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
• 5541 - Service Stations
• 5912 - Drug Stores
• 5311 - Department stores
• 5533 - Auto shops
• 5732 - Household appliance
• 5712 - Furniture
• 5542 - Gas station
• 7832 - Cinemas
• 5200 - Household products
• 7997 - Entertainment and sport
• 7011 - Hotels and resorts
• 5310 - Discounters
• 5331 - Variety stores
• 5300 - Wholesalers
• 5941 - Sports goods
• 5499 - Food stores
• 5921 - Alcohol
• 4900 - Utilities
• 5251 - Hardware Stores
• 7538 - Maintenance stations
• 7922 - Tickets
• 5699 - Accessories
• 6300 - Insurance
• 5722 - Household appliance
• 5813 - Bars
• 5211 - Building materials
• 5943 - Stationery
• 5661 - Shoes
• 5977 - Cosmetics
• 8220 - Education. University
• 5532 - Tires
• 4722 - Tourism
• 5297 - Retail stores
• 5399 - Merchandise stores
• 3009 - Air Canada
• 5571 - Car dealerships
• 9399 - Government Services
• 5995 - Pet supplies
• 5942 - Book Stores
• 4011 - Railway
• 3509 - Marriott Hotels
• 3007 - Air France
• 8734 - Testing laboratories
• 4111 - Passenger transportation
• 5811 - Caterers
• 4511 - Air Carriers, Airlines
• 5511 - Car dealerships
• 5816 - Games
• 5094 - Jewelry
• 7298 - Health and beauty
• 5552 - Charging stations
• 8999 - Professional services
• 4815 - Telephone services
• 8062 - Hospitals
• 4121 - Taxi
• 5631 - Clothing stores
• 3000 - United Airlines
• 8398 - Charity
• 4816 - Information Services
• 5021 - Furniture
• 5968 - Subscriptions
• 7994 - Videogames
• 5818 - Digital Goods
• 7523 - Parking
• 5599 - Car dealerships
• 8099 - Medical services
• 5441 - Sweets
• 7032 - Recreation
• 7996 - Entertainment
• 5734 - Computer Software
• 5137 - Clothing
• 4899 - The television
• 6012 - Financial services
• 7833 - Cinemas
• 5815 - Digital Goods
• 5045 - Computers and software
• 7297 - Massage
• 4814 - Mobile connection
• 5992 - Florists
• 3052 - LATAM Chile Airlines
• 5139 - Footwear
• 5621 - Womens clothing
• 2842 - Specialty Cleaning
• 8299 - Education
• 5960 - Insurance
• 3570 - Grand Met Forum Hotels
• 3008 - Lufthansa
• 5993 - Tobacco products
• 7542 - Car Washes
• 3076 - Aeromexico
• 5013 - Auto Parts
• 6513 - Rental Property
• 5964 - Goods by mail
• 7991 - Tourism
• 3691 - Dillon Inn
• 5817 - Applications

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