Which MCC codes are restricted when using a Visa Platinum Card?
What is an MCC Code?
A Merchant Category Code (MCC) is a four-digit number assigned to businesses by credit card companies to categorize the type of goods or services they sell. These codes help credit card companies:
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Identify fraud: MCCs can assist in detecting suspicious spending patterns.
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Offer rewards programs: Certain credit cards offer rewards based on MCC categories (e.g., cashback on travel purchases).
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Set interchange fees: The fees charged to merchants for processing transactions can vary depending on the MCC.
Which MCC codes are restricted when using a Visa Platinum Card?
For security and regulatory reasons, your card will not accept payments under the following codes
| Blocked MCC code | MCC Name |
| 4829 | Money Transfer |
| 5499 | Miscellaneous Food Stores—Specialty Markets |
| 5542 | Automated Fuel Dispenser |
| 5966 | Outbound Telemarketing Merchants |
| 5967 | Direct Marketing—Inbound Telemarketing Merchants |
| 5968 | Direct Marketing—Continuity/Subscription Merchants |
| 6012 | Financial Institutions |
| 6051 | Non-Financial Institutions—Foreign Currency, Travelers Cheques, and Money Orders |
| 6540 | Non-FI, Stored Value Card Purchase/Load |
| 7273 | Dating and Escort Services |
| 7276 | Tax Preparation Services |
| 7841 | Coin-Operated Amusement Devices |
| 7841 | Video Game Arcades |
| 7995 | Betting, Casino, and Gambling |
| 8244 | Business and Vocational Schools |
| 8999 | Professional Services (not elsewhere classified) |
| 9223 | Bail and Bond Payments (payment to the surety for the bond, not the actual bond paid to the government agency) |