FAQ
What is an MCC?
A Merchant Category Code is a 4-digit number (ISO 18245) that card networks assign to a business based on what it sells. It appears in every card transaction.
Why does the MCC matter?
Banks use it for cashback categories, spending limits and blocks (e.g. gambling), card networks use it for interchange fees and risk monitoring, and accountants use it to categorize expenses.
How do I find a shop's MCC?
Check the transaction details in your banking app — many banks show the MCC. Merchants can ask their acquirer or PSP.