Setting merchant category codes
Learn about merchant category codes (MCCs) and how to set them for your connected accounts.
MCCs are used to classify businesses by the type of goods or services they provide. For example, grocery stores, hotels, and airlines all have different MCCs. These codes are often used for calculating interchange fees, authorizing payments, and preventing fraud, so itâs important that your connected accounts have MCCs that match their businesses.
Each Stripe account has exactly one MCC. To view the MCC for a specific account, you can retrieve the business_
field on the account object.
Stripe automatically sets MCC codes for connected accounts, but you can choose to set them manually for accounts that your platform controls. That includes Custom and Express accounts.
Setting MCCs automatically
Stripe automatically evaluates accounts to determine appropriate MCCs. That means you donât need to build and maintain any custom logic. Generally, the industry listed in the Stripe Dashboard for the connected account is used to determine the MCC. For accounts where Stripe collects updated information for due or changed requirements, including Standard and Express accounts, and for Custom accounts using Stripe-hosted onboarding, the MCC is set during onboarding. For accounts created with the API and for Express accounts, you can set the MCC manually.
If the industry that the user provides canât be used, Stripe might use information from the connected accountâs website to determine the MCC. If this also fails, the platform or Stripeâs default MCC (5734
Computer Software Stores) is used.
Sometimes accounts are flagged for manual review by Stripe. If this happens and Stripe determines the MCC on an account is inaccurate, we might update it. The new MCC canât be manually changed by the platform, and an error is returned if the API is used to update the MCC.
Setting MCCs manually
You can set the MCC manually when you create accounts. The examples below use the code for Computer Software Stores (5734
), but you can see a full list in the next section.
If your connected accounts share an MCC, you can provide the code using business_
when you create accounts. In Connect Onboarding, your users wonât be asked for an industry. If you build your own onboarding UI, you donât need to add a UI element for MCC.
If your connected accounts have different MCCs, Connect Onboarding will collect that information. If you arenât using Connect Onboarding, you can provide a list of MCC options for users to choose from. Based on the userâs selection, you can pass an MCC appropriate for their business. If you donât want to pass MCCs when you create accounts, you can update accounts with MCCs later.
Similar to an MCC thatâs set automatically, Stripe can override an MCC set manually if the connected account is flagged for review and we determine the MCC is inaccurate.
Merchant category code list
The following is a list of supported MCCs that you can use when creating connected accounts. You must contact Stripe to use a restricted MCC.
Category | MCC |
---|---|
A/C, Refrigeration Repairac_ | 7623 |
Accounting/Bookkeeping Servicesaccounting_ | 8931 |
Advertising Servicesadvertising_ | 7311 |
Agricultural Cooperativeagricultural_ | 0763 |
Airlines, Air Carriers Restrictedairlines_ | 4511 |
Airports, Flying Fieldsairports_ | 4582 |
Ambulance Services Restrictedambulance_ | 4119 |
Amusement Parks/Carnivals Restrictedamusement_ | 7996 |
Antique Reproductionsantique_ | 5937 |
Antique Shopsantique_ | 5932 |
Aquariumsaquariums | 7998 |
Architectural/Surveying Servicesarchitectural_ | 8911 |
Art Dealers and Galleriesart_ | 5971 |
Artists Supply and Craft Shopsartists_ | 5970 |
Auto Body Repair Shopsauto_ | 7531 |
Auto Paint Shopsauto_ | 7535 |
Auto Service Shopsauto_ | 7538 |
Auto and Home Supply Storesauto_ | 5531 |
Automated Fuel Dispensersautomated_ | 5542 |
Automobile Associationsautomobile_ | 8675 |
Automotive Parts and Accessories Storesautomotive_ | 5533 |
Automotive Tire Storesautomotive_ | 5532 |
Bail and Bond Payments (payment to the surety for the bond, not the actual bond paid to the government agency) Restrictedbail_ | 9223 |
Bakeriesbakeries | 5462 |
Bands, Orchestrasbands_ | 7929 |
Barber and Beauty Shopsbarber_ | 7230 |
Betting/Casino Gambling Restrictedbetting_ | 7995 |
Bicycle Shopsbicycle_ | 5940 |
Billiard/Pool Establishmentsbilliard_ | 7932 |
Boat Dealersboat_ | 5551 |
Boat Rentals and Leasesboat_ | 4457 |
Book Storesbook_ | 5942 |
Books, Periodicals, and Newspapersbooks_ | 5192 |
Bowling Alleysbowling_ | 7933 |
Bus Linesbus_ | 4131 |
Business/Secretarial Schoolsbusiness_ | 8244 |
Buying/Shopping Servicesbuying_ | 7278 |
Cable, Satellite, and Other Pay Television and Radiocable_ | 4899 |
Camera and Photographic Supply Storescamera_ | 5946 |
Candy, Nut, and Confectionery Storescandy_ | 5441 |
Car Rental Agenciescar_ | 7512 |
Car Washescar_ | 7542 |
Car and Truck Dealers (New & Used) Sales, Service, Repairs Parts and Leasingcar_ | 5511 |
Car and Truck Dealers (Used Only) Sales, Service, Repairs Parts and Leasingcar_ | 5521 |
Carpentry Servicescarpentry_ | 1750 |
Carpet/Upholstery Cleaningcarpet_ | 7217 |
Catererscaterers | 5811 |
Charitable and Social Service Organizations - Fundraising Restrictedcharitable_ | 8398 |
Chemicals and Allied Products (Not Elsewhere Classified)chemicals_ | 5169 |
Child Care Serviceschild_ | 8351 |
Childrens and Infants Wear Storeschildrens_ | 5641 |
Chiropodists, Podiatrists Restrictedchiropodists_ | 8049 |
Chiropractors Restrictedchiropractors | 8041 |
Cigar Stores and Stands Restrictedcigar_ | 5993 |
Civic, Social, Fraternal Associationscivic_ | 8641 |
Cleaning and Maintenancecleaning_ | 7349 |
Clothing Rentalclothing_ | 7296 |
Colleges, Universitiescolleges_ | 8220 |
Commercial Equipment (Not Elsewhere Classified)commercial_ | 5046 |
Commercial Footwearcommercial_ | 5139 |
Commercial Photography, Art and Graphicscommercial_ | 7333 |
Commuter Transport, Ferriescommuter_ | 4111 |
Computer Network Servicescomputer_ | 4816 |
Computer Programmingcomputer_ | 7372 |
Computer Repaircomputer_ | 7379 |
Computer Software Storescomputer_ | 5734 |
Computers, Peripherals, and Softwarecomputers_ | 5045 |
Concrete Work Servicesconcrete_ | 1771 |
Construction Materials (Not Elsewhere Classified)construction_ | 5039 |
Consulting, Public Relationsconsulting_ | 7392 |
Correspondence Schoolscorrespondence_ | 8241 |
Cosmetic Storescosmetic_ | 5977 |
Counseling Services Restrictedcounseling_ | 7277 |
Country Clubscountry_ | 7997 |
Courier Servicescourier_ | 4215 |
Court Costs, Including Alimony and Child Support - Courts of Law Restrictedcourt_ | 9211 |
Credit Reporting Agenciescredit_ | 7321 |
Cruise Lines Restrictedcruise_ | 4411 |
Dairy Products Storesdairy_ | 5451 |
Dance Hall, Studios, Schoolsdance_ | 7911 |
Dentists, Orthodontists Restricteddentists_ | 8021 |
Department Storesdepartment_ | 5311 |
Detective Agenciesdetective_ | 7393 |
Digital Goods Media â Books, Movies, Musicdigital_ | 5815 |
Digital Goods â Applications (Excludes Games)digital_ | 5817 |
Digital Goods â Gamesdigital_ | 5816 |
Digital Goods â Large Digital Goods Merchantdigital_ | 5818 |
Direct Marketing - Catalog Merchantdirect_ | 5964 |
Direct Marketing - Combination Catalog and Retail Merchantdirect_ | 5965 |
Direct Marketing - Inbound Telemarketing Restricteddirect_ | 5967 |
Direct Marketing - Insurance Servicesdirect_ | 5960 |
Direct Marketing - Otherdirect_ | 5969 |
Direct Marketing - Outbound Telemarketing Restricteddirect_ | 5966 |
Direct Marketing - Subscriptiondirect_ | 5968 |
Direct Marketing - Travel Restricteddirect_ | 5962 |
Discount Storesdiscount_ | 5310 |
Doctors Restricteddoctors | 8011 |
Door-To-Door Sales Restricteddoor_ | 5963 |
Drapery, Window Covering, and Upholstery Storesdrapery_ | 5714 |
Drinking Placesdrinking_ | 5813 |
Drug Stores and Pharmacies Restricteddrug_ | 5912 |
Drugs, Drug Proprietaries, and Druggist Sundries Restricteddrugs_ | 5122 |
Dry Cleanersdry_ | 7216 |
Durable Goods (Not Elsewhere Classified)durable_ | 5099 |
Duty Free Storesduty_ | 5309 |
Eating Places, Restaurantseating_ | 5812 |
Educational Serviceseducational_ | 8299 |
Electric Razor Storeselectric_ | 5997 |
Electric Vehicle Chargingelectric_ | 5552 |
Electrical Parts and Equipmentelectrical_ | 5065 |
Electrical Serviceselectrical_ | 1731 |
Electronics Repair Shopselectronics_ | 7622 |
Electronics Storeselectronics_ | 5732 |
Elementary, Secondary Schoolselementary_ | 8211 |
Emergency Services (GCAS) (Visa use only)emergency_ | 9702 |
Employment/Temp Agenciesemployment_ | 7361 |
Equipment Rentalequipment_ | 7394 |
Exterminating Servicesexterminating_ | 7342 |
Family Clothing Storesfamily_ | 5651 |
Fast Food Restaurantsfast_ | 5814 |
Financial Institutions Restrictedfinancial_ | 6012 |
Fines - Government Administrative Entities Restrictedfines_ | 9222 |
Fireplace, Fireplace Screens, and Accessories Storesfireplace_ | 5718 |
Floor Covering Storesfloor_ | 5713 |
Floristsflorists | 5992 |
Florists Supplies, Nursery Stock, and Flowersflorists_ | 5193 |
Freezer and Locker Meat Provisionersfreezer_ | 5422 |
Fuel Dealers (Non Automotive)fuel_ | 5983 |
Funeral Services, Crematoriesfuneral_ | 7261 |
Furniture Repair, Refinishingfurniture_ | 7641 |
Furniture, Home Furnishings, and Equipment Stores, Except Appliancesfurniture_ | 5712 |
Furriers and Fur Shopsfurriers_ | 5681 |
General Servicesgeneral_ | 1520 |
Gift, Card, Novelty, and Souvenir Shopsgift_ | 5947 |
Glass, Paint, and Wallpaper Storesglass_ | 5231 |
Glassware, Crystal Storesglassware_ | 5950 |
Golf Courses - Publicgolf_ | 7992 |
Government Licensed On-line Casinos (On-Line Gambling)(US Region only) Restrictedgovernment_ | 7801 |
Government Services (Not Elsewhere Classified) Restrictedgovernment_ | 9399 |
Government-Licensed Horse/Dog Racing (US Region only) Restrictedgovernment_ | 7802 |
Government-Owned Lotteries (Non-US region)government_ | 9406 |
Government-Owned Lotteries (US Region only) Restrictedgovernment_ | 7800 |
Grocery Stores, Supermarketsgrocery_ | 5411 |
Hardware Storeshardware_ | 5251 |
Hardware, Equipment, and Supplieshardware_ | 5072 |
Health and Beauty Spashealth_ | 7298 |
Hearing Aids Sales and Supplies Restrictedhearing_ | 5975 |
Heating, Plumbing, A/Cheating_ | 1711 |
Hobby, Toy, and Game Shopshobby_ | 5945 |
Home Supply Warehouse Storeshome_ | 5200 |
Hospitals Restrictedhospitals | 8062 |
Hotels, Motels, and Resortshotels_ | 7011 |
Household Appliance Storeshousehold_ | 5722 |
Industrial Supplies (Not Elsewhere Classified)industrial_ | 5085 |
Information Retrieval Servicesinformation_ | 7375 |
Insurance Underwriting, Premiums Restrictedinsurance_ | 6300 |
Intra-Company Purchasesintra_ | 9950 |
Jewelry Stores, Watches, Clocks, and Silverware Storesjewelry_ | 5944 |
Landscaping Serviceslandscaping_ | 0780 |
Laundrieslaundries | 7211 |
Laundry, Cleaning Serviceslaundry_ | 7210 |
Legal Services, Attorneyslegal_ | 8111 |
Luggage and Leather Goods Storesluggage_ | 5948 |
Lumber, Building Materials Storeslumber_ | 5211 |
Marinas, Service and Suppliesmarinas_ | 4468 |
Marketplacesmarketplaces | 5262 |
Masonry, Stonework, and Plastermasonry_ | 1740 |
Massage Parlorsmassage_ | 7297 |
Medical Services Restrictedmedical_ | 8099 |
Medical and Dental Labs Restrictedmedical_ | 8071 |
Medical, Dental, Ophthalmic, and Hospital Equipment and Supplies Restrictedmedical_ | 5047 |
Membership Organizationsmembership_ | 8699 |
Mens and Boys Clothing and Accessories Storesmens_ | 5611 |
Mens, Womens Clothing Storesmens_ | 5691 |
Metal Service Centersmetal_ | 5051 |
Miscellaneous Apparel and Accessory Shopsmiscellaneous_ | 5699 |
Miscellaneous Auto Dealersmiscellaneous_ | 5599 |
Miscellaneous Business Servicesmiscellaneous_ | 7399 |
Miscellaneous Food Stores - Convenience Stores and Specialty Marketsmiscellaneous_ | 5499 |
Miscellaneous General Merchandisemiscellaneous_ | 5399 |
Miscellaneous General Servicesmiscellaneous_ | 7299 |
Miscellaneous Home Furnishing Specialty Storesmiscellaneous_ | 5719 |
Miscellaneous Publishing and Printingmiscellaneous_ | 2741 |
Miscellaneous Recreation Servicesmiscellaneous_ | 7999 |
Miscellaneous Repair Shopsmiscellaneous_ | 7699 |
Miscellaneous Specialty Retailmiscellaneous_ | 5999 |
Mobile Home Dealersmobile_ | 5271 |
Motion Picture Theatersmotion_ | 7832 |
Motor Freight Carriers and Trucking - Local and Long Distance, Moving and Storage Companies, and Local Delivery Servicesmotor_ | 4214 |
Motor Homes Dealersmotor_ | 5592 |
Motor Vehicle Supplies and New Partsmotor_ | 5013 |
Motorcycle Shops and Dealersmotorcycle_ | 5571 |
Motorcycle Shops, Dealersmotorcycle_ | 5561 |
Music Stores-Musical Instruments, Pianos, and Sheet Musicmusic_ | 5733 |
News Dealers and Newsstandsnews_ | 5994 |
Non-FI, Money Orders Restrictednon_ | 6051 |
Non-FI, Stored Value Card Purchase/Load Restrictednon_ | 6540 |
Nondurable Goods (Not Elsewhere Classified)nondurable_ | 5199 |
Nurseries, Lawn and Garden Supply Storesnurseries_ | 5261 |
Nursing/Personal Care Restrictednursing_ | 8050 |
Office and Commercial Furnitureoffice_ | 5021 |
Opticians, Eyeglasses Restrictedopticians_ | 8043 |
Optometrists, Ophthalmologist Restrictedoptometrists_ | 8042 |
Orthopedic Goods - Prosthetic Devices Restrictedorthopedic_ | 5976 |
Osteopaths Restrictedosteopaths | 8031 |
Package Stores-Beer, Wine, and Liquorpackage_ | 5921 |
Paints, Varnishes, and Suppliespaints_ | 5198 |
Parking Lots, Garagesparking_ | 7523 |
Passenger Railwayspassenger_ | 4112 |
Pawn Shopspawn_ | 5933 |
Pet Shops, Pet Food, and Suppliespet_ | 5995 |
Petroleum and Petroleum Productspetroleum_ | 5172 |
Photo Developingphoto_ | 7395 |
Photographic Studiosphotographic_ | 7221 |
Photographic, Photocopy, Microfilm Equipment, and Suppliesphotographic_ | 5044 |
Picture/Video Productionpicture_ | 7829 |
Piece Goods, Notions, and Other Dry Goodspiece_ | 5131 |
Plumbing, Heating Equipment, and Suppliesplumbing_ | 5074 |
Political Organizations Restrictedpolitical_ | 8651 |
Postal Services - Government Only Restrictedpostal_ | 9402 |
Precious Stones and Metals, Watches and Jewelryprecious_ | 5094 |
Professional Servicesprofessional_ | 8999 |
Public Warehousing and Storage - Farm Products, Refrigerated Goods, Household Goods, and Storagepublic_ | 4225 |
Quick Copy, Repro, and Blueprintquick_ | 7338 |
Railroadsrailroads | 4011 |
Real Estate Agents and Managers - Rentalsreal_ | 6513 |
Record Storesrecord_ | 5735 |
Recreational Vehicle Rentalsrecreational_ | 7519 |
Religious Goods Storesreligious_ | 5973 |
Religious Organizations Restrictedreligious_ | 8661 |
Roofing/Siding, Sheet Metalroofing_ | 1761 |
Secretarial Support Servicessecretarial_ | 7339 |
Security Brokers/Dealers Restrictedsecurity_ | 6211 |
Service Stationsservice_ | 5541 |
Sewing, Needlework, Fabric, and Piece Goods Storessewing_ | 5949 |
Shoe Repair/Hat Cleaningshoe_ | 7251 |
Shoe Storesshoe_ | 5661 |
Small Appliance Repairsmall_ | 7629 |
Snowmobile Dealerssnowmobile_ | 5598 |
Special Trade Servicesspecial_ | 1799 |
Specialty Cleaningspecialty_ | 2842 |
Sporting Goods Storessporting_ | 5941 |
Sporting/Recreation Campssporting_ | 7032 |
Sports Clubs/Fieldssports_ | 7941 |
Sports and Riding Apparel Storessports_ | 5655 |
Stamp and Coin Storesstamp_ | 5972 |
Stationary, Office Supplies, Printing and Writing Paperstationary_ | 5111 |
Stationery Stores, Office, and School Supply Storesstationery_ | 5943 |
Swimming Pools Salesswimming_ | 5996 |
TUI Travel - Germanyt_ | 4723 |
Tailors, Alterationstailors_ | 5697 |
Tax Payments - Government Agencies Restrictedtax_ | 9311 |
Tax Preparation Servicestax_ | 7276 |
Taxicabs/Limousinestaxicabs_ | 4121 |
Telecommunication Equipment and Telephone Salestelecommunication_ | 4812 |
Telecommunication Services Restrictedtelecommunication_ | 4814 |
Telegraph Servicestelegraph_ | 4821 |
Tent and Awning Shopstent_ | 5998 |
Testing Laboratoriestesting_ | 8734 |
Theatrical Ticket Agenciestheatrical_ | 7922 |
Timeshares Restrictedtimeshares | 7012 |
Tire Retreading and Repairtire_ | 7534 |
Tolls/Bridge Feestolls_ | 4784 |
Tourist Attractions and Exhibitstourist_ | 7991 |
Towing Servicestowing_ | 7549 |
Trailer Parks, Campgroundstrailer_ | 7033 |
Transportation Services (Not Elsewhere Classified)transportation_ | 4789 |
Travel Agencies, Tour Operatorstravel_ | 4722 |
Truck Stopstruck_ | 7511 |
Truck/Utility Trailer Rentalstruck_ | 7513 |
Typesetting, Plate Making, and Related Servicestypesetting_ | 2791 |
Typewriter Storestypewriter_ | 5978 |
U.S. Federal Government Agencies or Departments Restrictedu_ | 9405 |
Uniforms, Commercial Clothinguniforms_ | 5137 |
Used Merchandise and Secondhand Storesused_ | 5931 |
Utilitiesutilities | 4900 |
Variety Storesvariety_ | 5331 |
Veterinary Servicesveterinary_ | 0742 |
Video Amusement Game Suppliesvideo_ | 7993 |
Video Game Arcadesvideo_ | 7994 |
Video Tape Rental Storesvideo_ | 7841 |
Vocational/Trade Schoolsvocational_ | 8249 |
Watch/Jewelry Repairwatch_ | 7631 |
Welding Repairwelding_ | 7692 |
Wholesale Clubswholesale_ | 5300 |
Wig and Toupee Storeswig_ | 5698 |
Wires, Money Orders Restrictedwires_ | 4829 |
Womens Accessory and Specialty Shopswomens_ | 5631 |
Womens Ready-To-Wear Storeswomens_ | 5621 |
Wrecking and Salvage Yardswrecking_ | 5935 |