What is a Merchant Category Code (or MCC)?

An MCC is a numerical code used to categorize business types. A Merchant required to use one of the following MCCs is considered a high risk merchant.

  • 5962 (Direct Marketing – Travel-Related Arrangement Services)
  • 5966 (Direct Marketing – Outbound Telemarketing Merchants)
  • 5967 (Direct Marketing – Inbound Telemarketing Merchants)
  • 7995 (Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks)
  • 5912 (Drug Stores, Pharmacies)
  • 5122 (Drugs, Drug Proprietaries, Druggist Sundries)
  • 5993 (Cigar Stores and Stands), for Merchants that sell cigarettes in a Card-Absent Environment