High Risk MCCs Required to Sign Up for Alerts and RDR
| MCC | MCC Title | MCC Description |
|---|---|---|
| 4112 | Passenger Railways | Merchants classified with this MCC are railroads that primarily provide long distance passenger transportation. This may or may not include overnight accommodations on the train during long distance travel. |
| 4121 | Taxicabs and Limousines | Merchants classified with this MCC provide transportation services by automobile and do not operate on a regular schedule or established route. This MCC includes ride-share merchants. |
| 4131 | Bus Lines | Merchants classified with this MCC provide passenger bus transportation services on a regular schedule over predetermined routes. Not included are charter and tour bus operators. |
| 4722 | Travel Agencies and Tour Operators | Merchants classified with this MCC provide travel information and booking services. They act as agents on behalf of travelers in booking and ticketing air, land, or sea transportation and/or accommodation. They also arrange and assemble tours for sale through a travel agent or directly to the consumer. Bus charters and tour bus operators are included in this MCC. |
| 4812 | Telecommunication Equipment and Telephone Sales | Merchants classified with this MCC sell telecommunications equipment such as telephones, fax machines, pagers, mobile phones, and other equipment related to telecommunications |
| 4814 | Telecommunication Services, including Local and Stripe-Reading Telephones, and Fax Services | Merchants classified with this MCC provide telecommunications services including local and long-distance telephone calls, calls placed through the use of magnetic stripe-reading telephones, and fax services. Merchants that provide periodic (e.g., monthly) billing of telephone calls should be classified with this MCC |
| 4816 | Computer Network/ Information Services | Merchants classified with this MCC provide internet access. This MCC includes all merchants that provide computer network and information services and internet service providers. |
| 4829 | Money Transfer | Merchants classified with this MCC allow customers to transfer funds via an electronic funds transfer / wire transfer / remittance to a named entity (both card-present and card-absent locations including on the premises of the merchant and third-party agents such as casinos, truck stops, or check-cashing storefronts) or via an original credit transaction (e.g., via Visa Direct or Person to Person [P2P] payments). A Merchant that transfers non-fiat currency such as cryptocurrency must include all required data in the authorization request and clearing record. |
| 5122 | Drugs, Drug Proprietaries, and Druggist Sundries | Merchants classified with this MCC are business-to-business or wholesale distributors of prescription drugs, proprietary drugs, vitamins, druggists' sundries and toiletries, antiseptics, bandages, pharmaceuticals, and biological or related products. |
| 5399 | Miscellaneous General Merchandise | Merchants classified with this MCC sell a general line of merchandise. Generally, these merchants sell the same type of merchandise and operate in the same manner as a department store, but on a much smaller scale. |
| 5499 | Miscellaneous Food Stores - Convenience Stores and Specialty Markets | Merchants classified with this MCC sell specialty foods not classified with a more specific MCC. |
| 5521 | Car and Truck Dealers (Used Only) Sales, Service, Repairs, Parts, and Leasing | Merchants classified with this MCC sell and/or lease only used automobiles, trucks, pickups and vans and may also conduct repair work and sell replacement parts and accessories. |
| 5592 | Motor Homes Dealers | Merchants classified with this MCC sell new and used motor homes and related parts and accessories. |
| 5691 | Men's and Women's Clothing Stores | Merchants classified with this MCC sell men's and women's clothing and accessories but not infants' and children's clothing. |
| 5712 | Furniture, Home Furnishings, and Equipment Stores, Except Appliances | Merchants classified with this MCC sell home furnishings and a wide variety of finished furniture products and accessories for the home. |
| 5815 | Digital Goods Media - Books, Movies, Digital artwork/images, Music | Merchants classified with this MCC sell books, movies, digital artwork/images or music that is delivered in electronic format. |
| 5816 | Digital Goods - Games | Merchants classified with this MCC sell games (including games of skill but excluding games of chance) that are delivered in electronic format. |
| 5817 | Digital Goods - Applications (Excludes Games) | Merchants classified with this MCC sell applications or software (excludes games) that are delivered in electronic format. |
| 5818 | Digital Goods - Large Digital Goods Merchant | All regions (excluding Europe): Merchants classified with this MCC are large-volume merchants that sell digital goods (goods delivered via electronic format) with a minimum threshold of 25 million transactions annually. |
| 5912 | Drug Stores and Pharmacies | Merchants classified with this MCC sell prescription and proprietary drugs, nonprescription (over-the-counter) medicines, vitamins, cannabis (where legal to do so) and may also sell related items such as cosmetics, toiletries, tobacco, heating pads, back supports, novelty merchandise, greeting cards, and a limited supply of food items. |
| 5933 | Pawn Shops | Merchants classified with this MCC lend money in exchange for personal property left with the merchants as security. |
| 5941 | Sporting Goods Stores | Merchants classified with this MCC sell sporting goods, sports equipment, camping supplies, and related parts and accessories, and may also rent or repair equipment. |
| 5960 | Direct Marketing - Insurance Services | Merchants classified with this MCC sell insurance via direct mail, billing statement stuffers, and magazine or television ads, all of which include either a toll-free telephone number or an address to which prospective customers may respond. |
| 5961 | Mail Order Houses Including Catalog Order Stores, Book/Record Clubs (No longer permitted for .S. original presentments) | |
| 5963 | Door-To-Door Sales | Merchants classified with this MCC sell a variety of products by means of house-to-house visits. |
| 5964 | Direct Marketing - Catalog Merchant | Merchants classified with this MCC sell a variety of goods via catalogs and offer no means by which customers may purchase products in a face-to-face manner. |
| 5965 | Direct Marketing - Combination Catalog and Retail Merchant | Merchants classified with this MCC sell a variety of goods via catalog and one or more retail outlets. MCC 5965 is used for goods sold via catalog, while the MCC relevant to what is sold in the retail outlets is used for goods sold in the retail outlets. |
| 5968 | Direct Marketing - Continuity/Subscription Merchant | Merchants classified with this MCC sell subscription products for delivery (such as book clubs, collectibles, magazines/newspapers cosmetics, food, clothing, “nutraceuticals”) via “direct” mail, email. apps, or salespeople. Merchants not participating in direct marketing activities that happen to offer recurring purchase transactions should use the MCC that best describes their business instead. For example, Merchants providing the ongoing delivery of television/radio/streaming content on a subscription basis must use MCC 4899 |
| 5969 | Direct Marketing - Other Direct Marketers (Not Elsewhere Classified) | Merchants classified with this MCC sell products or services through a variety of direct response methods that include an order form or an address and/or telephone number the customer may use to place an order by mail, telephone, or fax and that are not classified with a more specific MCC. |
| 5993 | Cigar Stores and Stands | Merchants classified with this MCC sell tobacco, cigarettes, electronic cigarettes, cigars, pipes, and smokers' supplies. |
| 5999 | Miscellaneous and Specialty Retail Shops | Merchants classified with this MCC sell unique or specialized products that are not classified with a more specific MCC. |
| 6012 | Financial Institutions - Merchandise, Services, and Debt Repayment | This MCC must be used by Financial Institutions for the purchase of merchandise or services or the repayment of loans & debts. “Financial Institution” includes banks, savings and loans, thrifts, and credit unions. For example: the purchase of checks, other financial products, or promotional merchandise, deposits, the funding of an account, the purchase or reload of a stored value card, the purchase of foreign currency, non-fiat currency (for example: cryptocurrency), money orders (a negotiable paper-based remittance - not a Money Transfer), travelers cheques, and loan fees or financial counseling service fees. This MCC must also be used for the repayment of a debt, loan, or credit card balance by a cardholder to the financial institution. A Financial Institution that sells non-fiat currency such as cryptocurrency must include all required data in the authorization request and clearing record. |
| 6051 | Non-Financial Institutions - Foreign Currency, Non-Fiat Currency (for example: Cryptocurrency), Money Orders (Not Money Transfer), Account Funding (not Stored Value Load), Travelers Cheques, and Debt Repayment | This MCC must be used for the funding of an account (excluding prepaid card loads), the purchase of foreign currency, non-fiat currency (for example: cryptocurrency), money orders, or travelers cheques that occurs at non-Financial Institutions such as currency exchanges or money order (a negotiable paper based remittance - not a Money Transfer) merchants. This MCC must also be used for the repayment of a loan or debt if the entity that holds the debt is not a financial institution. A merchant that sells non-fiat currency such as cryptocurrency must include all required data in the authorization request and clearing record. All other transactions at the same merchant location must use the appropriate MCC for those transactions. |
| 6211 | Security Brokers/Dealers | Merchants classified with this MCC are licensed, in all jurisdictions they sell into to buy, sell and broker securities, stocks, bonds, commodities, and mutual funds. |
| 6540 | Non-Financial Institutions - Stored Value Card Purchase/Load | This MCC must be used by merchants whose primary business is the sale of and/or any subsequent reloads of stored value cards/accounts (including Visa Prepaid Cards) occurring at non-financial institutions. This MCC is not applicable for use with Staged Digital Wallet Operators (SDWO). |
| 7012 | Timeshares | Merchants classified with this MCC sell, lease, and rent timeshares and arrange timeshare condominium exchanges. |
| 7273 | Dating Services | Merchants classified with this MCC provide dating and escort services, including online services. |
| 7277 | Counseling Services - Debt, Marriage, and Personal | Merchants classified with this MCC provide a variety of personal counseling services, such as debt and financial counseling, marriage counseling, family counseling, and alcohol and drug abuse counseling. |
| 7297 | Massage Parlors | Merchants classified with this MCC specialize in providing therapeutic massage services, and may also provide other personal services such as spa treatments and rent saunas or hot tubs for customer use. |
| 7299 | Miscellaneous Personal Services (Not Elsewhere Classified) | Merchants classified with this MCC provide personal services that are not classified with a more specific MCC. |
| 7321 | Consumer Credit Reporting Agencies | Merchants classified with this MCC provide consumer credit reporting services such as credit investigation, credit clearinghouses, and other related services. |
| 7322 | Debt Collection Agencies | Merchants primarily engaged in collecting debts in default owed to others or that were originally owed to others. Merchants that collects payments of overdue receivables under contract or that collects overdue receivables that they have purchased from a third party. |
| 7361 | Employment Agencies and Temporary Help Services | Merchants classified with this MCC provide employment services for those seeing employees or employment. |
| 7372 | Computer Programming, Data Processing, and Integrated Systems Design Services | Merchants classified with this MCC provide computer programming services, systems design, website design, data entry, and data processing services. |
| 7399 | Business Services (Not Elsewhere Classified) | Merchants classified with this MCC provide business services that are not typically considered to be “professions” and are not classified with a more specific MCC. |
| 7519 | Motor Home and Recreational Vehicle Rentals | Merchants classified with this MCC rent motor homes, RVs, campers, tent trailers, and other recreational vehicles on daily, short-term, or extended-term basis. |
| 7801 | Government Licensed On-Line Casinos (On-Line Gambling) (US Region only) | Merchants classified with this MCC are licensed by a US government entity (and/or sanctioned and regulated by applicable legislation) and registered with Visa to sell virtual gambling chips or offer online gambling. |
| 7802 | Government-Licensed Horse/Dog Racing (US Region only) | Merchants classified with this MCC are licensed by a US government entity (and/or sanctioned and regulated by applicable legislation) and registered with Visa to sell on- or off-track wagers at horse- or dog-racing facilities. |
| 7841 | DVD/Video Tape Rental Stores | Merchants classified with this MCC rent DVDs/video tapes for personal use and may sell a limited selection of used videos/DVDs and refreshments. |
| 7922 | Ticket Agencies and Theatrical Producers (Except Motion Pictures) | Merchants classified with this MCC operate live theatrical productions (such as road companies and summer theater groups) and services associated with theatrical productions and concerts (such as casting agencies, booking agencies, scenery, lighting, and other equipment services, and theatrical ticket agencies). |
| 7993 | Video Amusement Game Supplies | Merchants classified with this MCC sell coin-operated amusement machines such as video game machines, jukeboxes, pinball machines, slot machines, mechanical games, instant photograph booths, and similar types of amusement equipment and game supplies. |
| 7994 | Video Game Arcades/Establishments | Merchants classified with this MCC operate arcades, amusement machines (such as video game machines, jukeboxes, pinball machines, mechanical games, instant photograph booths, and similar types of amusement equipment). |
| 7997 | Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses | Merchants classified with this MCC operate sports and recreation facilities that require membership such as exercise, athletic and health clubs, country clubs, private golf courses, boating and yacht clubs, swimming clubs, tennis clubs, bowling leagues, riding clubs, shooting and gun clubs, and racquetball clubs, and may also provide spa services |
| 8111 | Legal Services and Attorneys | Merchants classified with this MCC are headed by members of the bar and provide legal advice and services. |
| 8398 | Charitable Social Service Organizations | Merchants classified with this MCC are non-political fund-raising organizations engaged in soliciting charitable donations/contributions on behalf of organizations engaged in social welfare services, or social service organizations engaged in social welfare services. This MCC also includes crowd funding merchants that accept donations on behalf of individuals raising money for various causes without receiving any perceived or actual financial benefit for doing so. |
| 8999 | Professional Services (Not Elsewhere Classified) | Merchants classified with this MCC provide professional services that are not classified with a more specific MCC. |
| 9223 | Bail and Bond Payments | Merchants classified with this MCC post bail to the court system as security for the appearance of the arraigned individual. |