What is MCC Code?

A Merchant Category Code (MCC) is a four-digit number assigned to businesses by credit card networks (Visa, MasterCard, American Express, Discover) to classify the type of goods or services they provide. These codes are used for transaction categorization, regulatory compliance, and determining interchange fees.

MCCs play a crucial role for banks, payment processors, and regulatory authorities in identifying and managing different types of transactions. In New Zealand, these codes are widely used by financial institutions, merchants, and tax agencies such as the Inland Revenue Department (IRD) for business classification and GST reporting.

Common MCC Codes in New Zealand

• 5411 - Grocery
• 5814 - Fast Food
• 5651 - Clothes
• 5812 - Cafe. Restaurants
• 5912 - Drug Stores
• 5311 - Department stores
• 5732 - Household appliance
• 5533 - Auto shops
• 5541 - Service Stations
• 5712 - Furniture
• 7832 - Cinemas
• 5200 - Household products
• 7997 - Entertainment and sport
• 5542 - Gas station
• 5310 - Discounters
• 5331 - Variety stores
• 5941 - Sports goods
• 5499 - Food stores
• 5300 - Wholesalers
• 7011 - Hotels and resorts
• 5921 - Alcohol
• 5251 - Hardware Stores
• 7538 - Maintenance stations
• 5943 - Stationery
• 5813 - Bars
• 5661 - Shoes
• 6300 - Insurance
• 5722 - Household appliance
• 5532 - Tires
• 7922 - Tickets
• 5699 - Accessories
• 8220 - Education. University
• 4900 - Utilities
• 5942 - Book Stores
• 5399 - Merchandise stores
• 5977 - Cosmetics
• 4011 - Railway
• 3009 - Air Canada
• 5571 - Car dealerships
• 4722 - Tourism
• 5211 - Building materials
• 5995 - Pet supplies
• 8734 - Testing laboratories
• 5137 - Clothing
• 7298 - Health and beauty
• 5631 - Clothing stores
• 9399 - Government Services
• 7996 - Entertainment
• 3000 - United Airlines
• 7523 - Parking
• 4111 - Passenger transportation
• 5599 - Car dealerships
• 7032 - Recreation
• 5441 - Sweets
• 8062 - Hospitals
• 5816 - Games
• 4121 - Taxi
• 3030 - Aerolineas Argentinas
• 5811 - Caterers
• 7991 - Tourism
• 5621 - Womens clothing
• 4784 - Toll roads
• 3570 - Grand Met Forum Hotels
• 5968 - Subscriptions
• 3007 - Air France
• 5817 - Applications
• 5297 - Retail stores
• 7542 - Car Washes
• 4215 - Delivery service
• 8999 - Professional services
• 3052 - LATAM Chile Airlines
• 5139 - Footwear
• 7994 - Videogames
• 4815 - Telephone services
• 7512 - Automobile Rental Agency
• 3810 - La Costa Resort
• 5511 - Car dealerships
• 8398 - Charity
• 3008 - Lufthansa
• 5818 - Digital Goods
• 5013 - Auto Parts
• 7699 - Repairs
• 5552 - Charging stations
• 4511 - Air Carriers, Airlines
• 6513 - Rental Property
• 3076 - Aeromexico
• 4816 - Information Services
• 5992 - Florists
• 8641 - Public organizations
• 5039 - Building materials
• 3503 - Sheraton Hotels and Resorts
• 5948 - Leather Products
• 5422 - Meat
• 3001 - American Airlines
• 4829 - Money transfer
• 7531 - Auto repair
• 8661 - Organizations, Religious
• 3020 - Air India
• 5734 - Computer Software
• 5111 - Chancery

Latest Merchants:

MCC Categories

Agricultural Services   Airlines   Business Services   Car rent   Cars and vehicles   Clothing stores   Contract services   Entertainment services   Government Services   Hotels / Resorts   Mail / Telephone Sales   Membership оrganizations   Miscellaneous Stores   Not categorized   Personal services   Professional services   Repair services   Retail Outlet Services   Service provider   Transportation Services   Utility Services   Wholesale suppliers and manufacturers