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 it’s important that your connected accounts have MCCs that match their businesses.

    Stripe automatically sets MCC codes for connected accounts, but you can choose to set them manually for Custom and Express accounts.

    Setting MCCs automatically

    Stripe automatically evaluates accounts to determine appropriate MCCs. This means you don’t 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. This value is set during the OAuth flows for Standard and Express accounts, and manually for Custom accounts. Express accounts can also set the MCC manually.

    If the industry can’t be used, Stripe might use information from the connected account’s website to determine the MCC. If this also fails, the platform or Stripe’s 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 can’t be manually changed by the platform, and an error is returned if the API is used to update the MCC.

    Setting MCCs manually

    If you support Custom accounts, you can specify MCCs manually when you create accounts. If your connected accounts share the same MCC, you don’t need to add a new UI element to collect this information. You can just set the code using business_profile[mcc] 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.

    curl \ -u sk_test_4eC39HqLyjWDarjtT1zdp7dc: \ -d country=US \ -d type=custom \ -d "requested_capabilities[]"=card_payments \ -d "requested_capabilities[]"=transfers \ -d "business_profile[mcc]"=5734
    # Set your secret key. Remember to switch to your live secret key in production! # See your keys here: Stripe.api_key = 'sk_test_4eC39HqLyjWDarjtT1zdp7dc' account = Stripe::Account.create({ country: 'US', type: 'custom', requested_capabilities: [ 'card_payments', 'transfers', ], business_profile: { mcc: '5734', }, })
    # Set your secret key. Remember to switch to your live secret key in production! # See your keys here: stripe.api_key = 'sk_test_4eC39HqLyjWDarjtT1zdp7dc' account = stripe.Account.create( country='US', type='custom', requested_capabilities=[ 'card_payments', 'transfers', ], business_profile={ 'mcc': '5734', }, )
    // Set your secret key. Remember to switch to your live secret key in production! // See your keys here: \Stripe\Stripe::setApiKey('sk_test_4eC39HqLyjWDarjtT1zdp7dc'); $account = \Stripe\Account::create([ 'country' => 'US', 'type' => 'custom', 'requested_capabilities' => [ 'card_payments', 'transfers', ], 'business_profile' => [ 'mcc' => '5734', ], ]);
    // Set your secret key. Remember to switch to your live secret key in production! // See your keys here: Stripe.apiKey = "sk_test_4eC39HqLyjWDarjtT1zdp7dc"; AccountCreateParams params = AccountCreateParams.builder() .setCountry("US") .setType(AccountCreateParams.Type.CUSTOM) .addRequestedCapability(AccountCreateParams.RequestedCapabilty.CARD_PAYMENTS) .addRequestedCapability(AccountCreateParams.RequestedCapabilty.TRANSFERS) .setBusinessProfile( AccountCreateParams.BusinessProfile.builder() .setMcc("5734") .build()) .build(); Account account = Account.create(params);
    // Set your secret key. Remember to switch to your live secret key in production! // See your keys here: const stripe = require('stripe')('sk_test_4eC39HqLyjWDarjtT1zdp7dc'); const account = await stripe.accounts.create({ country: 'US', type: 'custom', requested_capabilities: [ 'card_payments', 'transfers', ], business_profile: { mcc: '5734', }, });
    // Set your secret key. Remember to switch to your live secret key in production! // See your keys here: stripe.Key = "sk_test_4eC39HqLyjWDarjtT1zdp7dc" params := &stripe.AccountParams{ Type: stripe.String(string(stripe.AccountTypeCustom)), Country: stripe.String("US"), RequestedCapabilities: stripe.StringSlice([]string{ string(stripe.AccountCapabilityCardPayments), string(stripe.AccountCapabilityTransfers), }), BusinessProfile: &stripe.AccountBusinessProfileParams{ MCC: stripe.String("5734"), }, } a, _ := account.New(params)
    // Set your secret key. Remember to switch to your live secret key in production! // See your keys here: StripeConfiguration.ApiKey = "sk_test_4eC39HqLyjWDarjtT1zdp7dc"; var options = new AccountCreateOptions { Type = "custom", Country = "US", RequestedCapabilities = new List<string> { "card_payments", "transfers", }, BusinessProfile = new AccountBusinessProfileOptions { Mcc = "5734", }, }; var service = new AccountService(); service.Create(options);

    If your connected accounts have different MCCs, you might want to provide a short list of options for new users to choose from. Then, based on the user’s selection, you can pass an MCC appopriate for their business. If you don’t want to pass MCCs when you create accounts, you can also update accounts with MCCs later.

    Similar to an MCC that’s 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

    Below is the list of supported MCCs you can use when creating Custom or Express accounts.

    Category MCC
    A/C, Refrigeration Repair 7623
    Accounting/Bookkeeping Services 8931
    Advertising Services 7311
    Agricultural Cooperative 0763
    Airlines, Air Carriers 4511
    Airports, Flying Fields 4582
    Ambulance Services 4119
    Amusement Parks/Carnivals 7996
    Antique Reproductions 5937
    Antique Shops 5932
    Aquariums 7998
    Architectural/Surveying Services 8911
    Art Dealers and Galleries 5971
    Artists Supply and Craft Shops 5970
    Auto Body Repair Shops 7531
    Auto Paint Shops 7535
    Auto Service Shops 7538
    Auto and Home Supply Stores 5531
    Automated Cash Disburse 6011
    Automated Fuel Dispensers 5542
    Automobile Associations 8675
    Automotive Parts and Accessories Stores 5533
    Automotive Tire Stores 5532
    Bail and Bond Payments (payment to the surety for the bond, not the actual bond paid to the government agency) 9223
    Bakeries 5462
    Bands, Orchestras 7929
    Barber and Beauty Shops 7230
    Betting/Casino Gambling 7995
    Bicycle Shops 5940
    Billiard/Pool Establishments 7932
    Boat Dealers 5551
    Boat Rentals and Leases 4457
    Book Stores 5942
    Books, Periodicals, and Newspapers 5192
    Bowling Alleys 7933
    Bus Lines 4131
    Business/Secretarial Schools 8244
    Buying/Shopping Services 7278
    Cable, Satellite, and Other Pay Television and Radio 4899
    Camera and Photographic Supply Stores 5946
    Candy, Nut, and Confectionery Stores 5441
    Car Rental Agencies 7512
    Car Washes 7542
    Car and Truck Dealers (New & Used) Sales, Service, Repairs Parts and Leasing 5511
    Car and Truck Dealers (Used Only) Sales, Service, Repairs Parts and Leasing 5521
    Carpentry Services 1750
    Carpet/Upholstery Cleaning 7217
    Caterers 5811
    Charitable and Social Service Organizations - Fundraising 8398
    Chemicals and Allied Products (Not Elsewhere Classified) 5169
    Child Care Services 8351
    Childrens and Infants Wear Stores 5641
    Chiropodists, Podiatrists 8049
    Chiropractors 8041
    Cigar Stores and Stands 5993
    Civic, Social, Fraternal Associations 8641
    Cleaning and Maintenance 7349
    Clothing Rental 7296
    Colleges, Universities 8220
    Commercial Equipment (Not Elsewhere Classified) 5046
    Commercial Footwear 5139
    Commercial Photography, Art and Graphics 7333
    Commuter Transport, Ferries 4111
    Computer Network Services 4816
    Computer Programming 7372
    Computer Repair 7379
    Computer Software Stores 5734
    Computers, Peripherals, and Software 5045
    Concrete Work Services 1771
    Construction Materials (Not Elsewhere Classified) 5039
    Consulting, Public Relations 7392
    Correspondence Schools 8241
    Cosmetic Stores 5977
    Counseling Services 7277
    Country Clubs 7997
    Courier Services 4215
    Court Costs, Including Alimony and Child Support - Courts of Law 9211
    Credit Reporting Agencies 7321
    Cruise Lines 4411
    Dairy Products Stores 5451
    Dance Hall, Studios, Schools 7911
    Dating/Escort Services 7273
    Dentists, Orthodontists 8021
    Department Stores 5311
    Detective Agencies 7393
    Digital Goods Media – Books, Movies, Music 5815
    Digital Goods – Applications (Excludes Games) 5817
    Digital Goods – Games 5816
    Digital Goods – Large Digital Goods Merchant 5818
    Direct Marketing - Catalog Merchant 5964
    Direct Marketing - Combination Catalog and Retail Merchant 5965
    Direct Marketing - Inbound Telemarketing 5967
    Direct Marketing - Insurance Services 5960
    Direct Marketing - Other 5969
    Direct Marketing - Outbound Telemarketing 5966
    Direct Marketing - Subscription 5968
    Direct Marketing - Travel 5962
    Discount Stores 5310
    Doctors 8011
    Door-To-Door Sales 5963
    Drapery, Window Covering, and Upholstery Stores 5714
    Drinking Places 5813
    Drug Stores and Pharmacies 5912
    Drugs, Drug Proprietaries, and Druggist Sundries 5122
    Dry Cleaners 7216
    Durable Goods (Not Elsewhere Classified) 5099
    Duty Free Stores 5309
    Eating Places, Restaurants 5812
    Educational Services 8299
    Electric Razor Stores 5997
    Electrical Parts and Equipment 5065
    Electrical Services 1731
    Electronics Repair Shops 7622
    Electronics Stores 5732
    Elementary, Secondary Schools 8211
    Employment/Temp Agencies 7361
    Equipment Rental 7394
    Exterminating Services 7342
    Family Clothing Stores 5651
    Fast Food Restaurants 5814
    Financial Institutions 6012
    Fines - Government Administrative Entities 9222
    Fireplace, Fireplace Screens, and Accessories Stores 5718
    Floor Covering Stores 5713
    Florists 5992
    Florists Supplies, Nursery Stock, and Flowers 5193
    Freezer and Locker Meat Provisioners 5422
    Fuel Dealers (Non Automotive) 5983
    Funeral Services, Crematories 7261
    Furniture Repair, Refinishing 7641
    Furniture, Home Furnishings, and Equipment Stores, Except Appliances 5712
    Furriers and Fur Shops 5681
    General Services 1520
    Gift, Card, Novelty, and Souvenir Shops 5947
    Glass, Paint, and Wallpaper Stores 5231
    Glassware, Crystal Stores 5950
    Golf Courses - Public 7992
    Government Services (Not Elsewhere Classified) 9399
    Grocery Stores, Supermarkets 5411
    Hardware Stores 5251
    Hardware, Equipment, and Supplies 5072
    Health and Beauty Spas 7298
    Hearing Aids Sales and Supplies 5975
    Heating, Plumbing, A/C 1711
    Hobby, Toy, and Game Shops 5945
    Home Supply Warehouse Stores 5200
    Hospitals 8062
    Hotels, Motels, and Resorts 7011
    Household Appliance Stores 5722
    Industrial Supplies (Not Elsewhere Classified) 5085
    Information Retrieval Services 7375
    Insurance - Default 6399
    Insurance Underwriting, Premiums 6300
    Intra-Company Purchases 9950
    Jewelry Stores, Watches, Clocks, and Silverware Stores 5944
    Landscaping Services 0780
    Laundries 7211
    Laundry, Cleaning Services 7210
    Legal Services, Attorneys 8111
    Luggage and Leather Goods Stores 5948
    Lumber, Building Materials Stores 5211
    Manual Cash Disburse 6010
    Marinas, Service and Supplies 4468
    Masonry, Stonework, and Plaster 1740
    Massage Parlors 7297
    Medical Services 8099
    Medical and Dental Labs 8071
    Medical, Dental, Ophthalmic, and Hospital Equipment and Supplies 5047
    Membership Organizations 8699
    Mens and Boys Clothing and Accessories Stores 5611
    Mens, Womens Clothing Stores 5691
    Metal Service Centers 5051
    Miscellaneous Apparel and Accessory Shops 5699
    Miscellaneous Auto Dealers 5599
    Miscellaneous Business Services 7399
    Miscellaneous Food Stores - Convenience Stores and Specialty Markets 5499
    Miscellaneous General Merchandise 5399
    Miscellaneous General Services 7299
    Miscellaneous Home Furnishing Specialty Stores 5719
    Miscellaneous Publishing and Printing 2741
    Miscellaneous Recreation Services 7999
    Miscellaneous Repair Shops 7699
    Miscellaneous Specialty Retail 5999
    Mobile Home Dealers 5271
    Motion Picture Theaters 7832
    Motor Freight Carriers and Trucking - Local and Long Distance, Moving and Storage Companies, and Local Delivery Services 4214
    Motor Homes Dealers 5592
    Motor Vehicle Supplies and New Parts 5013
    Motorcycle Shops and Dealers 5571
    Motorcycle Shops, Dealers 5561
    Music Stores-Musical Instruments, Pianos, and Sheet Music 5733
    News Dealers and Newsstands 5994
    Non-FI, Money Orders 6051
    Non-FI, Stored Value Card Purchase/Load 6540
    Nondurable Goods (Not Elsewhere Classified) 5199
    Nurseries, Lawn and Garden Supply Stores 5261
    Nursing/Personal Care 8050
    Office and Commercial Furniture 5021
    Opticians, Eyeglasses 8043
    Optometrists, Ophthalmologist 8042
    Orthopedic Goods - Prosthetic Devices 5976
    Osteopaths 8031
    Package Stores-Beer, Wine, and Liquor 5921
    Paints, Varnishes, and Supplies 5198
    Parking Lots, Garages 7523
    Passenger Railways 4112
    Pawn Shops 5933
    Pet Shops, Pet Food, and Supplies 5995
    Petroleum and Petroleum Products 5172
    Photo Developing 7395
    Photographic Studios 7221
    Photographic, Photocopy, Microfilm Equipment, and Supplies 5044
    Picture/Video Production 7829
    Piece Goods, Notions, and Other Dry Goods 5131
    Plumbing, Heating Equipment, and Supplies 5074
    Political Organizations 8651
    Postal Services - Government Only 9402
    Precious Stones and Metals, Watches and Jewelry 5094
    Professional Services 8999
    Public Warehousing and Storage - Farm Products, Refrigerated Goods, Household Goods, and Storage 4225
    Quick Copy, Repro, and Blueprint 7338
    Railroads 4011
    Real Estate Agents and Managers - Rentals 6513
    Record Stores 5735
    Recreational Vehicle Rentals 7519
    Religious Goods Stores 5973
    Religious Organizations 8661
    Roofing/Siding, Sheet Metal 1761
    Secretarial Support Services 7339
    Security Brokers/Dealers 6211
    Service Stations 5541
    Sewing, Needlework, Fabric, and Piece Goods Stores 5949
    Shoe Repair/Hat Cleaning 7251
    Shoe Stores 5661
    Small Appliance Repair 7629
    Snowmobile Dealers 5598
    Special Trade Services 1799
    Specialty Cleaning 2842
    Sporting Goods Stores 5941
    Sporting/Recreation Camps 7032
    Sports Clubs/Fields 7941
    Sports and Riding Apparel Stores 5655
    Stamp and Coin Stores 5972
    Stationary, Office Supplies, Printing and Writing Paper 5111
    Stationery Stores, Office, and School Supply Stores 5943
    Swimming Pools Sales 5996
    TUI Travel - Germany 4723
    Tailors, Alterations 5697
    Tax Payments - Government Agencies 9311
    Tax Preparation Services 7276
    Taxicabs/Limousines 4121
    Telecommunication Equipment and Telephone Sales 4812
    Telecommunication Services 4814
    Telegraph Services 4821
    Tent and Awning Shops 5998
    Testing Laboratories 8734
    Theatrical Ticket Agencies 7922
    Timeshares 7012
    Tire Retreading and Repair 7534
    Tolls/Bridge Fees 4784
    Tourist Attractions and Exhibits 7991
    Towing Services 7549
    Trailer Parks, Campgrounds 7033
    Transportation Services (Not Elsewhere Classified) 4789
    Travel Agencies, Tour Operators 4722
    Truck StopIteration 7511
    Truck/Utility Trailer Rentals 7513
    Typesetting, Plate Making, and Related Services 2791
    Typewriter Stores 5978
    U.S. Federal Government Agencies or Departments 9405
    Uniforms, Commercial Clothing 5137
    Used Merchandise and Secondhand Stores 5931
    Utilities 4900
    Variety Stores 5331
    Veterinary Services 0742
    Video Amusement Game Supplies 7993
    Video Game Arcades 7994
    Video Tape Rental Stores 7841
    Vocational/Trade Schools 8249
    Watch/Jewelry Repair 7631
    Welding Repair 7692
    Wholesale Clubs 5300
    Wig and Toupee Stores 5698
    Wires, Money Orders 4829
    Womens Accessory and Specialty Shops 5631
    Womens Ready-To-Wear Stores 5621
    Wrecking and Salvage Yards 5935

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