[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"questions:item:en:what-is-an-mcc-code":3},{"id":4,"title":5,"answer":6,"body":7,"category":85,"description":86,"extension":87,"meta":88,"modifiedAt":89,"navigation":90,"pairId":91,"path":92,"publishedAt":93,"question":94,"relatedPath":95,"seo":96,"seoTitle":97,"sitemap":98,"slug":99,"stem":100,"translationSlug":101,"__hash__":102},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-an-mcc-code.md","What Is An Mcc Code","An MCC (Merchant Category Code) is a four-digit code that payment schemes use to mark a merchant's line of business. It is assigned at onboarding and visible to buyers' banks: it drives cashback and rewards, card restrictions, and how anti-fraud assesses the transaction.",{"type":8,"value":9,"toc":78},"minimark",[10,13,18,47,51,54,58,69],[11,12,6],"p",{},[14,15,17],"h2",{"id":16},"what-it-affects","What it affects",[19,20,21,29,35,41],"ul",{},[22,23,24,28],"li",{},[25,26,27],"strong",{},"Buyer cashback and rewards."," Banks pay a higher rate on certain categories, and buyers notice.",[22,30,31,34],{},[25,32,33],{},"Card restrictions."," Some corporate and social cards only work with particular categories.",[22,36,37,40],{},[25,38,39],{},"Risk assessment."," Anti-fraud weighs how typical a transaction is for that category.",[22,42,43,46],{},[25,44,45],{},"Service terms."," Scheme rules are stricter for some industries.",[14,48,50],{"id":49},"how-it-is-assigned","How it is assigned",[11,52,53],{},"The code follows the merchant's actual activity at onboarding, not the company name. That is exactly why the review looks at your site: what you really sell, rather than what the registration says.",[14,55,57],{"id":56},"what-a-merchant-should-do","What a merchant should do",[19,59,60,63,66],{},[22,61,62],{},"Describe your activity honestly at onboarding: a mismatch between the code and the real catalogue draws questions from the schemes.",[22,64,65],{},"If the catalogue changes substantially, say so — the code may need updating.",[22,67,68],{},"Do not build sales arguments on buyer cashback: the buyer's bank sets those rules, not you.",[11,70,71,72,77],{},"For what else is checked at onboarding, see ",[73,74,76],"a",{"href":75},"\u002Fen\u002Fquestions\u002Fdocuments-for-acquiring-onboarding","what documents are needed",".",{"title":79,"searchDepth":80,"depth":80,"links":81},"",2,[82,83,84],{"id":16,"depth":80,"text":17},{"id":49,"depth":80,"text":50},{"id":56,"depth":80,"text":57},"documents","An MCC is the four-digit merchant category code used by payment schemes. It drives buyer cashback, bank restrictions and how anti-fraud reads a transaction.","md",{},null,true,"question-15","\u002Fen\u002Fquestions\u002Fwhat-is-an-mcc-code","2026-08-12","What is an MCC code and what does it affect?","\u002Fgetpayments",{"description":86},"MCC code: what it is and what it affects for a merchant",{"loc":92},"what-is-an-mcc-code","en\u002Fquestions\u002Fwhat-is-an-mcc-code","chto-takoe-mcc-kod","G5ELSVG6vUefm3-nhCOZXv3BSl3OqAQFEO_BOLhk7ng"]