SDWO for fund transfer arrangement

MCC table for each SDWO type

For digital wallets with a fund transfer arrangement, the Merchant Category Code (MCC) value may vary depending on the SDWO type and card brand. See the complete table below:

Type	MCC for Mastercard (debit and credit)	MCC for ELO (debit and single payment credit - prepaid only)*	MCC for Visa	MCC for Amex
Me2Me	6540	6540 ou 6051	6540 ou 6051	6540
P2P	6540	-	6540 ou 6051	6540
Transfer to another arrangement	6540	-	6540	6540
Bill Payment Unidentified	6540	-	Refer to the Visa MCC table for Bill Payment	6540
Bill Payment Identified	6540	-	Refer to the Visa MCC table for Bill Payment	6540
Toll	4784	4784	4784	4784

*The Elo brand considers all arrangements as Me2Me.

Visa MCCs for Bill Payment

For Visa transactions classified as Identified Bill Payment or Unidentified Bill Payment, the following MCCs are accepted:

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Important
For Visa transactions of the types Identified Bill Payment and Unidentified Bill Payment, provide the MCC according to the economic activity of the receiving merchant, following the list of eligible MCCs shown below.

MCC	Description
4814	Telecommunications Services
4899	Pay TV, Streaming, and Radio
4900	Utilities: Water, Energy, Gas, and Sanitation
6012	Financial Institutions – Payments and Debt Settlement
6051	Non-Financial Institutions – Payments and Debt Settlement
6300	Insurance
6513	Real Estate Management and Brokerage
6540	Financial Institutions / Funds Transfer
8011	Doctors and Clinics
8050	Residential Care and Home Care
8062	Hospitals
8099	Health Services
8111	Legal Services
8211	Elementary and Secondary Education
8220	Colleges and Universities
8241	Correspondence Education
8244	Business and Secretarial Schools
8249	Technical and Vocational Schools
8299	Other Educational Services
8351	Daycare and Child Care Services
9311	Tax and Government Duty Payments

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