Industry & Item Categories

MCC codes, item categories, and industry classifications for payment transactions

Overview

Merchant Category Codes (MCCs), item categories, and industry classifications affect how payment transactions are processed, what data is required, and what interchange rates apply. This reference covers the codes and categories relevant to Yuno payment integrations.

Merchant Category Codes (MCC)

MCCs are four-digit codes assigned by card networks that classify a merchant’s primary business type. Your MCC affects interchange rates, chargeback rules, and whether certain card types can be used for transactions.

Common E-Commerce MCCs

MCC	Category	Description
4511	Airlines	Scheduled passenger air transportation
4722	Travel agencies	Travel agencies and tour operators
5411	Grocery / Supermarkets	Grocery stores and supermarkets
5651	Family clothing	Family clothing stores
5691	Clothing stores	Men’s and women’s clothing stores
5699	Apparel and accessories	Miscellaneous apparel and accessory shops
5812	Restaurants	Eating places and restaurants
5912	Drug stores	Drug stores and pharmacies
5942	Book stores	Book stores
5999	Miscellaneous retail	Miscellaneous and specialty retail stores
5816	Digital goods	Digital goods. Games, apps, software
5817	Software	Computer software stores
5818	Telecom	Digital goods. Large digital goods merchants
7011	Hotels / Lodging	Hotels, motels, and resorts
7372	Computer software	Prepackaged computer software
7995	Gambling	Betting, casino, lottery
8011	Doctors	Doctors and physicians (not elsewhere classified)
8021	Dentists	Dentists and orthodontists
8062	Hospitals	Hospitals
8999	Professional services	Professional services (not elsewhere classified)

Some MCCs are restricted by certain issuers or card networks. For example, MCC 7995 (gambling) may be blocked by some issuers. High-risk MCCs may also require additional underwriting from providers.

Setting MCC in Yuno

Your MCC is typically configured at the provider/connection level during onboarding. To update your MCC:

1. Navigate to Dashboard > Connections
2. Select the provider connection
3. Update the merchant category code in the provider settings
4. Contact your Yuno account manager if the MCC field is not editable

Some providers allow per-transaction MCC overrides for marketplace or platform use cases. Check with your provider for support.

Item Categories

Item categories classify the type of goods or services being sold in a transaction. Some payment methods and providers use this information for risk assessment, tax calculation, and regulatory compliance.

Category	Code	Description	Example
Physical goods	PHYSICAL	Tangible items that require shipping	Electronics, clothing, books
Digital goods	DIGITAL	Intangible items delivered electronically	Software licenses, e-books, streaming access
Services	SERVICE	Professional or personal services	Consulting, repairs, subscriptions
Donations	DONATION	Charitable contributions	Nonprofit donations
Tickets / Events	TICKET	Admission to events or experiences	Concert tickets, museum passes
Travel	TRAVEL	Travel-related purchases	Flights, hotel bookings
Food / Beverage	FOOD	Food and drink orders	Restaurant orders, grocery delivery

Set the item category in the items[].category field of the payment request body.

Industry-Specific Requirements

Certain industries require additional data fields in the payment request to qualify for lower interchange rates, meet regulatory requirements, or reduce chargeback risk.

Airlines (MCC 4511)

Airlines must provide Level 2/3 data including passenger details and itinerary information. See Airline Information for the complete field reference.

Required additional fields:

• Passenger name and ticket number
• Departure and arrival airports
• Travel dates and carrier codes
• PNR (Passenger Name Record)

Hotels / Lodging (MCC 7011)

Required additional fields:

• Check-in and check-out dates
• Guest name
• Hotel folio number
• Daily room rate

Recurring / Subscription Services

Required additional fields:

• Initial transaction reference (for subsequent charges)
• Billing frequency
• Subscription start and end dates
• Stored credential indicator

Marketplaces / Platforms

Required additional fields:

• Sub-merchant identifier
• Split payment configuration
• Item-level seller information

Failing to provide industry-specific data may result in higher interchange rates or transaction declines from certain providers. Always include the relevant additional fields for your merchant category.