Free · 每日一学 · 1 分钟Daily basics · 1 min
MCC 商户类别码是什么?What Is an MCC?
MCC(Merchant Category Code)= 4 位数字,标识商户"做什么生意"(超市、餐饮、加油、航空…)。报文里在 DE18。它不只是分类——还直接影响手续费、积分返现、风控、消费限制。
MCC (Merchant Category Code) = a 4-digit code for what kind of business a merchant is (grocery, dining, fuel, airline…). It sits in DE18. It's not just a label — it drives fees, rewards, risk rules and spend controls.
几个常见 MCCA few common MCCs
| MCC | 类别Category |
|---|
5411 | 超市 / 杂货Grocery stores / supermarkets |
5814 | 快餐Fast food restaurants |
5541 | 加油站Service stations (fuel) |
4111 | 交通 / 通勤Transportation / commuter |
3000–3299 | 航空公司Airlines |
6011 | ATM 取现ATM cash withdrawal |
一句话记住:MCC 是商户的"行业身份证"(DE18)。同样刷 100 元,MCC 不同,手续费率、能不能返现、风控松紧都可能不一样。Remember: the MCC is a merchant's "industry ID" (DE18). The same $100 charge can carry different fees, rewards eligibility and risk treatment depending on the MCC.
👉 相关:四方模型(交换费从哪来)、字段速查(DE18)。👉 Related: four-party model (where fees come from), field reference (DE18).