Set merchant category codes

Learn about merchant category codes (MCCs) and how to set them for your connected accounts.

Merchant category codes (MCCs) are used to classify businesses by the type of goods or services they provide. For example, the MCC for grocery stores is 5411 and the MCC for bus lines is 4131. These codes are often used for calculating interchange fees, authorizing payments, and preventing fraud, so it’s important that your connected accounts’ MCCs match their businesses.

Each Stripe account has exactly one MCC. To view the MCC for a connected account, retrieve the Account and look at the configuration.merchant.mcc property (Accounts v2) or business_profile.mcc property (Accounts v1).

Stripe automatically sets MCC codes for connected accounts, but you can choose to set them manually for Accounts that your platform controls.

Stripe sometimes flags connected accounts for review. If our review determines that an MCC is inaccurate, regardless of whether Stripe or the platform originally set it, we might update it. In that case, we notify you by sending a v2.core.account[configuration.merchant].updated webhook event (Accounts v2) or an account.updated webhook event (Accounts v1). The platform can’t change the new MCC, and attempting to do so returns an error.

Set MCCs automatically

Stripe automatically evaluates connected 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 determines its MCC. For connected accounts where Stripe collects updated information for due or changed requirements, or that use Stripe-hosted onboarding, the MCC is set during onboarding.

If Stripe can’t determine the MCC using the industry that the connected account provides, we might use information from the connected account’s website. If that also fails, we use the platform’s MCC or Stripe’s default MCC ( 5734 Computer Software Stores).

Set MCCs manually

You can set a specific MCC when you create or update an Account that you control. Stripe must verify that a manually set MCC fits the connected account’s industry, similarly to other identity information. The following examples use the code for Computer Software Stores ( 5734).

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Merchant category code list

The following is a list of supported MCCs. You must contact Stripe to use a restricted MCC.