What is a MCC code?
An MCC or Merchant Commodity Code is a four digit code assigned to every supplier that accepts MasterCard. The bank that processes the supplier’s charge card charges assigns the MCC Code to that supplier. UMSL has no control over what MCC Codes are assigned to suppliers. Each vendor is assigned only one MCC Code. An example: the MCC Code # 5411 Schnucks Grocery Stores, Supermarkets, #5912 Walgreens – Drug store, #5746 – OJ Photo Camera, Camera and Photo Supply Stores. For every transaction or purchase, the MCC Code of the supplier is compared to the list of authorized MCC Codes for the Purchasing Card being used. If a supplier has a MCC Code that is not included as an authorized code, the transaction will be refused. MCC Codes and card limits provide the University and the Cardholder additional security that the purchasing card will not be misused. Users are assigned the MCC Group that best relates to their needs as a purchaser.
