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MCC Lookup Tool
Use the MCC lookup to decode merchant category codes and understand how card networks classify a business. MCC context can affect interchange, rewards, risk review, compliance rules, and some transaction decline scenarios.
What is an MCC?
A merchant category code is a four-digit identifier that describes the primary goods or services a merchant provides.
Learn more about Merchant category code in our glossary →MCCs help issuers, acquirers, and networks classify transactions consistently across many types of businesses.
The assigned category can influence fees, rewards eligibility, high-risk review, and whether restricted payment methods are accepted.
When a legitimate payment fails, MCC context can help reveal whether category restrictions or risk rules contributed to the decline.
How to use the MCC lookup
- 1
Search by code or business type
Enter a four-digit MCC or search by a product, service, or industry description.
- 2
Compare the category
Review the description and confirm whether it matches the merchant activity you are investigating.
- 3
Put it to work
Use the MCC for payment troubleshooting, reporting, onboarding checks, and decline analysis.
MCC ranges at a glance
| Range | Typical category |
|---|---|
| 0001-1499 | Agricultural services |
| 1500-2999 | Contracted services |
| 3000-3999 | Travel, airlines, car rental, and lodging |
| 4000-4999 | Transportation and utilities |
| 5000-7299 | Retail, apparel, and miscellaneous stores |
| 7300-7999 | Business services |
| 8000-9999 | Professional, membership, and government services |