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.

Search for an MCC code

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