High-Risk Merchant Category Codes - MCC

A Merchant Category Code (MCC) is a four-digit number used to classify a business entity based on the type of goods or services the company provides. The credit card associations have established rules and regulations that require merchants in certain high-risk MCC codes to be preregistered with the card associations for risk monitoring purposes. These business categories are the industries which predominantly generate the highest levels of cardholder disputes and/or represent brand risk for regulatory reasons.

High-Risk MCC Code Table
The following table lists many of the high-risk MCC codes that require card association high-risk registration and several other business categories for which merchant accounts are also commonly difficult to establish.

MCC
4722
4812
4814
4816
5122
5912
5962
5964
5966
5967
5968
5969
5993
7021
7273
7841
7994
9399
Merchant Category Code
Travel Agencies & Tour Operators
Telecom Equipment & Sales
Telecom Services
Computer Network Services
Drugs, Proprietaries & Sundries
Drug Stores and Pharmacies
Direct Marketing - Travel
Direct Marketing - Catalog Merchant
DM - Outbound Telemarketing
DM - Inbound Teleservices
Direct Marketing - Subscription
Direct Marketing - Other
Cigar Stores and Stands
Timeshares
Dating Services
Video Tape Rental Stores
Video Games and Arcades
Government Services
Description
Charters, Tours & Travel Packages

Telephone & Cable Services
Internet Access


Including Discount Travel Clubs
Mail Order & Telephone Purchases

Including Audiotext & Videotext
Continuity/subscription merchant
Sales via radio or television
Tobacco product merchants
Timeshare rentals, leases and sales
Misc. personal services
CNP Adult Content req
Skill Games requires registration
State Lottery Requires Registration
Registration


Yes
Yes
Yes*
Yes*
Yes

Yes
Yes


Yes*

Yes
Yes*
Yes
Yes

* Registration is required for card-not-present (CNP) environments.

High-Risk Merchant Accounts are difficult to obtain because traditional banks are not prepared to manage these types of merchants, they do not have tools in place to mitigate the associated risks and/or bank policies prohibit providing service to these industries.

From low risk to registered high-risk merchant accounts, Payment Principals offers a complete range of domestic and offshore merchant account solutions. PayPrin has the acquiring bank partnerships, experience and reputation to help high-risk merchants obtain a merchant account.

For more information on these MCC code categories or assistance with obtaining a merchant account, call +1-800-550-1303 or contact Payment Principals online today.

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Merchants
Please click the following link to open a PDF prequalification form
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Agents & Resellers
Please contact PayPrin Sales Support for more information.
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