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
• 5200 - Household products
• 7997 - Entertainment and sport
• 7011 - Hotels and resorts
• 5331 - Variety stores
• 5310 - Discounters
• 5300 - Wholesalers
• 5499 - Food stores
• 5941 - Sports goods
• 4900 - Utilities
• 5921 - Alcohol
• 5251 - Hardware Stores
• 7922 - Tickets
• 5977 - Cosmetics
• 7538 - Maintenance stations
• 5699 - Accessories
• 5722 - Household appliance
• 5211 - Building materials
• 5813 - Bars
• 6300 - Insurance
• 8220 - Education. University
• 5943 - Stationery
• 5661 - Shoes
• 9399 - Government Services
• 4722 - Tourism
• 5532 - Tires
• 4011 - Railway
• 7298 - Health and beauty
• 5995 - Pet supplies
• 4511 - Air Carriers, Airlines
• 5297 - Retail stores
• 5399 - Merchandise stores
• 3009 - Air Canada
• 5571 - Car dealerships
• 5942 - Book Stores
• 4111 - Passenger transportation
• 5734 - Computer Software
• 8999 - Professional services
• 8062 - Hospitals
• 5094 - Jewelry
• 8398 - Charity
• 4815 - Telephone services
• 4121 - Taxi
• 5811 - Caterers
• 5999 - Miscellaneous
• 3000 - United Airlines
• 5511 - Car dealerships
• 5816 - Games
• 7032 - Recreation
• 5552 - Charging stations
• 4816 - Information Services
• 7994 - Videogames
• 7523 - Parking
• 6012 - Financial services
• 5631 - Clothing stores
• 5021 - Furniture
• 8099 - Medical services
• 7996 - Entertainment
• 5968 - Subscriptions
• 5818 - Digital Goods
• 5137 - Clothing
• 5599 - Car dealerships
• 8734 - Testing laboratories
• 4899 - The television
• 5441 - Sweets
• 3509 - Marriott Hotels
• 3007 - Air France
• 8299 - Education
• 5975 - Hearing Aids
• 3052 - LATAM Chile Airlines
• 5139 - Footwear
• 2842 - Specialty Cleaning
• 5611 - Mens clothing
• 5948 - Leather Products
• 7542 - Car Washes
• 3570 - Grand Met Forum Hotels
• 5815 - Digital Goods
• 3008 - Lufthansa
• 7991 - Tourism
• 7512 - Automobile Rental Agency
• 3076 - Aeromexico
• 5172 - Petroleum
• 5621 - Womens clothing
• 5013 - Auto Parts
• 8071 - Medicine and dentistry
• 5960 - Insurance
• 7699 - Repairs
• 3691 - Dillon Inn
• 5111 - Chancery

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