What the code does
A merchant category code helps classify transactions for pricing, authorization and monitoring. It is one part of the review, not permission to sell a restricted product.
What to give the acquirer
- Your actual products and intended research use
- The buyers and channels you serve
- The live storefront and labels
- Supplier and fulfillment information requested during review
If classification is unclear
Ask the acquirer to explain the assigned code and confirm category acceptance in writing. If a code does not describe the business, raise it before processing.
No workaround codeAn unrelated code does not make a prohibited business acceptable. Correct classification and accurate disclosure belong in the same application.