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 |
|---|---|---|---|
| Me2Me | 6540 | 6540 or 6051 | 6540 or 6051 |
| P2P | 6540 | - | 6540 or 6051 |
| Transfer to another arrangement | 6540 | - | 6540 |
| Bill Payment Unidentified | 6540 | - | Refer to the Visa MCC table for Bill Payment |
| Bill Payment Identified | 6540 | - | Refer to the Visa MCC table for Bill Payment |
| Toll | 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:
ImportantFor 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 |