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.

Find out: How We Can Protect Your Processing.

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Here is the full list of MCC Codes:


MCC MCC Title & Desription Risk Level
7623 A/C, Refrigeration RepairNot considered high-risk
8931 Accounting/Bookkeeping ServicesNot considered high-risk
7311 Advertising ServicesNot considered high-risk
763 Agricultural CooperativeNot considered high-risk
3000-3299 AirlinesNot considered high-risk
4511 Airlines, Air CarriersNot considered high-risk
4582 Airports, Flying FieldsNot considered high-risk
4119 Ambulance ServicesNot considered high-risk
7996 Amusement Parks/CarnivalsNot considered high-risk
5937 Antique ReproductionsNot considered high-risk
5932 Antique ShopsNot considered high-risk
7998 AquariumsNot considered high-risk
8911 Architectural/Surveying ServicesNot considered high-risk
5971 Art Dealers and GalleriesNot considered high-risk
5970 Artist’s Supply and Craft ShopsNot considered high-risk
5531 Auto and Home Supply StoresNot considered high-risk
7531 Auto Body Repair ShopsNot considered high-risk
7535 Auto Paint ShopsNot considered high-risk
7538 Auto Service ShopsNot considered high-risk
6011 Automated Cash DisburseNot considered high-risk
5542 Automated Fuel DispensersNot considered high-risk
8675 Automobile AssociationsNot considered high-risk
5533 Automotive Parts and Accessories StoresNot considered high-risk
5532 Automotive Tire StoresNot considered high-risk
9223 Bail and Bond Payments (payment to the surety for the bond, not the actual bond paid to the government agency)Not considered high-risk
5462 BakeriesNot considered high-risk
7929 Bands, OrchestrasNot considered high-risk
7230 Barber and Beauty ShopsNot considered high-risk
7995 Betting/Casino GamblingNot considered high-risk
5940 Bicycle ShopsNot considered high-risk
7932 Billiard/Pool EstablishmentsNot considered high-risk
5551 Boat DealersNot considered high-risk
4457 Boat Rentals and LeasesNot considered high-risk
5942 Book StoresNot considered high-risk
5192 Books, Periodicals, and NewspapersNot considered high-risk
7933 Bowling AlleysNot considered high-risk
4131 Bus LinesNot considered high-risk
8244 Business/Secretarial SchoolsNot considered high-risk
7278 Buying/Shopping ServicesNot considered high-risk
4899 Cable, Satellite, and Other Pay Television and RadioNot considered high-risk
5946 Camera and Photographic Supply StoresNot considered high-risk
5441 Candy, Nut, and Confectionery StoresNot considered high-risk
5511 Car and Truck Dealers (New & Used) Sales, Service, Repairs Parts and LeasingNot considered high-risk
5521 Car and Truck Dealers (Used Only) Sales, Service, Repairs Parts and LeasingNot considered high-risk
3351-3441 Car RentalNot considered high-risk
7512 Car Rental AgenciesNot considered high-risk
7542 Car WashesNot considered high-risk
1750 Carpentry ContractorsNot considered high-risk
7217 Carpet/Upholstery CleaningNot considered high-risk
5811 CaterersNot considered high-risk
8398 Charitable and Social Service Organizations - FundraisingNot considered high-risk
5169 Chemicals and Allied Products (Not Elsewhere Classified)Not considered high-risk
8351 Child Care ServicesNot considered high-risk
5641 Children’s and Infant’s Wear StoresNot considered high-risk
8049 Chiropodists, PodiatristsNot considered high-risk
8041 ChiropractorsNot considered high-risk
5993 Cigar Stores and StandsThis Is A 'high Risk' MCC
8641 Civic, Social, Fraternal AssociationsNot considered high-risk
7349 Cleaning and MaintenanceNot considered high-risk
7296 Clothing Rental Not considered high-risk
8220 Colleges, UniversitiesNot considered high-risk
5046 Commercial Equipment (Not Elsewhere Classified)Not considered high-risk
5139 Commercial FootwearNot considered high-risk
7333 Commercial Photography, Art and GraphicsNot considered high-risk
4111 Commuter Transport, FerriesNot considered high-risk
4816 Computer Network ServicesThis Is A 'high Risk' MCC
7372 Computer ProgrammingNot considered high-risk
7379 Computer RepairNot considered high-risk
5734 Computer Software StoresNot considered high-risk
5045 Computers, Peripherals, and SoftwareNot considered high-risk
1771 Concrete Work ContractorsNot considered high-risk
5039 Construction Materials (Not Elsewhere Classified)Not considered high-risk
7392 Consulting, Public RelationsNot considered high-risk
8241 Correspondence SchoolsNot considered high-risk
5977 Cosmetic StoresNot considered high-risk
7277 Counseling ServicesNot considered high-risk
7997 Country ClubsNot considered high-risk
4215 Courier Services Not considered high-risk
9211 Court Costs, Including Alimony and Child Support - Courts of LawNot considered high-risk
7321 Credit Reporting AgenciesNot considered high-risk
4411 Cruise LinesNot considered high-risk
5451 Dairy Products StoresNot considered high-risk
7911 Dance Hall, Studios, SchoolsNot considered high-risk
7273 Dating/Escort ServicesThis Is A 'high Risk' MCC
8021 Dentists, OrthodontistsNot considered high-risk
5311 Department StoresNot considered high-risk
7393 Detective AgenciesNot considered high-risk
5964 Direct Marketing - Catalog MerchantThis Is A 'high Risk' MCC
5965 Direct Marketing - Combination Catalog and Retail MerchantNot considered high-risk
5967 Direct Marketing - Inbound TeleThis Is A 'high Risk' MCC
5960 Direct Marketing - Insurance ServicesNot considered high-risk
5969 Direct Marketing - Other This Is A 'high Risk' MCC
5966 Direct Marketing - Outbound TelservicesThis Is A 'high Risk' MCC
5968 Direct Marketing - SubscriptionThis Is A 'high Risk' MCC
5962 Direct Marketing - TravelThis Is A 'high Risk' MCC
5310 Discount StoresNot considered high-risk
8011 DoctorsNot considered high-risk
5963 Door-To-Door SalesNot considered high-risk
5714 Drapery, Window Covering, and Upholstery StoresNot considered high-risk
5813 Drinking PlacesNot considered high-risk
5912 Drug Stores and PharmaciesThis Is A 'high Risk' MCC
5122 Drugs, Drug Proprietaries, and Druggist SundriesThis Is A 'high Risk' MCC
7216 Dry CleanersNot considered high-risk
5099 Durable Goods (Not Elsewhere Classified)Not considered high-risk
5309 Duty Free StoresNot considered high-risk
5812 Eating Places, RestaurantsNot considered high-risk
8299 Educational Services Not considered high-risk
5997 Electric Razor StoresNot considered high-risk
1731 Electrical ContractorsNot considered high-risk
5065 Electrical Parts and EquipmentNot considered high-risk
7622 Electronics Repair ShopsNot considered high-risk
5732 Electronics StoresNot considered high-risk
8211 Elementary, Secondary SchoolsNot considered high-risk
7361 Employment/Temp AgenciesNot considered high-risk
7394 Equipment Rental Not considered high-risk
7342 Exterminating ServicesNot considered high-risk
5651 Family Clothing StoresNot considered high-risk
5814 Fast Food RestaurantsNot considered high-risk
6012 Financial InstitutionsNot considered high-risk
9222 Fines - Government Administrative EntitiesNot considered high-risk
5718 Fireplace, Fireplace Screens, and Accessories StoresNot considered high-risk
5713 Floor Covering StoresNot considered high-risk
5992 FloristsNot considered high-risk
5193 Florists Supplies, Nursery Stock, and FlowersNot considered high-risk
5422 Freezer and Locker Meat ProvisionersNot considered high-risk
5983 Fuel Dealers (Non Automotive)Not considered high-risk
7261 Funeral Services, CrematoriesNot considered high-risk
7641 Furniture Repair, RefinishingNot considered high-risk
5712 Furniture, Home Furnishings, and Equipment Stores, Except AppliancesNot considered high-risk
5681 Furriers and Fur ShopsNot considered high-risk
1520 General ContractorsNot considered high-risk
5947 Gift, Card, Novelty, and Souvenir ShopsNot considered high-risk
5231 Glass, Paint, and Wallpaper StoresNot considered high-risk
5950 Glassware, Crystal StoresNot considered high-risk
7992 Golf Courses - PublicNot considered high-risk
9399 Government Services (Not Elsewhere Classified)This Is A 'high Risk' MCC
5411 Grocery Stores, SupermarketsNot considered high-risk
5251 Hardware StoresNot considered high-risk
5072 Hardware, Equipment, and SuppliesNot considered high-risk
7298 Health and Beauty SpasNot considered high-risk
5975 Hearing Aids Sales and SuppliesNot considered high-risk
1711 Heating, Plumbing, A/CNot considered high-risk
5945 Hobby, Toy, and Game ShopsNot considered high-risk
5200 Home Supply Warehouse StoresNot considered high-risk
8062 HospitalsNot considered high-risk
7011 Hotels, Motels, and ResortsNot considered high-risk
3501-3790 Hotels/Motels/Inns/ResortsNot considered high-risk
5722 Household Appliance StoresNot considered high-risk
5085 Industrial Supplies (Not Elsewhere Classified)Not considered high-risk
7375 Information Retrieval ServicesNot considered high-risk
6399 Insurance - DefaultNot considered high-risk
6300 Insurance Underwriting, PremiumsNot considered high-risk
9950 Intra-Company PurchasesNot considered high-risk
5944 Jewelry Stores, Watches, Clocks, and Silverware StoresNot considered high-risk
780 Landscaping ServicesNot considered high-risk
7211 Laundries Not considered high-risk
7210 Laundry, Cleaning ServicesNot considered high-risk
8111 Legal Services, AttorneysNot considered high-risk
5948 Luggage and Leather Goods StoresNot considered high-risk
5211 Lumber, Building Materials StoresNot considered high-risk
6010 Manual Cash DisburseNot considered high-risk
4468 Marinas, Service and SuppliesNot considered high-risk
1740 Masonry, Stonework, and PlasterNot considered high-risk
7297 Massage ParlorsNot considered high-risk
8071 Medical and Dental LabsNot considered high-risk
8099 Medical Services Not considered high-risk
5047 Medical, Dental, Ophthalmic, and Hospital Equipment and SuppliesNot considered high-risk
8699 Membership OrganizationsNot considered high-risk
5611 Men’s and Boy’s Clothing and Accessories StoresNot considered high-risk
5691 Men’s, Women’s Clothing StoresNot considered high-risk
5051 Metal Service CentersNot considered high-risk
5699 Miscellaneous Apparel and Accessory ShopsNot considered high-risk
5599 Miscellaneous Auto Dealers Not considered high-risk
7399 Miscellaneous Business Services Not considered high-risk
5499 Miscellaneous Food Stores - Convenience Stores and Specialty MarketsNot considered high-risk
5399 Miscellaneous General MerchandiseNot considered high-risk
7299 Miscellaneous General ServicesNot considered high-risk
5719 Miscellaneous Home Furnishing Specialty StoresNot considered high-risk
2741 Miscellaneous Publishing and PrintingNot considered high-risk
7999 Miscellaneous Recreation ServicesNot considered high-risk
7699 Miscellaneous Repair ShopsNot considered high-risk
5999 Miscellaneous Specialty RetailNot considered high-risk
5271 Mobile Home DealersNot considered high-risk
7832 Motion Picture TheatersNot considered high-risk
4214 Motor Freight Carriers and Trucking - Local and Long Distance, Moving and Storage Companies, and Local Delivery ServicesNot considered high-risk
5592 Motor Homes DealersNot considered high-risk
5013 Motor Vehicle Supplies and New PartsNot considered high-risk
5571 Motorcycle Shops and DealersNot considered high-risk
5561 Motorcycle Shops, DealersNot considered high-risk
5733 Music Stores-Musical Instruments, Pianos, and Sheet MusicNot considered high-risk
5994 News Dealers and NewsstandsNot considered high-risk
6051 Non-FI, Money OrdersNot considered high-risk
5199 Nondurable Goods (Not Elsewhere Classified)Not considered high-risk
5261 Nurseries, Lawn and Garden Supply StoresNot considered high-risk
8050 Nursing/Personal Care Not considered high-risk
5021 Office and Commercial FurnitureNot considered high-risk
8043 Opticians, EyeglassesNot considered high-risk
8042 Optometrists, OphthalmologistNot considered high-risk
5976 Orthopedic Goods - Prosthetic DevicesNot considered high-risk
8031 OsteopathsNot considered high-risk
5921 Package Stores-Beer, Wine, and LiquorNot considered high-risk
5198 Paints, Varnishes, and SuppliesNot considered high-risk
7523 Parking Lots, GaragesNot considered high-risk
4112 Passenger RailwaysNot considered high-risk
5933 Pawn ShopsNot considered high-risk
5995 Pet Shops, Pet Food, and SuppliesNot considered high-risk
5172 Petroleum and Petroleum ProductsNot considered high-risk
7395 Photo DevelopingNot considered high-risk
7221 Photographic StudiosNot considered high-risk
5044 Photographic, Photocopy, Microfilm Equipment, and SuppliesNot considered high-risk
7829 Picture/Video ProductionNot considered high-risk
5131 Piece Goods, Notions, and Other Dry GoodsNot considered high-risk
5074 Plumbing, Heating Equipment, and SuppliesNot considered high-risk
8651 Political OrganizationsNot considered high-risk
9402 Postal Services - Government OnlyNot considered high-risk
5094 Precious Stones and Metals, Watches and JewelryNot considered high-risk
8999 Professional ServicesNot considered high-risk
4225 Public Warehousing and Storage - Farm Products, Refrigerated Goods, Household Goods, and StorageNot considered high-risk
7338 Quick Copy, Repro, and BlueprintNot considered high-risk
4011 RailroadsNot considered high-risk
6513 Real Estate Agents and Managers - RentalsNot considered high-risk
5735 Record StoresNot considered high-risk
7519 Recreational Vehicle RentalsNot considered high-risk
5973 Religious Goods StoresNot considered high-risk
8661 Religious OrganizationsNot considered high-risk
1761 Roofing/Siding, Sheet MetalNot considered high-risk
7339 Secretarial Support ServicesNot considered high-risk
6211 Security Brokers/DealersNot considered high-risk
5541 Service Stations Not considered high-risk
5949 Sewing, Needlework, Fabric, and Piece Goods StoresNot considered high-risk
7251 Shoe Repair/Hat CleaningNot considered high-risk
5661 Shoe StoresNot considered high-risk
7629 Small Appliance RepairNot considered high-risk
5598 Snowmobile DealersNot considered high-risk
1799 Special Trade ContractorsNot considered high-risk
2842 Specialty CleaningNot considered high-risk
5941 Sporting Goods StoresNot considered high-risk
7032 Sporting/Recreation CampsNot considered high-risk
5655 Sports and Riding Apparel StoresNot considered high-risk
7941 Sports Clubs/FieldsNot considered high-risk
5972 Stamp and Coin StoresNot considered high-risk
5111 Stationary, Office Supplies, Printing and Writing PaperNot considered high-risk
5943 Stationery Stores, Office, and School Supply StoresNot considered high-risk
5996 Swimming Pools SalesNot considered high-risk
5697 Tailors, AlterationsNot considered high-risk
9311 Tax Payments - Government AgenciesNot considered high-risk
7276 Tax Preparation ServicesNot considered high-risk
4121 Taxicabs/LimousinesNot considered high-risk
4812 Telecommunication Equipment and Telephone SalesThis Is A 'high Risk' MCC
4814 Telecommunication ServicesThis Is A 'high Risk' MCC
4821 Telegraph ServicesNot considered high-risk
5998 Tent and Awning ShopsNot considered high-risk
8734 Testing LaboratoriesNot considered high-risk
7922 Theatrical Ticket AgenciesNot considered high-risk
7012 TimesharesThis Is A 'high Risk' MCC
7534 Tire Retreading and RepairNot considered high-risk
4784 Tolls/Bridge FeesNot considered high-risk
7991 Tourist Attractions and ExhibitsNot considered high-risk
7549 Towing ServicesNot considered high-risk
7033 Trailer Parks, CampgroundsNot considered high-risk
4789 Transportation Services (Not Elsewhere Classified)Not considered high-risk
4722 Travel Agencies, Tour OperatorsThis Is A 'high Risk' MCC
7511 Truck StopNot considered high-risk
7513 Truck/Utility Trailer RentalsNot considered high-risk
4723 TUI Travel - GermanyNot considered high-risk
2791 Typesetting, Plate Making, and Related ServicesNot considered high-risk
5978 Typewriter StoresNot considered high-risk
9405 U.S. Federal Government Agencies or DepartmentsNot considered high-risk
5137 Uniforms, Commercial ClothingNot considered high-risk
5931 Used Merchandise and Secondhand StoresNot considered high-risk
4900 Utilities Not considered high-risk
5331 Variety StoresNot considered high-risk
742 Veterinary ServicesNot considered high-risk
7993 Video Amusement Game SuppliesNot considered high-risk
7994 Video Game ArcadesThis Is A 'high Risk' MCC
7841 Video Tape Rental StoresThis Is A 'high Risk' MCC
8249 Vocational/Trade SchoolsNot considered high-risk
7631 Watch/Jewelry RepairNot considered high-risk
7692 Welding RepairNot considered high-risk
5300 Wholesale ClubsNot considered high-risk
5698 Wig and Toupee StoresNot considered high-risk
4829 Wires, Money OrdersNot considered high-risk
5631 Women’s Accessory and Specialty ShopsNot considered high-risk
5621 Women’s Ready-To-Wear StoresNot considered high-risk
5935 Wrecking and Salvage YardsNot considered high-risk