MCC code

MCC Code Introduction

The MCC code is relative to the merchant of POS machines, called the merchant category code. It digitizes the merchant code and currently mainly relies on the MCC code to determine the cardholder's use of the card. It is also one of the settlement standards for determining transaction fees through the MCC code. In domestic interbank transactions, viewing the MCC code of the transaction can serve as the main basis for merchant settlement; It is also one of the important basic data for conducting industry analysis and reporting on UnionPay card transactions, as well as risk management and control of UnionPay card business.

MCC code composition

The merchant code consists of four parts, with the first three digits being the institution code; Last four digits: region code; Next four digits: Merchant type (MCC code); Last four digits: Merchant sequence number; For example, 887 58D7 5812 3037, this string of numbers refers to the merchant number. All we need to look at is the number of digits from the 8th to the 5th from the bottom, which is the number of digits we need to look at when swiping our card.