Merchant Category Codes

The eFundYourHealth Debit Card limits the use of the card to approved Merchant Category Codes.

What are Merchant Category Codes?

Merchant Category Codes (MCC) are set by the major credits (payment card industry) and universally used by all major credit cards. MCCs are 4-digit numbers assigned to a business' primary activity when they first register to accept credit cards. 

An example, the code for Medical Services and Health Practitioners (Not Elsewhere Classified) is 8099.

Who can accept the eFundYourHealth Debit Card?

Our debit card is similar to other debit card. It works anywhere VISA is accepted.

The only difference is we limit the use of the card based on Merchant Category Codes (MCC).

An example, you will be able to purchase services from the MCC 8099, which is the code for Medical Services and Health Practitioners (Not Elsewhere Classified). However, you will not be able to make a purchase from MCC 7832, which are movie theaters.

Approved Codes

MCC Code  |  Description

8011 / 8099| COMPLEMENTARY, INTEGRATIVE, AND ALTERNATIVE PRACTITIONERS
8041 | CHIROPRACTORS
8049 | CHIROPODISTS, PODIATRISTS
7277 | PROFESSIONAL COUNSELING
8021 | DENTISTS
8050 | NURSING AND PERSONAL CARE FACILITIES
7297 | MASSAGE THERAPY
8043 | OPTICIANS
8042 | OPTOMETRISTS, OPTHAMOLOGISTS
8031 | OSTEOPATHIC PHYSICIANS
7997 | GYM MEMBERSHIPS
5047 / 8071 | TESTING LABORATORIES (MEDICAL)
8734 | TESTING LABORATORIES (NON-MEDICAL)
7999 | ACTIVE RECREATION SERVICES
5462 | HEALTH & GLUTEN-FREE BAKERIES
5451 / 5422 / 5411 | HEALTH FOOD STORES & HEALTHY GROCERIES
7298 | HEALTH SPAS

Denied Codes

MCC Code  |  Description

1711 - 1799 | CONSTRUCTION SERVICES
2741 - 2791 | PUBLISHING SERVICES
2842 | SANITATION SERVICES
3000 - 3299 | ALL AIRLINES
3351 - 3441 | ALL CAR RENTAL AGENCIES
3501 - 3828 | ALL HOTELS
4011 - 4789 | GROUND, RAIL, AND MARINE TRANSPORTATION AND AGENCY SERVICES AND FEES
4812 - 4900 | COMMUNICATION SERVICES
5013 - 5046 | COMMERCIAL AND OFFICE SERVICES
5051 - 5085 | HARDWARE STORES
5094 - 5399, 5611 - 5735 | JEWELRY, CLOTHING, FOOTWEAR, FLOWERS, PAINT, GARDENING, STATIONARY, BOOKS, DUTY FREE, MUSIC SHOPS, TAILORS, WIGS, CARPETS, ALCOHOL, APPLIANCES, ELECTRONIC SALES, COMPUTERS
5499 - 5599 | GAS STATIONS AND AUTOMOTIVE SERVICES & DEALERS
5811 - 5814 | RESTAURANTS
5815 - 5950 | GAMBLING, DIGITAL MEDIA, DIGITAL APPS, DIGITAL GOODS, ANTIQUE SHOPS, PAWN SHOPS, SPORTING GOODS, BOOK STORES, HOBBY STORES, GLASSWARE
5963 - 5974 | TELEMARKETING SERVICES AND GOODS, CATALOG MERCHANTS, DIRECT SELLING, ART SUPPLIES, ART DEALERS, SUBSCRIPTION MERCHANTS
6300 - 6760 | INSURANCE, SAVINGS BONDS, REAL ESTATE RENTALS, TIMESHARES, CAMPGROUNDS
7230 - 7276 | BEAUTY SHOPS, DATING AND ESCORT SERVICES, TAX PREPARATION
7311 - 7399 | PROFESSIONAL SERVICES
7511 - 7699 | PROFESSIONAL AUTOMOTIVE AND TRANSPORTATION
7829 - 7998 | ENTERTAINMENT GOODS AND SERVICES
8111 | LEGAL SERVICES
8211 - 8699 | EDUCATIONAL INSTITUTIONS AND ORGANIZATIONS (GOVERNMENT, NONPROFIT, POLITICAL)
8911 - 8999 | ENGINEERING AND ACCOUNTING PROFESSIONAL SERVICES
9211 - 9702 | FINES, BAIL, COURT COSTS, TAX PAYMENTS, POSTAGE STAMPS