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
• 5533 - Auto shops
• 5732 - Household appliance
• 5311 - Department stores
• 5712 - Furniture
• 5541 - Service Stations
• 7832 - Cinemas
• 5200 - Household products
• 7997 - Entertainment and sport
• 5310 - Discounters
• 5542 - Gas station
• 5941 - Sports goods
• 5331 - Variety stores
• 5499 - Food stores
• 5300 - Wholesalers
• 5251 - Hardware Stores
• 5921 - Alcohol
• 7011 - Hotels and resorts
• 7538 - Maintenance stations
• 5943 - Stationery
• 5661 - Shoes
• 5699 - Accessories
• 5722 - Household appliance
• 5813 - Bars
• 6300 - Insurance
• 3009 - Air Canada
• 5977 - Cosmetics
• 5211 - Building materials
• 7922 - Tickets
• 5942 - Book Stores
• 5399 - Merchandise stores
• 4722 - Tourism
• 5995 - Pet supplies
• 5571 - Car dealerships
• 8062 - Hospitals
• 9399 - Government Services
• 8220 - Education. University
• 5137 - Clothing
• 5532 - Tires
• 4900 - Utilities
• 4121 - Taxi
• 7523 - Parking
• 8734 - Testing laboratories
• 4815 - Telephone services
• 3076 - Aeromexico
• 5811 - Caterers
• 5013 - Auto Parts
• 5621 - Womens clothing
• 4215 - Delivery service
• 7531 - Auto repair
• 5441 - Sweets
• 8999 - Professional services
• 5817 - Applications
• 4816 - Information Services
• 3509 - Marriott Hotels
• 3000 - United Airlines
• 5039 - Building materials
• 5631 - Clothing stores
• 4511 - Air Carriers, Airlines
• 3020 - Air India
• 5992 - Florists
• 5818 - Digital Goods
• 7991 - Tourism
• 4829 - Money transfer
• 3570 - Grand Met Forum Hotels
• 7298 - Health and beauty
• 3005 - British Airways
• 5111 - Chancery
• 7542 - Car Washes
• 5511 - Car dealerships
• 3030 - Aerolineas Argentinas
• 7994 - Videogames
• 4899 - The television
• 5552 - Charging stations
• 4111 - Passenger transportation
• 7512 - Automobile Rental Agency
• 3007 - Air France
• 5964 - Goods by mail
• 8398 - Charity
• 4723 - Tour operators
• 7699 - Repairs
• 3052 - LATAM Chile Airlines
• 5999 - Miscellaneous
• 7996 - Entertainment
• 5734 - Computer Software
• 5422 - Meat
• 3008 - Lufthansa
• 5968 - Subscriptions
• 5816 - Games

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