Setting merchant category codes
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 accounts that your platform controls. That includes Custom and Express accounts.
Setting MCCs automatically
Stripe automatically evaluates accounts to determine appropriate MCCs. That 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. For accounts where Stripe collects updated information for due or changed requirements, including Standard and Express accounts, and for Custom accounts using Stripe-hosted onboarding, the MCC is set during onboarding. For accounts created with the API and for Express accounts, you can set the MCC manually.
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.
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 don’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
The following is a list of supported MCCs that you can use when creating connected accounts. You must contact Stripe to use a restricted MCC.
Category | MCC |
---|---|
A/C, Refrigeration Repairac_refrigeration_repair | 7623 |
Accounting/Bookkeeping Servicesaccounting_bookkeeping_services | 8931 |
Advertising Servicesadvertising_services | 7311 |
Agricultural Cooperativeagricultural_cooperative | 0763 |
Airlines, Air Carriers Restrictedairlines_air_carriers | 4511 |
Airports, Flying Fieldsairports_flying_fields | 4582 |
Ambulance Services Restrictedambulance_services | 4119 |
Amusement Parks/Carnivals Restrictedamusement_parks_carnivals | 7996 |
Antique Reproductionsantique_reproductions | 5937 |
Antique Shopsantique_shops | 5932 |
Aquariumsaquariums | 7998 |
Architectural/Surveying Servicesarchitectural_surveying_services | 8911 |
Art Dealers and Galleriesart_dealers_and_galleries | 5971 |
Artists Supply and Craft Shopsartists_supply_and_craft_shops | 5970 |
Auto Body Repair Shopsauto_body_repair_shops | 7531 |
Auto Paint Shopsauto_paint_shops | 7535 |
Auto Service Shopsauto_service_shops | 7538 |
Auto and Home Supply Storesauto_and_home_supply_stores | 5531 |
Automated Fuel Dispensersautomated_fuel_dispensers | 5542 |
Automobile Associationsautomobile_associations | 8675 |
Automotive Parts and Accessories Storesautomotive_parts_and_accessories_stores | 5533 |
Automotive Tire Storesautomotive_tire_stores | 5532 |
Bail and Bond Payments (payment to the surety for the bond, not the actual bond paid to the government agency) Restrictedbail_and_bond_payments | 9223 |
Bakeriesbakeries | 5462 |
Bands, Orchestrasbands_orchestras | 7929 |
Barber and Beauty Shopsbarber_and_beauty_shops | 7230 |
Betting/Casino Gambling Restrictedbetting_casino_gambling | 7995 |
Bicycle Shopsbicycle_shops | 5940 |
Billiard/Pool Establishmentsbilliard_pool_establishments | 7932 |
Boat Dealersboat_dealers | 5551 |
Boat Rentals and Leasesboat_rentals_and_leases | 4457 |
Book Storesbook_stores | 5942 |
Books, Periodicals, and Newspapersbooks_periodicals_and_newspapers | 5192 |
Bowling Alleysbowling_alleys | 7933 |
Bus Linesbus_lines | 4131 |
Business/Secretarial Schoolsbusiness_secretarial_schools | 8244 |
Buying/Shopping Servicesbuying_shopping_services | 7278 |
Cable, Satellite, and Other Pay Television and Radiocable_satellite_and_other_pay_television_and_radio | 4899 |
Camera and Photographic Supply Storescamera_and_photographic_supply_stores | 5946 |
Candy, Nut, and Confectionery Storescandy_nut_and_confectionery_stores | 5441 |
Car Rental Agenciescar_rental_agencies | 7512 |
Car Washescar_washes | 7542 |
Car and Truck Dealers (New & Used) Sales, Service, Repairs Parts and Leasingcar_and_truck_dealers_new_used | 5511 |
Car and Truck Dealers (Used Only) Sales, Service, Repairs Parts and Leasingcar_and_truck_dealers_used_only | 5521 |
Carpentry Servicescarpentry_services | 1750 |
Carpet/Upholstery Cleaningcarpet_upholstery_cleaning | 7217 |
Catererscaterers | 5811 |
Charitable and Social Service Organizations - Fundraising Restrictedcharitable_and_social_service_organizations_fundraising | 8398 |
Chemicals and Allied Products (Not Elsewhere Classified)chemicals_and_allied_products | 5169 |
Child Care Serviceschild_care_services | 8351 |
Childrens and Infants Wear Storeschildrens_and_infants_wear_stores | 5641 |
Chiropodists, Podiatrists Restrictedchiropodists_podiatrists | 8049 |
Chiropractors Restrictedchiropractors | 8041 |
Cigar Stores and Stands Restrictedcigar_stores_and_stands | 5993 |
Civic, Social, Fraternal Associationscivic_social_fraternal_associations | 8641 |
Cleaning and Maintenancecleaning_and_maintenance | 7349 |
Clothing Rentalclothing_rental | 7296 |
Colleges, Universitiescolleges_universities | 8220 |
Commercial Equipment (Not Elsewhere Classified)commercial_equipment | 5046 |
Commercial Footwearcommercial_footwear | 5139 |
Commercial Photography, Art and Graphicscommercial_photography_art_and_graphics | 7333 |
Commuter Transport, Ferriescommuter_transport_and_ferries | 4111 |
Computer Network Servicescomputer_network_services | 4816 |
Computer Programmingcomputer_programming | 7372 |
Computer Repaircomputer_repair | 7379 |
Computer Software Storescomputer_software_stores | 5734 |
Computers, Peripherals, and Softwarecomputers_peripherals_and_software | 5045 |
Concrete Work Servicesconcrete_work_services | 1771 |
Construction Materials (Not Elsewhere Classified)construction_materials | 5039 |
Consulting, Public Relationsconsulting_public_relations | 7392 |
Correspondence Schoolscorrespondence_schools | 8241 |
Cosmetic Storescosmetic_stores | 5977 |
Counseling Services Restrictedcounseling_services | 7277 |
Country Clubscountry_clubs | 7997 |
Courier Servicescourier_services | 4215 |
Court Costs, Including Alimony and Child Support - Courts of Law Restrictedcourt_costs | 9211 |
Credit Reporting Agenciescredit_reporting_agencies | 7321 |
Cruise Lines Restrictedcruise_lines | 4411 |
Dairy Products Storesdairy_products_stores | 5451 |
Dance Hall, Studios, Schoolsdance_hall_studios_schools | 7911 |
Dentists, Orthodontists Restricteddentists_orthodontists | 8021 |
Department Storesdepartment_stores | 5311 |
Detective Agenciesdetective_agencies | 7393 |
Digital Goods Media – Books, Movies, Musicdigital_goods_media | 5815 |
Digital Goods – Applications (Excludes Games)digital_goods_applications | 5817 |
Digital Goods – Gamesdigital_goods_games | 5816 |
Digital Goods – Large Digital Goods Merchantdigital_goods_large_volume | 5818 |
Direct Marketing - Catalog Merchantdirect_marketing_catalog_merchant | 5964 |
Direct Marketing - Combination Catalog and Retail Merchantdirect_marketing_combination_catalog_and_retail_merchant | 5965 |
Direct Marketing - Inbound Telemarketing Restricteddirect_marketing_inbound_telemarketing | 5967 |
Direct Marketing - Insurance Servicesdirect_marketing_insurance_services | 5960 |
Direct Marketing - Otherdirect_marketing_other | 5969 |
Direct Marketing - Outbound Telemarketing Restricteddirect_marketing_outbound_telemarketing | 5966 |
Direct Marketing - Subscriptiondirect_marketing_subscription | 5968 |
Direct Marketing - Travel Restricteddirect_marketing_travel | 5962 |
Discount Storesdiscount_stores | 5310 |
Doctors Restricteddoctors | 8011 |
Door-To-Door Sales Restricteddoor_to_door_sales | 5963 |
Drapery, Window Covering, and Upholstery Storesdrapery_window_covering_and_upholstery_stores | 5714 |
Drinking Placesdrinking_places | 5813 |
Drug Stores and Pharmacies Restricteddrug_stores_and_pharmacies | 5912 |
Drugs, Drug Proprietaries, and Druggist Sundries Restricteddrugs_drug_proprietaries_and_druggist_sundries | 5122 |
Dry Cleanersdry_cleaners | 7216 |
Durable Goods (Not Elsewhere Classified)durable_goods | 5099 |
Duty Free Storesduty_free_stores | 5309 |
Eating Places, Restaurantseating_places_restaurants | 5812 |
Educational Serviceseducational_services | 8299 |
Electric Razor Storeselectric_razor_stores | 5997 |
Electric Vehicle Chargingelectric_vehicle_charging | 5552 |
Electrical Parts and Equipmentelectrical_parts_and_equipment | 5065 |
Electrical Serviceselectrical_services | 1731 |
Electronics Repair Shopselectronics_repair_shops | 7622 |
Electronics Storeselectronics_stores | 5732 |
Elementary, Secondary Schoolselementary_secondary_schools | 8211 |
Emergency Services (GCAS) (Visa use only)emergency_services_gcas_visa_use_only | 9702 |
Employment/Temp Agenciesemployment_temp_agencies | 7361 |
Equipment Rentalequipment_rental | 7394 |
Exterminating Servicesexterminating_services | 7342 |
Family Clothing Storesfamily_clothing_stores | 5651 |
Fast Food Restaurantsfast_food_restaurants | 5814 |
Financial Institutions Restrictedfinancial_institutions | 6012 |
Fines - Government Administrative Entities Restrictedfines_government_administrative_entities | 9222 |
Fireplace, Fireplace Screens, and Accessories Storesfireplace_fireplace_screens_and_accessories_stores | 5718 |
Floor Covering Storesfloor_covering_stores | 5713 |
Floristsflorists | 5992 |
Florists Supplies, Nursery Stock, and Flowersflorists_supplies_nursery_stock_and_flowers | 5193 |
Freezer and Locker Meat Provisionersfreezer_and_locker_meat_provisioners | 5422 |
Fuel Dealers (Non Automotive)fuel_dealers_non_automotive | 5983 |
Funeral Services, Crematoriesfuneral_services_crematories | 7261 |
Furniture Repair, Refinishingfurniture_repair_refinishing | 7641 |
Furniture, Home Furnishings, and Equipment Stores, Except Appliancesfurniture_home_furnishings_and_equipment_stores_except_appliances | 5712 |
Furriers and Fur Shopsfurriers_and_fur_shops | 5681 |
General Servicesgeneral_services | 1520 |
Gift, Card, Novelty, and Souvenir Shopsgift_card_novelty_and_souvenir_shops | 5947 |
Glass, Paint, and Wallpaper Storesglass_paint_and_wallpaper_stores | 5231 |
Glassware, Crystal Storesglassware_crystal_stores | 5950 |
Golf Courses - Publicgolf_courses_public | 7992 |
Government Licensed On-line Casinos (On-Line Gambling)(US Region only) Restrictedgovernment_licensed_online_casions_online_gambling_us_region_only | 7801 |
Government Services (Not Elsewhere Classified) Restrictedgovernment_services | 9399 |
Government-Licensed Horse/Dog Racing (US Region only) Restrictedgovernment_licensed_horse_dog_racing_us_region_only | 7802 |
Government-Owned Lotteries (Non-US region)government_owned_lotteries_non_us_region | 9406 |
Government-Owned Lotteries (US Region only) Restrictedgovernment_owned_lotteries_us_region_only | 7800 |
Grocery Stores, Supermarketsgrocery_stores_supermarkets | 5411 |
Hardware Storeshardware_stores | 5251 |
Hardware, Equipment, and Supplieshardware_equipment_and_supplies | 5072 |
Health and Beauty Spashealth_and_beauty_spas | 7298 |
Hearing Aids Sales and Supplies Restrictedhearing_aids_sales_and_supplies | 5975 |
Heating, Plumbing, A/Cheating_plumbing_a_c | 1711 |
Hobby, Toy, and Game Shopshobby_toy_and_game_shops | 5945 |
Home Supply Warehouse Storeshome_supply_warehouse_stores | 5200 |
Hospitals Restrictedhospitals | 8062 |
Hotels, Motels, and Resortshotels_motels_and_resorts | 7011 |
Household Appliance Storeshousehold_appliance_stores | 5722 |
Industrial Supplies (Not Elsewhere Classified)industrial_supplies | 5085 |
Information Retrieval Servicesinformation_retrieval_services | 7375 |
Insurance Underwriting, Premiums Restrictedinsurance_underwriting_premiums | 6300 |
Intra-Company Purchasesintra_company_purchases | 9950 |
Jewelry Stores, Watches, Clocks, and Silverware Storesjewelry_stores_watches_clocks_and_silverware_stores | 5944 |
Landscaping Serviceslandscaping_services | 0780 |
Laundrieslaundries | 7211 |
Laundry, Cleaning Serviceslaundry_cleaning_services | 7210 |
Legal Services, Attorneyslegal_services_attorneys | 8111 |
Luggage and Leather Goods Storesluggage_and_leather_goods_stores | 5948 |
Lumber, Building Materials Storeslumber_building_materials_stores | 5211 |
Marinas, Service and Suppliesmarinas_service_and_supplies | 4468 |
Marketplacesmarketplaces | 5262 |
Masonry, Stonework, and Plastermasonry_stonework_and_plaster | 1740 |
Massage Parlorsmassage_parlors | 7297 |
Medical Services Restrictedmedical_services | 8099 |
Medical and Dental Labs Restrictedmedical_and_dental_labs | 8071 |
Medical, Dental, Ophthalmic, and Hospital Equipment and Supplies Restrictedmedical_dental_ophthalmic_and_hospital_equipment_and_supplies | 5047 |
Membership Organizationsmembership_organizations | 8699 |
Mens and Boys Clothing and Accessories Storesmens_and_boys_clothing_and_accessories_stores | 5611 |
Mens, Womens Clothing Storesmens_womens_clothing_stores | 5691 |
Metal Service Centersmetal_service_centers | 5051 |
Miscellaneous Apparel and Accessory Shopsmiscellaneous_apparel_and_accessory_shops | 5699 |
Miscellaneous Auto Dealersmiscellaneous_auto_dealers | 5599 |
Miscellaneous Business Servicesmiscellaneous_business_services | 7399 |
Miscellaneous Food Stores - Convenience Stores and Specialty Marketsmiscellaneous_food_stores | 5499 |
Miscellaneous General Merchandisemiscellaneous_general_merchandise | 5399 |
Miscellaneous General Servicesmiscellaneous_general_services | 7299 |
Miscellaneous Home Furnishing Specialty Storesmiscellaneous_home_furnishing_specialty_stores | 5719 |
Miscellaneous Publishing and Printingmiscellaneous_publishing_and_printing | 2741 |
Miscellaneous Recreation Servicesmiscellaneous_recreation_services | 7999 |
Miscellaneous Repair Shopsmiscellaneous_repair_shops | 7699 |
Miscellaneous Specialty Retailmiscellaneous_specialty_retail | 5999 |
Mobile Home Dealersmobile_home_dealers | 5271 |
Motion Picture Theatersmotion_picture_theaters | 7832 |
Motor Freight Carriers and Trucking - Local and Long Distance, Moving and Storage Companies, and Local Delivery Servicesmotor_freight_carriers_and_trucking | 4214 |
Motor Homes Dealersmotor_homes_dealers | 5592 |
Motor Vehicle Supplies and New Partsmotor_vehicle_supplies_and_new_parts | 5013 |
Motorcycle Shops and Dealersmotorcycle_shops_and_dealers | 5571 |
Motorcycle Shops, Dealersmotorcycle_shops_dealers | 5561 |
Music Stores-Musical Instruments, Pianos, and Sheet Musicmusic_stores_musical_instruments_pianos_and_sheet_music | 5733 |
News Dealers and Newsstandsnews_dealers_and_newsstands | 5994 |
Non-FI, Money Orders Restrictednon_fi_money_orders | 6051 |
Non-FI, Stored Value Card Purchase/Load Restrictednon_fi_stored_value_card_purchase_load | 6540 |
Nondurable Goods (Not Elsewhere Classified)nondurable_goods | 5199 |
Nurseries, Lawn and Garden Supply Storesnurseries_lawn_and_garden_supply_stores | 5261 |
Nursing/Personal Care Restrictednursing_personal_care | 8050 |
Office and Commercial Furnitureoffice_and_commercial_furniture | 5021 |
Opticians, Eyeglasses Restrictedopticians_eyeglasses | 8043 |
Optometrists, Ophthalmologist Restrictedoptometrists_ophthalmologist | 8042 |
Orthopedic Goods - Prosthetic Devices Restrictedorthopedic_goods_prosthetic_devices | 5976 |
Osteopaths Restrictedosteopaths | 8031 |
Package Stores-Beer, Wine, and Liquorpackage_stores_beer_wine_and_liquor | 5921 |
Paints, Varnishes, and Suppliespaints_varnishes_and_supplies | 5198 |
Parking Lots, Garagesparking_lots_garages | 7523 |
Passenger Railwayspassenger_railways | 4112 |
Pawn Shopspawn_shops | 5933 |
Pet Shops, Pet Food, and Suppliespet_shops_pet_food_and_supplies | 5995 |
Petroleum and Petroleum Productspetroleum_and_petroleum_products | 5172 |
Photo Developingphoto_developing | 7395 |
Photographic Studiosphotographic_studios | 7221 |
Photographic, Photocopy, Microfilm Equipment, and Suppliesphotographic_photocopy_microfilm_equipment_and_supplies | 5044 |
Picture/Video Productionpicture_video_production | 7829 |
Piece Goods, Notions, and Other Dry Goodspiece_goods_notions_and_other_dry_goods | 5131 |
Plumbing, Heating Equipment, and Suppliesplumbing_heating_equipment_and_supplies | 5074 |
Political Organizations Restrictedpolitical_organizations | 8651 |
Postal Services - Government Only Restrictedpostal_services_government_only | 9402 |
Precious Stones and Metals, Watches and Jewelryprecious_stones_and_metals_watches_and_jewelry | 5094 |
Professional Servicesprofessional_services | 8999 |
Public Warehousing and Storage - Farm Products, Refrigerated Goods, Household Goods, and Storagepublic_warehousing_and_storage | 4225 |
Quick Copy, Repro, and Blueprintquick_copy_repro_and_blueprint | 7338 |
Railroadsrailroads | 4011 |
Real Estate Agents and Managers - Rentalsreal_estate_agents_and_managers_rentals | 6513 |
Record Storesrecord_stores | 5735 |
Recreational Vehicle Rentalsrecreational_vehicle_rentals | 7519 |
Religious Goods Storesreligious_goods_stores | 5973 |
Religious Organizations Restrictedreligious_organizations | 8661 |
Roofing/Siding, Sheet Metalroofing_siding_sheet_metal | 1761 |
Secretarial Support Servicessecretarial_support_services | 7339 |
Security Brokers/Dealers Restrictedsecurity_brokers_dealers | 6211 |
Service Stationsservice_stations | 5541 |
Sewing, Needlework, Fabric, and Piece Goods Storessewing_needlework_fabric_and_piece_goods_stores | 5949 |
Shoe Repair/Hat Cleaningshoe_repair_hat_cleaning | 7251 |
Shoe Storesshoe_stores | 5661 |
Small Appliance Repairsmall_appliance_repair | 7629 |
Snowmobile Dealerssnowmobile_dealers | 5598 |
Special Trade Servicesspecial_trade_services | 1799 |
Specialty Cleaningspecialty_cleaning | 2842 |
Sporting Goods Storessporting_goods_stores | 5941 |
Sporting/Recreation Campssporting_recreation_camps | 7032 |
Sports Clubs/Fieldssports_clubs_fields | 7941 |
Sports and Riding Apparel Storessports_and_riding_apparel_stores | 5655 |
Stamp and Coin Storesstamp_and_coin_stores | 5972 |
Stationary, Office Supplies, Printing and Writing Paperstationary_office_supplies_printing_and_writing_paper | 5111 |
Stationery Stores, Office, and School Supply Storesstationery_stores_office_and_school_supply_stores | 5943 |
Swimming Pools Salesswimming_pools_sales | 5996 |
TUI Travel - Germanyt_ui_travel_germany | 4723 |
Tailors, Alterationstailors_alterations | 5697 |
Tax Payments - Government Agencies Restrictedtax_payments_government_agencies | 9311 |
Tax Preparation Servicestax_preparation_services | 7276 |
Taxicabs/Limousinestaxicabs_limousines | 4121 |
Telecommunication Equipment and Telephone Salestelecommunication_equipment_and_telephone_sales | 4812 |
Telecommunication Services Restrictedtelecommunication_services | 4814 |
Telegraph Servicestelegraph_services | 4821 |
Tent and Awning Shopstent_and_awning_shops | 5998 |
Testing Laboratoriestesting_laboratories | 8734 |
Theatrical Ticket Agenciestheatrical_ticket_agencies | 7922 |
Timeshares Restrictedtimeshares | 7012 |
Tire Retreading and Repairtire_retreading_and_repair | 7534 |
Tolls/Bridge Feestolls_bridge_fees | 4784 |
Tourist Attractions and Exhibitstourist_attractions_and_exhibits | 7991 |
Towing Servicestowing_services | 7549 |
Trailer Parks, Campgroundstrailer_parks_campgrounds | 7033 |
Transportation Services (Not Elsewhere Classified)transportation_services | 4789 |
Travel Agencies, Tour Operatorstravel_agencies_tour_operators | 4722 |
Truck StopIterationtruck_stop_iteration | 7511 |
Truck/Utility Trailer Rentalstruck_utility_trailer_rentals | 7513 |
Typesetting, Plate Making, and Related Servicestypesetting_plate_making_and_related_services | 2791 |
Typewriter Storestypewriter_stores | 5978 |
U.S. Federal Government Agencies or Departments Restrictedu_s_federal_government_agencies_or_departments | 9405 |
Uniforms, Commercial Clothinguniforms_commercial_clothing | 5137 |
Used Merchandise and Secondhand Storesused_merchandise_and_secondhand_stores | 5931 |
Utilitiesutilities | 4900 |
Variety Storesvariety_stores | 5331 |
Veterinary Servicesveterinary_services | 0742 |
Video Amusement Game Suppliesvideo_amusement_game_supplies | 7993 |
Video Game Arcadesvideo_game_arcades | 7994 |
Video Tape Rental Storesvideo_tape_rental_stores | 7841 |
Vocational/Trade Schoolsvocational_trade_schools | 8249 |
Watch/Jewelry Repairwatch_jewelry_repair | 7631 |
Welding Repairwelding_repair | 7692 |
Wholesale Clubswholesale_clubs | 5300 |
Wig and Toupee Storeswig_and_toupee_stores | 5698 |
Wires, Money Orders Restrictedwires_money_orders | 4829 |
Womens Accessory and Specialty Shopswomens_accessory_and_specialty_shops | 5631 |
Womens Ready-To-Wear Storeswomens_ready_to_wear_stores | 5621 |
Wrecking and Salvage Yardswrecking_and_salvage_yards | 5935 |