An acquirer-assigned business classification, not permission to sell restricted products.
The code can influence pricing, authorization and monitoring.
The acquiring bank assigns the code during setup. Ask it to explain an unclear classification.
An unrelated code does not authorize products the provider does not accept.
An MCC is a four-digit merchant category code used to classify a business in payment processing. The acquirer assigns it during account setup.
The code should reflect the actual business. It is not permission to sell products a provider does not accept.
The code can affect transaction pricing, authorization and monitoring. Product acceptance still depends on the provider's review and rules.
Ask the acquirer to explain the classification. Provide the real products, buyers and channels. Do not use an unrelated category to avoid disclosure or restrictions.
Provide the actual products, buyers and channels. There is no universal research-supply code Scale can assign on your behalf.
Read the research MCC guide →See what the service includes and how to take the next step for your business.