Using the merchant category code, you can find out the merchants corresponding to the number of merchants who spend credit cards.

the merchant category code (MCC for short) consists of four-digit codes. The merchant category code is set by the acquiring institution for the special merchants, which is used to indicate the trading environment of UnionPay cards, the main business scope and industry affiliation of the merchants, and 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 and reporting of UnionPay card trading industry and the risk management and control of UnionPay card business.

when signing a contract with a special merchant, the acquiring institution should investigate and understand the actual main business, business scope and operating conditions of the merchant, so as to ensure that the merchant has a good operating reputation and a stable financial situation. Merchant coding format (merchant number format), the bank card receipt management measures stipulate that the merchant number is 15 digits: organization code (3 digits)+area code (4 digits)+merchant type (4 digits)+merchant sequence number (4 digits).

the merchant category code set for the special merchant by the receiver/buyer must be consistent with the main business of the merchant.

Extended information:

Class code:

Some merchants carry out mixed operation, that is, merchants sell a variety of different goods to cardholders at the same time, or provide a variety of services at the same time, or provide a package of goods and services.

For example, a distributor of electrical appliances and digital products may provide small-scale related products and maintenance services to customers at the same time; Hotel merchants also provide gift sales, catering services or other leisure services and so on.

1. When the various business categories involved by mixed-operation merchants are not independent from each other and cannot be strictly distinguished, the acquiring institution must set MCC according to the main business of mixed-operation merchants, which means that operating income is the most important part.

For example, vendors of electrical appliances and digital products also provide repair and maintenance services for similar products. At this time, the merchant code can be set according to the main business of the merchant. If the main business is electrical appliance sales, you can use MCC5732 (home appliance store). If the main business is electrical appliance maintenance, you can use MCC7622 (electrical equipment maintenance).

2. When the businesses involved in mixed operation operate independently (or in opposition to each other) and can be distinguished, the acquiring institution can compile the merchant code according to the actual business category where the transaction takes place.

For example, a restaurant provides catering services as well as gifts and souvenirs. Merchant numbers should be set separately to distinguish them, and MCC5812 (dining place and restaurant) should be set for the catering part, with a discount rate of 1.25%; For the sales of gifts and souvenirs, MCC5947 (gift, card, ornament and souvenir shop) should be set up, with a discount rate of 1.78%. It is forbidden to use uniform low-rate MCC.

3. Comprehensive retail enterprises, such as department stores, home appliances sales and large warehouse supermarkets, are not mixed-operation merchants, and have corresponding MCC to use.