Approved Merchant Category Codes

November 2024

In the finance ecosystem, Merchant Category Codes (MCCs) are used to classify businesses by the type of goods or services they provide. For example, grocery stores would use the MCC 5411, whereas department stores would use the MCC 5311. Beyond general record-keeping, MCCs are important because they contribute to interchange fee calculation, payment authorization rates, and fraud prevention.

Cloudpay assigns customers a list of MCCs their Seller Merchants can select during the onboarding process. Customers offering a broad range of products and services may have an expansive MCC lists, whereas customers offering a narrower range of products and services would have a smaller list.

Below, you’ll find the full list of MCCs that Cloudpay currently supports. For information about prohibited and restricted businesses, see Prohibited and Restricted Businesses & Activities. Should you have any questions about whether Cloudpay can support your business, please reach out to your Cloudpay point of contact or email support@cloudpay.finance

Approved Merchant Category Codes

Below is a comprehensive list detailing the Merchant Category Codes (MCCs) that Cloudpay supports.

MCC

Description

0742

Veterinary Services

0763

Agricultural Cooperatives

0780

Horticultural Services / Landscaping Services

1520

General Contractors-Residential and Commercial

1711

Air Conditioning Contractors – Sales and Installation / Heating Contractors – Sales, Service, Installation

1731

Electrical Contractors

1740

Insulation – Contractors / Plastering Contractors / Masonry, Stonework Contractors / Stonework and Masonry Contractors / Tile Settings Contractors

1750

Carpentry Contractors

1761

Roofing – Contractors / Sheet Metal Work – Contractors / Siding – Contractors

1771

Contractors – Concrete Work

1799

Contractors – Special Trade, Not Elsewhere Classified

2741

Miscellaneous Publishing and Printing

2842

Specialty cleaning and sanitation services.

4111

Local/Suburban Commuter Passenger Transportation – Railroads, Ferries, Local Water Transportation

4119

Ambulance Services

4121

Taxicabs and Limousines

4214

Delivery Services – Local / Freight Carriers / Motor Freight Carriers / Moving and Storage Companies / Trucking – Local/Long Distance

4225

Storage / Warehousing, Public

4457

Boat Rentals and Leases

4468

Marinas, Marine Service, and Supplies

4582

Flying Fields

4789

Transportation Services, Not elsewhere classified)

4812

Telecommunications Equipment including telephone sales

4899

Cable and other pay television (previously Cable Services)

4900

Electric, Gas, Sanitary and Water Utilities

5013

Motor vehicle supplies and new parts

5021

Office and Commercial Furniture

5039

Construction Materials, Not Elsewhere Classified

5044

Office, Photographic, Photocopy, and Microfilm Equipment

5045

Computers, Computer Peripheral Equipment, Software

5046

Commercial Equipment, Not Elsewhere Classified

5047

Medical, Dental Ophthalmic, Hospital Equipment and Supplies

5065

Electrical Parts and Equipment

5072

Hardware Equipment and Supplies

5074

Plumbing and Heating Equipment and Supplies

5085

Industrial Supplies, Not Elsewhere Classified

5094

Precious Stones and Metals, Watches and Jewelry

5099

Durable Goods, Not Elsewhere Classified

5111

Stationery, Office Supplies, Printing, and Writing Paper

5122

Drugs, Drug Proprietors and Druggist’s Sundries (Card-Present)

5131

Piece Goods, Notions, and other Dry Goods

5137

Men’s Women’s and Children’s Uniforms and Commercial Clothing

5139

Commercial Footwear

5169

Chemicals and Allied Products, Not Elsewhere Classified

5172

Petroleum and Petroleum Products

5192

Books, Periodicals, and Newspapers

5193

Florists’ Supplies, Nursery Stock and Flowers

5198

Paints, Varnishes, and Supplies

5199

Non-durable Goods, Not Elsewhere Classified

5200

Home Supply Warehouse Stores

5211

Lumber and Building Materials Stores

5231

Glass Stores / Paint and Wallpaper Stores / Wallpaper Stores

5251

Hardware Stores

5261

Nurseries – Lawn and Garden Supply Store

5300

Wholesale Clubs

5309

Duty Free Store

5310

Discount Stores

5311

Department Stores

5331

Variety Stores

5399

Misc. General Merchandise

5411

Grocery Stores / Supermarkets

5422

Freezer and Locker Meat Provisioners / Meat Provisioners – Freezer and Locker

5441

Candy Stores / Confectionary Stores / Nut Stores

5451

Dairy Products Stores

5462

Bakeries

5499

Misc. Food Stores – Convenience Stores and Specialty Markets (EXCLUDING: Personal Enhancement Products and/or Nutraceuticals)

5511

Car and Truck Dealers (New and Used) Sales, Service, Repairs, Parts and Leasing

5521

Automobile and Truck Dealers (Used Only)

5532

Automotive Tire Stores

5533

Automotive Parts, Accessories Stores

5541

Service Stations (with or without ancillary services)

5551

Boat Dealers

5561

Recreational and Utility Trailers, Camp Dealers

5571

Motorcycle Dealers

5599

Miscellaneous Auto Dealers

5611

Men’s and Boy’s Clothing and Accessories Stores

5621

Women’s Ready-to-Wear Stores

5631

Women’s Accessory and Specialty Shops

5641

Children’s and Infant’s Wear Stores

5651

Family Clothing Stores

5655

Sports Apparel, Riding Apparel Stores

5661

Shoe Stores

5681

Furriers and Fur Shops

5690

Direct Marketing – Insurance Services

5691

Men’s and Women’s Clothing Stores

5697

Tailors, Seamstress, Mending, and Alterations

5698

Wig and Toupee Stores

5699

Miscellaneous Apparel and Accessory Shops

5712

Furniture, Home Furnishings, and Equipment Stores, Except Appliances

5713

Floor Covering Stores

5714

Drapery, Window Covering and Upholstery Stores

5718

Fireplace, Fireplace Screens, and Accessories Stores

5719

Miscellaneous Home Furnishing Specialty Stores

5722

Household Appliance Stores

5732

Electronic Sales

5733

Music Stores, Musical Instruments, Piano Sheet Music

5734

Computer Software Stores

5735

Record Shops

5811

Caterers

5812

Eating places and Restaurants; includes food delivery

5813

Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques

5814

Fast Food Restaurants; includes food delivery

5817

Digital Goods: Applications (Excludes Games)

5832

Antique Shops – Sales, Repairs, and Restoration Services

5912

Drug Stores and Pharmacies (Card-Present)

5921

Package Stores – Beer, Wine, and Liquor (in-person and online)

5931

Used Merchandise and Secondhand Stores

5932

Antique Shops

5940

Bicycle Shops – Sales and Service

5941

Sporting Goods Stores

5942

Book Stores

5943

Stationery Stores, Office and School Supply Stores

5944

Watch, Clock, Jewelry, and Silverware Stores

5945

Hobby, Toy, and Game Shops

5946

Camera and Photographic Supply Stores

5947

Card Shops, Gift, Novelty, and Souvenir Shops

5948

Luggage and Leather Goods Stores

5949

Sewing, Needle, Fabric, and Piece Goods Stores

5950

Glassware/Crystal Stores

5964

Direct Marketing – Catalog Merchant

5970

Artist’s Supply and Craft Shops

5971

Art Dealers and Galleries

5973

Religious Goods Stores

5975

Hearing Aids – Sales, Service, and Supply Stores

5976

Orthopedic Goods Prosthetic Devices

5977

Cosmetic Stores

5983

Fuel – Fuel Oil, Wood, Coal, Liquefied Petroleum

5992

Florists

5995

Pet Shops, Pet Foods, and Supplies Stores

5996

Swimming Pools – Sales, Service, and Supplies

5997

Electric Razor Stores – Sales and Service

5998

Tent and Awning Shops

5999

Miscellaneous and Specialty Retail Stores

6300

Insurance Sales, Underwriting, and Premiums

6513

Real Estate Agents & Managers

7011

Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)

7032

Sporting and Recreational Camps (EXCLUDING Nudist Camps)

7033

Trailer Parks and Camp Grounds

7210

Laundry, Cleaning, and Garment Services

7211

Laundries

7216

Dry Cleaners

7217

Carpet and Upholstery Cleaning

7221

Photographic Studios

7230

Barber and Beauty Shops

7251

Shoe Repair/Hat Cleaning

7261

Funeral Service and Crematories

7276

Tax Preparation Service

7277

Counseling Service – Marriage, Personal

7298

Health and Beauty Spas

7299

Miscellaneous General Services

7311

Advertising Services

7332

Blueprinting and Photocopying Services

7333

Commercial Photography, Art and Graphics

7338

Quick Copy, Repro, and Blueprint

7342

Exterminating & Disinfecting Services

7349

Cleaning and Maintenance, Janitorial Services

7361

Employment Agencies, Temporary Help Services

7372

Computer Programming, Integrated Systems Design and Data Processing Services

7375

Information Retrieval Services

7379

Computer Maintenance and Repair Services, Not Elsewhere Classified

7392

Management, Consulting, and Public Relations Services

7393

Detective Agencies, Protective and Security Services – Including Armored Cars and Guard Dogs

7394

Equipment Rental and Leasing Services, Tool Rental, Furniture Rental, and Appliance Rental

7399

Business Services, Not Elsewhere Classified; Event Planning and Management

7519

Recreational Vehicle Rentals

7531

Automotive Body Repair Shops

7534

Tire Re-treading and Repair Shops

7538

Automotive Service Shops (Non Dealer)

7542

Car Washes

7549

Towing Services

7622

Electronics Repair Shops

7623

Air Conditioning and Refrigeration Repair Shops

7629

Electrical And Small Appliance Repair Shops

7631

Watch/Jewelry Repair

7641

Furniture, Furniture Repair, and Furniture Refinishing

7699

Repair Shops and Related Services –Miscellaneous

7829

Motion Pictures and Video Tape Production and Distribution

7832

Motion Picture Theaters

7911

Dance Halls, Studios and Schools

7922

Theatrical Producers (Except Motion Pictures), Ticket Agencies

7941

Commercial Sports, Athletic Fields, Professional Sport Clubs, and Sport Promoters; Sports arena and Stadium Management

7991

Tourist Attractions and Exhibits

7992

Golf Courses – Public

7993

Video Amusement Game Supplies

7994

Video Game Arcades/Establishments

7996

Amusement Parks, Carnivals, Circuses, Fortune Tellers

7997

Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses

7999

Recreation Services (Not Elsewhere Classified) (EXCLUDES Shooting Ranges)

8011

Doctors and Physicians (Not Elsewhere Classified)

8021

Dentists and Orthodontists

8031

Osteopaths

8041

Chiropractors

8042

Optometrists and Ophthalmologists

8043

Opticians, Opticians Goods and Eyeglasses

8049

Podiatrists and Chiropodists

8050

Nursing and Personal Care Facilities; Home Healthcare

8062

Hospitals

8071

Medical and Dental Laboratories

8099

Medical Services and Health Practitioners (Not Elsewhere Classified)

8111

Legal Services and Attorneys

8211

Elementary and Secondary Schools

8220

Colleges, Junior Colleges, Universities, and Professional Schools

8241

Correspondence Schools

8244

Business and Secretarial Schools

8249

Vocational Schools and Trade Schools

8299

Schools and Educational Services (Not Elsewhere Classified)

8351

Child Care Services

8398

Charitable and Social Service Organizations

8641

Civic, Fraternal, and Social Associations

8661

Religious Organizations

8699

Membership Organizations (Not Elsewhere Classified)

8734

Testing Laboratories

8911

Architectural – Engineering and Surveying Services

8931

Accounting, Auditing, and Bookkeeping Services

8999

Professional Services (Not Elsewhere Defined)

9222

Fines

9311

Tax Payments

9399

Government Services (Not Elsewhere Classified)