MCC Code
Lookup & Guide
Every Merchant Category Code explained — with risk classification, card network support, and payment processing guidance from the team building the infrastructure.
MCC codes
Categories
High-risk codes
April 2026
High Risk MCCs
1 codes flagged as high-risk by card networks. Higher processing fees and stricter compliance.
View allLow Risk MCCs
47 codes classified as low-risk. Standard processing rates and wide acquirer support.
View allMedium Risk MCCs
2 codes with moderate risk levels. May require additional documentation for processing.
View allAgricultural Services
2 codesAirlines
5 codesUnited Airlines
United Airlines flights · United Express
American Airlines
American Airlines flights · American Eagle
Southwest Airlines
Southwest Airlines flights
Delta Air Lines
Delta Air Lines flights · Delta Connection
Airlines & Air Carriers (Not Elsewhere Classified)
Charter airlines · Regional carriers · Air cargo services
Car Rental
2 codesClothing & Accessories
5 codesMen's & Boys' Clothing & Accessories Stores
Men's Wearhouse · Jos. A. Bank · Brooks Brothers
Women's Ready-to-Wear Stores
Zara · H&M · Ann Taylor · LOFT
Family Clothing Stores
Old Navy · Gap · TJ Maxx · Ross
Men's & Women's Clothing Stores
Banana Republic · J.Crew · Express
Miscellaneous Apparel & Accessory Shops
Shoe stores · Hat shops · Accessory boutiques · Sunglass Hut
Contracted Services
5 codesGeneral Contractors — Residential & Commercial
DR Horton · Lennar · Local home builders
Heating, Plumbing, & Air Conditioning Contractors
Local HVAC companies · Service Experts · ARS/Rescue Rooter
Electrical Contractors
Local electricians · Mr. Electric · Mister Sparky
Masonry, Stonework, Tile, & Plastering
Local masonry contractors · Tile installation companies
Carpentry Contractors
Custom cabinet makers · Framing contractors · Finish carpenters
Electronics & Computers
2 codesFood & Grocery
6 codesGrocery Stores & Supermarkets
Walmart Grocery · Kroger · Whole Foods · Publix
Freezer & Locker Meat Provisioners
ButcherBox · Omaha Steaks · Local butcher shops
Candy, Nut, & Confectionery Stores
See's Candies · Godiva · Local candy shops
Dairy Products Stores
Dairy Queen (retail) · Local dairy shops · Cheese shops
Bakeries
Panera Bread (retail) · Local bakeries · Specialty cake shops
Miscellaneous Food Stores — Convenience Stores, Specialty Markets
7-Eleven · Wawa · Specialty food markets · Health food stores
Home & Furnishing
2 codesLodging
2 codesRetail Stores
8 codesMotor Vehicle Supplies & New Parts
AutoZone · O'Reilly Auto Parts · NAPA
Computers, Peripherals, & Software
Apple Store · Micro Center · Newegg
Department Stores
Macy's · Nordstrom · Target · Kohl's
Variety Stores
Dollar Tree · Dollar General · Five Below
General Merchandise Stores (Not Elsewhere Classified)
Amazon (some transactions) · Costco · BJ's Wholesale
Car & Truck Dealers (New & Used)
CarMax · AutoNation · Local dealerships
Service Stations (with or without Ancillary Services)
Shell · ExxonMobil · BP · Chevron
Automated Fuel Dispensers
Pay-at-pump stations · Automated gas stations
Transportation
6 codesLocal & Suburban Commuter Passenger Transportation
Metro/subway systems · City buses · Commuter rail
Taxicabs & Rideshares
Uber · Lyft · Yellow Cab · Local taxi companies
Bus Lines
Greyhound · FlixBus · Megabus
Motor Freight Carriers, Trucking
FedEx Freight · XPO Logistics · Local trucking companies
Courier Services — Air & Ground
FedEx · UPS · DHL
Airports, Flying Fields, & Airport Terminals
Airport parking · Terminal shops · Airport services
Utilities & Telecom
5 codesTelecommunication Equipment & Telephone Sales
Phone stores · Telecom equipment dealers
Telecommunication Services
AT&T · Verizon · T-Mobile · Local phone companies
Computer Network/Information Services
Internet service providers · CompuServe · Cloud services
Wire Transfers & Money Orders
Western Union · MoneyGram · Wire transfer services
Cable, Satellite, & Pay Television
Comcast/Xfinity · DirecTV · Dish Network · Spectrum
Route payments by MCC code with Tagada
Tagada's payment orchestration engine routes transactions to the optimal processor based on MCC, risk level, and card network — maximizing approval rates for every merchant category.