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
• 5533 - Auto shops
• 5732 - Household appliance
• 5541 - Service Stations
• 5712 - Furniture
• 7832 - Cinemas
• 5200 - Household products
• 5542 - Gas station
• 7997 - Entertainment and sport
• 5310 - Discounters
• 5331 - Variety stores
• 7011 - Hotels and resorts
• 5300 - Wholesalers
• 5499 - Food stores
• 5941 - Sports goods
• 5921 - Alcohol
• 4900 - Utilities
• 5251 - Hardware Stores
• 7922 - Tickets
• 7538 - Maintenance stations
• 5722 - Household appliance
• 5943 - Stationery
• 5813 - Bars
• 5661 - Shoes
• 5699 - Accessories
• 5532 - Tires
• 5211 - Building materials
• 5977 - Cosmetics
• 6300 - Insurance
• 4722 - Tourism
• 9399 - Government Services
• 5297 - Retail stores
• 5995 - Pet supplies
• 5399 - Merchandise stores
• 5942 - Book Stores
• 5571 - Car dealerships
• 4011 - Railway
• 3009 - Air Canada
• 8220 - Education. University
• 4121 - Taxi
• 7996 - Entertainment
• 5816 - Games
• 7523 - Parking
• 3007 - Air France
• 5811 - Caterers
• 4899 - The television
• 5511 - Car dealerships
• 5094 - Jewelry
• 7032 - Recreation
• 5631 - Clothing stores
• 8062 - Hospitals
• 5818 - Digital Goods
• 3000 - United Airlines
• 8734 - Testing laboratories
• 7298 - Health and beauty
• 4511 - Air Carriers, Airlines
• 5599 - Car dealerships
• 4816 - Information Services
• 5441 - Sweets
• 8999 - Professional services
• 4111 - Passenger transportation
• 5021 - Furniture
• 8398 - Charity
• 3509 - Marriott Hotels
• 5137 - Clothing
• 5960 - Insurance
• 3030 - Aerolineas Argentinas
• 5039 - Building materials
• 4723 - Tour operators
• 8641 - Public organizations
• 3570 - Grand Met Forum Hotels
• 5139 - Footwear
• 5621 - Womens clothing
• 9950 - In-company purchases
• 4215 - Delivery service
• 5964 - Goods by mail
• 3052 - LATAM Chile Airlines
• 5817 - Applications
• 7531 - Auto repair
• 2842 - Specialty Cleaning
• 5552 - Charging stations
• 4784 - Toll roads
• 5999 - Miscellaneous
• 8661 - Organizations, Religious
• 3810 - La Costa Resort
• 3008 - Lufthansa
• 4411 - Cruise Lines
• 5968 - Subscriptions
• 3076 - Aeromexico
• 5111 - Chancery
• 4815 - Telephone services
• 6012 - Financial services
• 5422 - Meat
• 7991 - Tourism
• 5013 - Auto Parts

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