MCC code5 min readUpdated October 15, 2026

MCC 7299: Miscellaneous Personal Services (Not Elsewhere Classified), Visa's Full List

MCC 7299 is Visa's catch-all for personal services. Visa's full list, 7299 vs 7399, 8999, 7230 and 7298, Mastercard's wording and processor limits.

Nick Bonnassies, CMO at Tagada · checked against 9 sources

Article summary

TL;DR

MCC 7299 is the merchant category code for personal services that have no more specific code. Visa lists pet boarding, grooming, training and breeding, tattoo and piercing parlors, wedding chapels and planning, water treatment services, taxidermists, apartment rental services and stand-alone tips. It's a last-resort code and isn't on Visa's high-risk list.

Visa defines 7299 as personal services not classified with a more specific MCC. Its list covers pet services, tattoo and piercing, weddings, water treatment, taxidermy, apartment rentals and stand-alone tips.
It's a last-resort code. Hair salons go to 7230, spas to 7298, massage to 7297, dating to 7273, house cleaning to 7349, vets to 0742. Business services go to 7399.
Visa lists apartment rental services under both 7299 and 6513. Mastercard settles it: real estate and apartment rentals use 6513.
7299 isn't on Visa's high-risk list, Visa's Core Rules don't name it, and Stripe supports it without restriction. Przelewy24 on Stripe treats it as restricted.

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On this page

You saw "7299" on a statement or in your processor's settings. It's the card code for personal services that no other code describes. Here is Visa's full list, the codes it's often confused with, and what processors say about it today.

What MCC 7299 means

MCC 7299 is the four-digit merchant category code Visa titles Miscellaneous Personal Services (Not Elsewhere Classified). Its manual defines it in one sentence:1

Merchants classified with this MCC provide personal services that are not classified with a more specific MCC.

Visa, Merchant Data Standards Manual, April 2026, p. 90

Visa's "Included in this MCC" column, word for word, grouped by theme:1

Group	Visa's entries
Animals	Animal Boarding Services – Stables, Kennels etc; Animal Breeders; Animal Grooming Services; Animal Training; Breeders – Animals; Dog Training
Body art	Body Piercing, Tattoo Parlors
Weddings	Wedding Chapels / Planning
Home	Apartment Rental Services; Services – Water Filtration, Purification, Softening Treatments
Tips	Services – Stand-Alone Tipping/Gratuities
Other	Taxidermists; Other Services – Miscellaneous

The tipping entry covers tips paid as a separate card payment. For those, Visa requires the word "Tip" and a name the cardholder recognizes, such as "Tip Famous Golf Club".1

Mastercard uses the same number as Other Services: not elsewhere classified. Its list adds bath houses, house sitting, maid services and animal cremation and burial.3 Stripe calls it "Miscellaneous General Services" (miscellaneous_general_services).4

Like 7399 and 8999, it's a "miscellaneous" code. Visa's rule:1

Use "miscellaneous" MCCs (usually ending in "99") only if there is no MCC specific to the Merchant's business. MCC descriptions are very accurate, and Merchants must only be assigned a "miscellaneous" MCC when no other MCC applies to its business.

Visa, Merchant Data Standards Manual, April 2026, p. 19

Codes it is not: 7299 vs 7399, 8999, 7230 and more

The code follows the activity with the most annual sales.1 Personal services with a code of their own must use it.

MCC	Visa title	Use it when
7299	Miscellaneous Personal Services (Not Elsewhere Classified)	Your personal service is on Visa's list or has no code of its own
7399	Business Services (Not Elsewhere Classified)	You sell to businesses: events, conferences, translation, mailing
8999	Professional Services (Not Elsewhere Classified)	You're a professional: appraiser, broker, planner, researcher
7230	Beauty and Barber Shops	You cut, style or color hair, or do nails and makeup
7298	Health and Beauty Spas	You offer facials, wraps, tanning, steam baths
7297	Massage Parlors	Massage is your main service
7273	Dating Services	You sell dating, online dating or escort services
7277	Counseling Services – Debt, Marriage, and Personal	You counsel people on debt, marriage or addiction
7349	Cleaning, Maintenance, and Janitorial Services	You clean homes or offices
0742	Veterinary Services	You treat animals
6513	Real Estate Agents and Managers – Rentals	You collect rent or manage properties

Source: Visa Merchant Data Standards Manual, April 2026, pages 26 and 86 to 107.1 Visa's other similar merchants for 7299 are 7251 (shoe repair), 7261 (funeral services), 7276 (tax preparation), 7278 (buying and shopping services) and 7296 (clothing rental).

Verdict

Pet grooming, boarding, training and breeding: 7299. Vet care: 0742. Pet products: 5995. Wedding planning: 7299. Conference planning: 7399.

Two overlaps to know:

Apartment rentals. Visa lists "Apartment Rental Services" under 7299 and "Apartment Rentals" under 6513. Mastercard is explicit: real estate agents, brokers, managers and apartment rental services use 6513.1 3 Visa adds that rentals under one month belong on 7011, lodging.1
Cleaning. Mastercard puts maid services on 7299. Visa lists house cleaning and housekeeping services under 7349.1 3

MCC 7299 is not SIC 7299. The US SIC manual's 7299 includes dating services, massage parlors, tanning salons and costume rental.8 In card payments, those have their own codes: 7273, 7297, 7298 and 7296.

Is MCC 7299 high risk?

No. Read at the source on October 14, 2026:

Who	What they say about 7299	Source
Visa, high-risk list	Not listed. The list names 5122, 5912, 5966, 5967, 5993, 7273 and 7995, plus some uses of other codes	Manual, p. 211
Visa Core Rules	7299 isn't named in the April 2026 rules	Core Rules2
Stripe, MCC list	Supported, not restricted. Neighbor 7273 is restricted	Set merchant category codes4
Przelewy24 on Stripe	Listed as restricted: extra information at account creation. P24 also bans real estate management and brokerage	Przelewy24 docs5
Cash App Pay and OXXO on Stripe	7299 isn't on either list. Cash App Pay restricts 7298, OXXO prohibits 7273	Payment method docs6 7

The risk sits with what you sell, not the label. Don't use 7299 to hide a dating or escort service: Visa can fine an acquirer up to USD 25,000 per merchant per month when merchant data is altered to get around its risk programs.2 Our high-risk MCC codes guide has the full list.

One directory, PXP, describes 7299 as recreation, with escape rooms and trampoline parks.9 That's Visa's 7999, recreation services, not 7299.1

For cardholders and merchants

Cardholders. You see 7299 when you paid a groomer, a kennel, a tattoo studio, a wedding chapel or a tip through a tipping app. Each issuer decides what the code earns in points or cashback, so read your card's terms. Your bank can't change a merchant's code. If you don't recognize the charge, search the merchant name, then call your bank.

Merchants. Stripe notes that MCCs are used to calculate interchange fees, authorize payments and prevent fraud.4

Find your code. On Stripe, it's set from the industry you declare, then your website. Elsewhere, check your merchant agreement.
Look for a specific code first. Use the table above. Salons, spas, massage, dating, cleaning and vet care have their own codes.
Check Visa's 7299 list. Pet services, tattoo and piercing, weddings and water treatment belong here.
Ask for a review. Send each provider the current code, the right one, and proof: website, service list, revenue by activity. Each merchant account has its own MCC.

Visa: the MCC describes the business with the highest annual sales. Miscellaneous codes apply only when no other code does.

Step-by-step instructions for Stripe, Adyen, Shopify Payments and PayPal are in how to find your MCC code. How the code feeds into what you pay is in our guide to interchange fees.

Updated on October 15, 2026

Nick Bonnassies

CMO at Tagada

CMO at Tagada. Before Tagada, Nick built direct-to-consumer brands that generated over $115M in sales, raised over $25M in crowdfunding and sold two of them. He also works as a fractional CMO on marketing operations and AI systems.

Frequently asked questions

What is MCC 7299?

MCC 7299 is the merchant category code Visa titles Miscellaneous Personal Services (Not Elsewhere Classified). It covers merchants that provide personal services not classified with a more specific MCC, such as pet boarding, grooming and training, tattoo and piercing parlors, wedding chapels and planning, water treatment services and taxidermists.

What is the difference between MCC 7299 and 7399?

7299 is for personal services sold to individuals. 7399 is for business services that aren't professions, such as event and conference planning, translation and mailing centers. Both are catch-alls. A wedding planner is on 7299, a conference organizer on 7399.

What MCC do pet groomers and tattoo parlors use?

Both use 7299. Visa lists animal grooming, boarding, kennels, training and breeders, and body piercing and tattoo parlors under it. Vets use 0742 and pet shops 5995.

Is MCC 7299 high risk?

No. 7299 isn't on Visa's April 2026 high-risk list, Visa's Core Rules don't name it, and Stripe lists it as supported and not restricted. Przelewy24 on Stripe lists it as restricted, so it asks for extra information at account creation.

Is MCC 7299 the same as SIC code 7299?

No. They share a number and a title, but they are different systems. SIC 7299, a US industry code, includes dating services, massage parlors and tanning salons. In card payments, those have their own MCCs: 7273, 7297 and 7298.

Sources

Checked October 15, 2026

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