1. What is MCC?

MCC, the full name is Merchant Category Code, the Chinese name is "Merchant Category Code", which is provided by the international credit card organization and is used to identify the merchant of each transaction. The four-digit code of the industry category.

Each MCC code corresponds to a specific industry category. For example, the MCC code for the beauty and hairdressing industry is 7231, the MCC code for the shopping mall is 5311, the MCC code for the catering industry is 5812, etc.

MCC codes are formulated based on the merchant classification standards of the International Card Organization. Major domestic banks will also classify according to this standard and are used to count and analyze merchant consumption status, thereby providing Merchants provide more precise services.

2. The role of MCC code

MCC code can be used to determine the industry category of a merchant, thereby helping merchants better grasp their consumption status and provide merchants with more accurate services. .

In addition, MCC codes can also be used to identify consumption conditions. For example, if the merchant category code is 5812, then the number of times consumers spend in the catering industry will increase, so merchants can also position themselves based on this result. Consumer behavior, thereby providing consumers with more reasonable services.

3. How to check the MCC code

To check the MCC code, you can log in to the official website of the International Credit Card Organization and enter the industry category of the merchant in the "Merchant Category Code Query" page of the official website , you can query the corresponding MCC code.

In addition, all major banks also have the function of querying MCC codes. Just search for "MCC code query" on the bank's official website to find the query page, and then enter the industry category of the merchant to query. The corresponding MCC code.

4. Classification of MCC codes

The classification of MCC codes is generally divided into the following categories:

(1) Catering: including restaurants, bars, restaurants , cafes, etc. The MCC code is 5812;

(2) Shopping: including shopping malls, supermarkets, shops, bookstores, etc. The MCC code is 5311;

(3) Beauty salons: including beauty salons, hairdressers, nail salons, etc. The MCC code is 7231;

(4) Tourism: including travel agencies, air ticket bookings, tourist attractions, etc. The MCC code is 7999;

(5) Entertainment: including theaters, performances, amusement parks, etc. The MCC code is 7832;

(6) Others: including gas stations, banks, insurance companies, etc. The MCC code is 6000.

5. Application for MCC code

If you want to apply for MCC code, you can log in to the official website of the International Credit Card Organization and fill in the application information on the "Apply for MCC Code" page on the official website, that is Applications can be submitted.

In addition, all major banks also have the function of applying for MCC code. Just search for "Apply for MCC code" on the bank's official website to find the application page, and then fill in the application information as required to submit the application. .

6. Use of MCC code

MCC code is generally used to identify the industry category of merchants, so that merchants can better grasp their consumption status and provide merchants with more accurate services. .

In addition, MCC codes can also be used to identify consumption conditions. For example, if the merchant category code is 5812, then the number of times consumers spend in the catering industry will increase, so merchants can also position themselves based on this result. Consumer behavior, thereby providing consumers with more reasonable services.