What is mcc code?
Merchant Category Code (MCC) consists of four digits. Set by the acquiring institution for the contracted merchants, indicating the UnionPay card trading environment, main business scope and industry affiliation of their merchants is the main basis for judging the settlement fee standard of domestic interbank transactions merchants; It is also one of the important basic data for the analysis report of UnionPay card trading industry and the risk management and control of UnionPay card business.
Most non-payment professionals don't know this. Maybe they didn't care so much, they just swiped their credit cards. Until one day, they inexplicably received a card seal or a discount message from the bank, and he was dumbfounded.
Second, the MCC code query
Merchant number is 15 digits: organization code (3 digits), area code (4 digits), merchant type (4 digits) (red line) and merchant serial number (4 digits), where merchant type is MCC code. The following figure shows the purchase order after spending by credit card. The number 8- 1 1: 58 12 is MCC code.
What's the use of 3.3. MCC？
Credit cards can be exchanged for various gifts, phone bills, gas cards and even credit cards, but not every purchase has points. Different banks, even different card types, have different points rules. Every bank has a detailed MCC list in official website. To calculate points, you must know the points rules of credit cards like the back of your hand.
risk control
statistical analysis
marketing promotion
The basis of integration and cashback
interpret
Class B refers to all MCCs not specifically mentioned in the three categories of priority, mitigation and special.
The concessions mainly include supermarkets, big warehouse supermarkets, water and electricity payment, refueling, transportation and ticket sales.
The types of assistance mainly include non-profit medical institutions, non-profit educational institutions, non-profit charitable and social welfare institutions.
Special categories mainly include credit card repayment.
Related Q&A: Related Q&A: What is the unknown query result of Mcc code? Payment status: Share POS hardware products and pay attention to the payment market dynamics. Welcome everyone. I'm happy to answer your question. Unknown query results usually have two reasons:
① Incorrect input. The number entered is not in the code of more than 200 merchants in the national unified standard.
(2) Inquiry channels. In fact, the database of a famous MCC query website on the Internet is not only old, but also incomplete. I'm sorry that the subject also encountered this problem.
The theme is 57 19, right? In fact, you can find it in the right channel:
57 19: standard merchants
Merchant category: all kinds of home decoration franchise stores
Points: At present, it is known that ICBC has no points (the deadline for this data is 2065438+July 2008, and the specific implementation situation depends on the bank's update announcement, which generally does not change much).
Regarding the question of MCC code, headline Jun's answer is probably like this. If you find it useful, give me a compliment. Welcome to pay attention to my headline number "payment status"