3519Westin Hotels
Lodging code for Westin Hotels. Covers room charges, resort fees, and on-property services.
Merchants Using MCC 3519
Well-known businesses assigned this code
Risk Assessment
May require additional documentation or slightly higher processing fees. Some processors apply enhanced monitoring.
Common Use Cases
- Room reservations
- Group bookings
- Loyalty program redemptions
Category Details
- Category
- Lodging
- MCC Range
- 3501–3999
- Description
- Hotels, motels, resorts, and timeshare properties.
Credit Card Rewards
Hotel co-branded cards and premium travel cards earn bonus rewards on hotel charges. Marriott Bonvoy, Hilton Honors, and Chase Sapphire cards are popular choices.
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 3519, this means your westin hotels transactions are automatically sent through the optimal path in your processor stack.
Related Payment Terms
Frequently Asked Questions
What is MCC 3519?
Is MCC 3519 high risk?
What charges appear under MCC 3519?
Tagada Platform
Optimize MCC 3519 payments with Tagada
Tagada's intelligent routing engine optimizes MCC 3519 transactions for the best approval rate, lowest fees, and fastest settlement across your processor stack.
Related MCC Codes
Hilton Hotels
Hilton Hotels & Resorts, Hampton Inn, DoubleTree
Hotels, Motels, & Resorts
Independent hotels, Boutique hotels, Airbnb (some transactions)
Timeshares
Wyndham Destinations, Marriott Vacations, Hilton Grand Vacations
Marriott International
Marriott International reservations, Marriott International front desk, Marriott International online booking