The Merchant Category Code (MCC) is a four-digit code used by the bankcard industry to classify a merchant's primary business. The MCC describes a merchant's product, service, or nature of business. In cases where a merchant is engaged in more than one type of business, the MCC will reflect the merchant's primary line of business.

While some MCCs refer to general merchant and transaction types (e.g., motor home dealers, costume rental, garden supply stores), others identify specific merchants (i.e., certain travel and entertainment merchants). Major Travel and Entertainment (T&E) merchants have been designated unique merchant-specific MCCs (e.g., 3640 = Hyatt Hotels).