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
• 5541 - Service Stations
• 5712 - Furniture
• 7832 - Cinemas
• 5200 - Household products
• 7997 - Entertainment and sport
• 5310 - Discounters
• 5542 - Gas station
• 5331 - Variety stores
• 5941 - Sports goods
• 5499 - Food stores
• 5300 - Wholesalers
• 5921 - Alcohol
• 5251 - Hardware Stores
• 7011 - Hotels and resorts
• 7538 - Maintenance stations
• 5943 - Stationery
• 5661 - Shoes
• 5699 - Accessories
• 5722 - Household appliance
• 5813 - Bars
• 6300 - Insurance
• 4722 - Tourism
• 5977 - Cosmetics
• 3009 - Air Canada
• 5942 - Book Stores
• 7922 - Tickets
• 5399 - Merchandise stores
• 5995 - Pet supplies
• 5571 - Car dealerships
• 5211 - Building materials
• 7996 - Entertainment
• 7523 - Parking
• 8734 - Testing laboratories
• 3000 - United Airlines
• 4121 - Taxi
• 5137 - Clothing
• 8062 - Hospitals
• 9399 - Government Services
• 4900 - Utilities
• 8220 - Education. University
• 5532 - Tires
• 4816 - Information Services
• 7699 - Repairs
• 4011 - Railway
• 3008 - Lufthansa
• 5811 - Caterers
• 5039 - Building materials
• 5621 - Womens clothing
• 3076 - Aeromexico
• 5441 - Sweets
• 5817 - Applications
• 4829 - Money transfer
• 4111 - Passenger transportation
• 6513 - Rental Property
• 5111 - Chancery
• 5631 - Clothing stores
• 4723 - Tour operators
• 7531 - Auto repair
• 3503 - Sheraton Hotels and Resorts
• 5992 - Florists
• 8999 - Professional services
• 5818 - Digital Goods
• 5297 - Retail stores
• 4899 - The television
• 3020 - Air India
• 4784 - Toll roads
• 3509 - Marriott Hotels
• 5511 - Car dealerships
• 3005 - British Airways
• 7991 - Tourism
• 5552 - Charging stations
• 4215 - Delivery service
• 7298 - Health and beauty
• 3030 - Aerolineas Argentinas
• 5964 - Goods by mail
• 4815 - Telephone services
• 7542 - Car Washes
• 3570 - Grand Met Forum Hotels
• 5999 - Miscellaneous
• 3007 - Air France
• 5734 - Computer Software
• 5013 - Auto Parts
• 7994 - Videogames
• 4511 - Air Carriers, Airlines
• 7512 - Automobile Rental Agency
• 3052 - LATAM Chile Airlines
• 5968 - Subscriptions
• 5422 - Meat
• 8398 - Charity
• 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