All codesCar RentalLow Risk

3351Hertz Car Rental

Hertz's dedicated car rental MCC. Like airlines, major car rental companies have brand-specific codes.

Networks:VisaMastercardAmexDiscover

Merchants Using MCC 3351

Well-known businesses assigned this code

Hertz rental locationsHertz Gold Plus Rewards

Risk Assessment

Standard processing rates. Most payment processors accept this MCC with minimal additional requirements.

Common Use Cases

  • Car rentals
  • Fleet management
  • Corporate accounts

Category Details

Category
Car Rental
MCC Range
3351–3500
Description
Car and vehicle rental agencies.

Credit Card Rewards

Bonus CategoryTravel
Typical Earning2x–3x

Car rental transactions typically fall under travel bonus categories. Premium travel cards may also provide complimentary rental insurance.

Why MCC Codes Matter for Your Business

Your MCC code directly affects how card networks and processors treat your transactions.

Approval Rate Impact

Processors have different acceptance rates per MCC. A misclassified code can silently tank your approval rate by 5-15%, costing revenue on every declined transaction.

Interchange Fees

The interchange fee you pay on every transaction is directly tied to your MCC code. Some categories pay 0.5% less per transaction — at scale, that compounds into significant savings or hidden costs.

Chargeback Thresholds

Visa and Mastercard set different chargeback monitoring thresholds per MCC category. High-risk MCCs face stricter limits — exceeding them triggers fines, reserve requirements, or account termination.

Wrong MCC = Serious Risk

An incorrect MCC assignment means you could be paying inflated fees, hitting the wrong chargeback program, or worse — facing account termination for "MCC mismatch" during a processor audit.

Tagada Optimizes Routing by MCC Code

Tagada's payment orchestration engine analyzes your MCC code to route each transaction to the processor with the highest approval rate and lowest fees for that specific merchant category. For MCC 3351, this means your hertz car rental transactions are automatically sent through the optimal path in your processor stack.

Related Payment Terms

Frequently Asked Questions

What is MCC 3351?

MCC 3351 is the dedicated merchant category code for Hertz car rental transactions.

Do all car rental companies have unique MCC codes?

Major companies like Hertz (3351), Avis (3352), National (3353), and Budget (3354) have unique codes. Smaller companies use MCC 7512.

Does MCC 3351 trigger travel insurance benefits?

Yes, most travel credit cards recognize car rental MCCs like 3351 for rental car insurance benefits.

Tagada Platform

Optimize MCC 3351 payments with Tagada

Tagada's intelligent routing engine optimizes MCC 3351 transactions for the best approval rate, lowest fees, and fastest settlement across your processor stack.