Business classification (MCC)
Business classification helps Paypercut understand the primary activity of a connected account.
During onboarding, your platform should ask the merchant to select the option that best describes their business. Paypercut uses this classification for account setup, payment processing, compliance review, and reporting.
What is an MCC
An MCC, or Merchant Category Code, is a 4-digit code that identifies the primary business activity of a merchant.
Examples:
5812— Eating places, restaurants5734— Computer software stores5411— Grocery stores, supermarkets
Ask merchants to select the category that best represents their primary business activity.
How to present MCC options
For most onboarding flows, do not show merchants a long raw list of MCC codes.
Instead, group the options into business categories and show both:
- a plain-language business type
- the related MCC code
Recommended UI patterns:
- category selector followed by business type
- searchable dropdown
- grouped list by industry
Usage in account onboarding
The selected MCC is typically submitted as part of the connected account’s business profile.
{
"business_profile": {
"mcc": "5812"
}
}
Supported MCCs
The following MCCs are available for business classification.
Availability may depend on account country, compliance review, and Paypercut acceptance policy.
Apparel
| MCC | Description |
|---|---|
| 5699 | Accessory and apparel stores: miscellaneous |
| 5641 | Children’s and infants’ wear stores |
| 5651 | Family clothing stores |
| 5948 | Leather goods and luggage stores |
| 5611 | Men’s and boys’ clothing and accessories stores |
| 5691 | Men’s and women’s clothing stores |
| 5661 | Shoe stores |
| 5655 | Sports apparel and riding apparel stores |
| 5631 | Women’s accessories and specialty stores |
| 5621 | Women’s ready-to-wear stores |
Auto
| MCC | Description |
|---|---|
| 5511 | Automobile and truck dealers: sales, service, repairs, parts, and leasing |
| 7531 | Automotive body repair shops |
| 5533 | Automotive parts and accessories stores |
| 7512 | Automobile rental agency: not elsewhere classified |
| 7542 | Car washes |
| 5552 | Electric vehicle charging |
| 5571 | Motorcycle shops and dealers |
Alcohol and tobacco
| MCC | Description |
|---|---|
| 5921 | Package stores, beer, wine, and liquor |
| 5993 | Cigar stores and stands |
| 0743 | Wine producer |
Antique shops
| MCC | Description |
|---|---|
| 5932 | Antique shops: sales, repairs, and restoration services |
Bars and clubs
| MCC | Description |
|---|---|
| 5813 | Bars, cocktail lounges, discotheques, nightclubs, and taverns |
Books and publishing
| MCC | Description |
|---|---|
| 5192 | Books, periodicals, and newspapers |
| 5942 | Book stores |
Education
| MCC | Description |
|---|---|
| 8211 | Schools, elementary and secondary |
| 8299 | Schools and educational services: not elsewhere classified |
Electronics and similar
| MCC | Description |
|---|---|
| 5732 | Electronics and computer hardware |
| 4812 | Telecommunication equipment including telephone sales |
| 5045 | Computers, computer peripheral equipment, and software |
| 5072 | Hardware equipment and supplies |
Food stores
| MCC | Description |
|---|---|
| 5411 | Grocery stores, supermarkets |
| 5441 | Candy, nut, and confectionery stores |
| 5451 | Dairy product stores |
| 5462 | Bakeries |
| 5499 | Miscellaneous food stores, convenience stores, markets, and specialty stores |
Food and drinks
| MCC | Description |
|---|---|
| 5812 | Eating places, restaurants |
| 5814 | Fast food restaurants |
| 5811 | Caterers |
Health and beauty
| MCC | Description |
|---|---|
| 7230 | Barber and beauty shops |
| 7298 | Health and beauty spas |
| 7297 | Massage parlors |
| 5977 | Cosmetic stores |
Home, decor, and furniture
| MCC | Description |
|---|---|
| 5722 | Household appliance stores |
| 5714 | Drapery, upholstery, and window covering stores |
| 5712 | Furniture stores |
| 5251 | Hardware stores |
| 5198 | Paints, varnishes, and supplies |
Hotel and accommodation
| MCC | Description |
|---|---|
| 7011 | Lodging: hotels, motels, and resorts: not elsewhere classified |
Medical services
| MCC | Description |
|---|---|
| 8011 | Doctors: not elsewhere classified |
| 8021 | Dentists and orthodontists |
| 8031 | Osteopathic physicians |
| 8043 | Opticians, optical goods, and eyeglasses |
| 8099 | Healthcare and medical services |
Miscellaneous stores
| MCC | Description |
|---|---|
| 5970 | Artist supply stores and craft shops |
| 5940 | Bicycle shops: sales and service |
| 5947 | Card, gift, novelty, and souvenir shops |
| 5946 | Camera and photographic supply stores |
| 5950 | Crystal and glassware stores |
| 5734 | Computer software stores |
| 5992 | Florists |
| 5945 | Game, toy, and hobby shops |
| 5995 | Pet shops: pet food and supplies |
| 5973 | Religious goods stores |
| 5941 | Sporting goods stores |
| 5999 | Miscellaneous and specialty retail stores |
| 5399 | Miscellaneous general merchandise stores |
Jewelry and watches
| MCC | Description |
|---|---|
| 5944 | Clock, jewelry, watch, and silverware stores |
Real estate
| MCC | Description |
|---|---|
| 6513 | Real estate agents and managers: rentals |
Tourism
| MCC | Description |
|---|---|
| 4722 | Travel agencies and tour operators |
| 7991 | Tourist attractions and exhibits |
| 4457 | Boat leases and boat rentals |
Taxi and limousine services
| MCC | Description |
|---|---|
| 4121 | Limousines and taxicabs |
Recreation and entertainment
| MCC | Description |
|---|---|
| 7832 | Motion picture theaters |
| 7932 | Pool and billiard establishments |
| 7933 | Bowling alleys |
| 7999 | Recreation services: not elsewhere specified |
| 7997 | Clubs: country clubs, athletic clubs, recreation clubs, sports clubs, and private golf courses |
Professional services
| MCC | Description |
|---|---|
| 7399 | Business services: not elsewhere classified |
| 8931 | Accounting, auditing, and bookkeeping services |
| 7311 | Advertising services |
| 1711 | Air conditioning, heating, and plumbing contractors |
| 5697 | Alterations, mending, seamstresses, and tailors |
| 8111 | Attorneys and legal services |
| 7349 | Cleaning, maintenance, and janitorial services |
| 7210 | Cleaning, garment, and laundry services |
| 7333 | Commercial art, graphics, and photography |
| 7216 | Dry cleaners |
| 1731 | Electrical contractors |
| 7342 | Exterminating and disinfecting services |
| 1520 | General contractors |
| 7211 | Laundry services: family and commercial |
| 2741 | Miscellaneous publishing and printing |
| 7299 | Other services: not elsewhere classified |
| 8999 | Professional services: not elsewhere classified |
| 4111 | Transportation: suburban and local commuter passenger, including ferries |
| 0742 | Veterinary services |
| 7221 | Photographic studios |
| 7372 | Computer Programming, Data Processing, and Integrated Systems Design Services |
Charities and NGOs
| MCC | Description |
|---|---|
| 8398 | Charitable and social service organizations |
