks.

If your business is identified under a high-risk MCC, you have to be extra vigilant against processing fraud and chargebacks. Failure to do so can cost you the ability to process payments by credit card. ChargebackHelp specializes in protecting high-risk merchants from excessive chargebacks. Find out if your business is considered high-risk by the card schemes below by entering your MCC number, your business vertical, or by simply clicking the red “high-risk” tab to see all high-risk MCCs.

Here is the full list of MCC Codes: