All codesCar RentalLow Risk

7512Car Rental Agencies (Not Elsewhere Classified)

General car rental MCC for agencies without dedicated codes. Includes peer-to-peer car sharing platforms.

Networks:VisaMastercardAmexDiscover

Merchants Using MCC 7512

Well-known businesses assigned this code

TuroSixtLocal car rental agencies

Risk Assessment

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

Common Use Cases

Local car rentals
Peer-to-peer car sharing
Luxury car rentals

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 7512, this means your car rental agencies (not elsewhere classified) transactions are automatically sent through the optimal path in your processor stack.

Related Payment Terms

Authorization Capture Chargeback

Frequently Asked Questions

What is MCC 7512?

MCC 7512 is the general car rental MCC used by agencies that don't have a dedicated brand-specific code.

Does Turo use MCC 7512?

Yes, peer-to-peer car sharing platforms like Turo typically process under MCC 7512.

Is MCC 7512 recognized for credit card rental insurance?

Most credit cards recognize MCC 7512 for auto rental collision damage waiver benefits.

Tagada Platform

Optimize MCC 7512 payments with Tagada

Tagada's intelligent routing engine optimizes MCC 7512 transactions for the best approval rate, lowest fees, and fastest settlement across your processor stack.

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Related MCC Codes

3351