What is a Merchant Category Code (MCC)?

A 4-digit code designated by a Credit Card company that lists the product, service, or line of business of a merchant.

How Does a Merchant Category Code Work?
A merchant category code is first assigned by a Credit Card company, such as Visa or MasterCard, to a Merchant once it begins to accept one those companies’ credit cards. If a merchant is involved in more than one type of business, than the Merchant Category Code will apply to that merchant’s primary line of business.

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