退款
MCC 查询

通过快速可靠的 MCC 查询,即时识别商家的类别代码并了解他们的业务类型。

什么是 MCC商家类别代码?

一个 商家类别代码 (MCC) 是由信用卡网络和收单银行分配给企业的四位数字。该代码用于识别商家提供的商品或服务的类型,Visa和Mastercard等支付网络使用该代码对交易进行分类。MCC对于确定交换费、纳税申报和评估与特定商家相关的风险水平至关重要。

企业、支付处理商和金融机构依赖 MCC 数据来验证商户类型、检测高风险行业、防止退款和优化交易处理。MCC查询工具使您可以在几秒钟内轻松访问这些信息。

为什么要使用 MCC 查询工具?

MCC 查询工具允许您按代码或业务类型搜索卖家类别代码,帮助您快速了解商家的行业分类。这些信息对于防止欺诈和退款至关重要,使您能够在批准交易之前识别高风险商家。它还通过确保准确的税收和监管分类来帮助合规和报告。

除此之外,MCC数据还允许企业优化付款流程,收取正确的交换费,并减少交易处理过程中代价高昂的错误。通过获得准确的 MCC 信息,您可以做出更智能、更安全、更有利可图的付款决策。

谁从 MCC 查询中受益?

MCC 查询对于收购银行、支付处理商、PSP、金融科技平台、商户和市场非常有价值。金融机构可以验证商家的风险状况,防止身份欺诈,并保持对网络规则的合规性。

商家可以验证其分配的 MCC,以确保准确的费用结构和正确的交易分类。无论您是管理在线支付、招募新商户还是监控交易风险,拥有可靠的MCC数据都可以帮助您更高效地运营并自信地做出明智的决策。

Merchant Category Code

6540

Non-FI, Stored Value Card Purchase/Load

5261

Nurseries, Lawn and Garden Supply Stores

8050

Nursing/Personal Care

5021

Office and Commercial Furniture

8043

Opticians, Eyeglasses

8042

Optometrists, Ophthalmologist

5976

Orthopedic Goods - Prosthetic Devices

8031

Osteopaths

5921

Package Stores-Beer, Wine, and Liquor

5198

Paints, Varnishes, and Supplies

7523

Parking Lots, Garages

4112

Passenger Railways

5933

Pawn Shops

5172

Petroleum and Petroleum Products

5995

Pet Shops, Pet Food, and Supplies

7395

Photo Developing

5044

Photographic, Photocopy, Microfilm Equipment, and Supplies

7221

Photographic Studios

7829

Picture/Video Production

5131

Piece Goods, Notions, and Other Dry Goods

5074

Plumbing, Heating Equipment, and Supplies

8651

Political Organizations

9402

Postal Services - Government Only

5094

Precious Stones and Metals, Watches and Jewelry

8999

Professional Services

4225

Public Warehousing and Storage - Farm Products, Refrigerated Goods, Household Goods, and Storage

7338

Quick Copy, Repro, and Blueprint

4011

Railroads

6513

Real Estate Agents and Managers - Rentals

5735

Record Stores

7519

Recreational Vehicle Rentals

5973

Religious Goods Stores

8661

Religious Organizations

1761

Roofing/Siding, Sheet Metal

7339

Secretarial Support Services

6211

Security Brokers/Dealers

5541

Service Stations

5949

Sewing, Needlework, Fabric, and Piece Goods Stores

7251

Shoe Repair/Hat Cleaning

5661

Shoe Stores

7629

Small Appliance Repair

5598

Snowmobile Dealers

1799

Special Trade Services

2842

Specialty Cleaning

5941

Sporting Goods Stores

7032

Sporting/Recreation Camps

5655

Sports and Riding Apparel Stores

7941

Sports Clubs/Fields

5972

Stamp and Coin Stores

5111

Stationery, Office Supplies, Printing and Writing Paper

5943

Stationery Stores, Office, and School Supply Stores

5996

Swimming Pools Sales

5697

Tailors, Alterations

4121

Taxicabs/Limousines

9311

Tax Payments - Government Agencies

7276

Tax Preparation Services

4812

Telecommunication Equipment and Telephone Sales

4814

Telecommunication Services

4821

Telegraph Services

5998

Tent and Awning Shops

8734

Testing Laboratories

7922

Theatrical Ticket Agencies

7012

Timeshares

7534

Tire Retreading and Repair

4784

Tolls/Bridge Fees

7991

Tourist Attractions and Exhibits

7549

Towing Services

7033

Trailer Parks, Campgrounds

4789

Transportation Services (Not Elsewhere Classified)

4722

Travel Agencies, Tour Operators

7513

Truck/Utility Trailer Rentals

4723

TUI Travel - Germany

2791

Typesetting, Plate Making, and Related Services

5978

Typewriter Stores

5137

Uniforms, Commercial Clothing

5931

Used Merchandise and Secondhand Stores

9405

U.S. Federal Government Agencies or Departments

4900

Utilities

5331

Variety Stores

742

Veterinary Services

7993

Video Amusement Game Supplies

7994

Video Game Arcades

7841

Video Tape Rental Stores

8249

Vocational/Trade Schools

7631

Watch/Jewelry Repair

7692

Welding Repair

5300

Wholesale Clubs

5698

Wig and Toupee Stores

4829

Wires, Money Orders

5631

Womens Accessory and Specialty Shops

5621

Womens Ready-To-Wear Stores

5935

Wrecking and Salvage Yards

经常问的问题

以下是我们收到的有关退款的最常见问题。

什么是退款?

Chargeback 是一项防退款服务,旨在完全按照其名称进行操作——防止拒付。

我们通过提醒您注意客户刚刚要求退款的交易来实现这一目标。然后,我们将在这些交易升级为拒付之前自动退款。

这有助于降低您的退款率、降低费用并最大限度地减少潜在的支付处理器问题。

Do you have an API?
What do I need to get started?

To get started, we’ll need your statement descriptor from your processor (the text that appears on cardholder statements). If you plan to use RDR, we’ll also need 4 ARNs or BINs and CAID.

For added American Express and Discover coverage, see this guide for the required information.

How long does set-up take?

Setup time depends on what you’re enrolling in:

  • Account onboarding: around 5 minutes
  • Ethoca and CDRN alerts: typically 12 hours
  • RDR alerts: typically 7 business days

See this guide for full setup-time details.

什么是退款?

Chargeback 是一项防退款服务,旨在完全按照其名称进行操作——防止拒付。

我们通过提醒您注意客户刚刚要求退款的交易来实现这一目标。然后,我们将在这些交易升级为拒付之前自动退款。

这有助于降低您的退款率、降低费用并最大限度地减少潜在的支付处理器问题。

我们错过了什么吗?
如果您还有其他问题,请随时联系我们。

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