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
• 5812 - Cafe. Restaurants
• 5651 - Clothes
• 5541 - Service Stations
• 5912 - Drug Stores
• 5311 - Department stores
• 5533 - Auto shops
• 5732 - Household appliance
• 5542 - Gas station
• 5712 - Furniture
• 7832 - Cinemas
• 7997 - Entertainment and sport
• 3502 - Best Western Hotels & Resorts
• 5200 - Household products
• 7011 - Hotels and resorts
• 5331 - Variety stores
• 5310 - Discounters
• 5300 - Wholesalers
• 5499 - Food stores
• 5941 - Sports goods
• 4900 - Utilities
• 5921 - Alcohol
• 5251 - Hardware Stores
• 5813 - Bars
• 5977 - Cosmetics
• 7531 - Auto repair
• 7538 - Maintenance stations
• 7922 - Tickets
• 9399 - Government Services
• 5722 - Household appliance
• 8220 - Education. University
• 5943 - Stationery
• 5661 - Shoes
• 6300 - Insurance
• 5699 - Accessories
• 5211 - Building materials
• 5532 - Tires
• 4011 - Railway
• 8398 - Charity
• 4722 - Tourism
• 7298 - Health and beauty
• 5571 - Car dealerships
• 5942 - Book Stores
• 5441 - Sweets
• 6012 - Financial services
• 4816 - Information Services
• 5297 - Retail stores
• 4111 - Passenger transportation
• 3009 - Air Canada
• 5399 - Merchandise stores
• 8299 - Education
• 5995 - Pet supplies
• 4899 - The television
• 4511 - Air Carriers, Airlines
• 5999 - Miscellaneous
• 5816 - Games
• 8999 - Professional services
• 5552 - Charging stations
• 5631 - Clothing stores
• 3007 - Air France
• 4815 - Telephone services
• 4215 - Delivery service
• 5261 - Garden accessories
• 7338 - Copy centers
• 8661 - Organizations, Religious
• 5094 - Jewelry
• 5968 - Subscriptions
• 5818 - Digital Goods
• 5172 - Petroleum
• 7032 - Recreation
• 5021 - Furniture
• 5599 - Car dealerships
• 3000 - United Airlines
• 7991 - Tourism
• 5975 - Hearing Aids
• 8062 - Hospitals
• 4829 - Money transfer
• 5734 - Computer Software
• 7994 - Videogames
• 4812 - Telecommunication equipment
• 7523 - Parking
• 4121 - Taxi
• 8734 - Testing laboratories
• 5811 - Caterers
• 5511 - Car dealerships
• 7996 - Entertainment
• 4131 - Transportation. Bus
• 5137 - Clothing
• 3509 - Marriott Hotels
• 5983 - Fuel
• 8099 - Medical services
• 3810 - La Costa Resort
• 8641 - Public organizations
• 5047 - Medical equipment
• 6010 - Сashier's office
• 3501 - Holiday Inns
• 5964 - Goods by mail
• 5817 - Applications
• 9211 - Court

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