Set MCCs

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.

Each Stripe account has exactly one MCC. To view the MCC for a specific account, you can retrieve the business_profile.mcc field on the account object.

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 onboarding flows for Standard and Express accounts, and in Connect Onboarding. You can set the MCC manually for accounts created with the API, or set explicitly in the same way for Express accounts.

If the industry that the user provides 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

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.

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 share an MCC, you can provide the code using business_profile[mcc] when you create accounts. In Connect Onboarding, your users won’t be asked for an industry. If you build your own onboarding UI, you won’t need to add a UI element for MCC.

If your connected accounts have different MCCs, Connect Onboarding will collect that information. If you aren’t using Connect Onboarding, you can provide a list of MCC options for users to choose from. Based on the user’s selection, you can pass an MCC appropriate for their business. If you don’t want to pass MCCs when you create accounts, you can 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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