09/09/2026
Your MCC is a four digit code your acquiring bank assigned to you when your account was set up.
It can affect your pricing, reserve requirements, funding schedule, and whether you get approved at all. Fi****ms retailers, dating platforms, subscription box sellers, and crypto exchanges all receive different MCCs.
There's no universal "high-risk MCC" list, though. Your code is one input β your business model, sales channels, processing history, and chargeback rates all have an impact on potential high-risk classification.
That is also why two merchants with the same MCC can end up with quite different contract terms.
Our latest guide covers:
π A list of common high-risk MCCs (and which ones Visa or Mastercard require registration for)
βοΈ High risk vs restricted vs prohibited business classification discussion
π How to find the MCC you've been assigned β and what to do if you believe it is incorrect
π Read the full guide here: https://secureglobalpay.net/high-risk-mcc-codes/