Some purchases are subject to a per-card spending limit based on the merchant's Merchant Category Code (MCC), rather than your account's standard transaction limit. These limits apply automatically based on the type of merchant you're transacting with.
MCC limits
The table below lists the merchant categories with adjusted limits.
MCC | Category | Limit |
5932 | Antique Shop | $1000 per card per week |
5937 | Antique Reproduction Stores | $1000 per card per week |
5972 | Stamp and Coin Stores | $1000 per card per week |
6012 | Quasi Cash - Financial Institution - Merchandise and Services | $1000 per card per week |
6211 | Securities - Brokers and Dealers | $1000 per card per week |
6531 | Payment Service Provider | $1000 per card per week |
6532 | PYMT SVC PROV - MEMBER FIN INSTITUTION | $1000 per card per week |
6533 | PYMT SVC PROV - MERCHANT - PYMT TRAN | $1000 per card per week |
6534 | MONEY TRANSFER - person to person | $1000 per card per week |
6535 | Value transfer – funding | $1000 per card per week |
6536 | MoneySend / funding transactions | $1000 per card per week |
6537 | Payment service provider – miscellaneous | $1000 per card per week |
6611 | Overpayment refunds/financial adjustments | $1000 per card per week |
6760 | Savings Bonds | $1000 per card per week |
7273 | Dating and Escort Services | $1000 per card per week |
7322 | Collection Agencies | $1000 per card per week |
0376 | Unclassified / Reserved (historically airline-related; rarely used now) | $3000 per card per week |
2892 | Specialty cleaning, polishing, and sanitation preparations | $3000 per card per week |
3484 | Small arms / ammunition manufacturing | $3000 per card per week |
5122 | Drugs, Drug Proprietary's, and Druggists' Sundries | $3000 per card per week |
5681 | Furriers & Fur Shops | $3000 per card per week |
5993 | Cigar Stores & Stands | $3000 per card per week |
6529 | Remote stored value load (digital wallets, prepaid, crypto on-ramps) | $3000 per card per week |
7280 | Buying/Shopping Services, Clubs | $3000 per card per week |
7297 | Massage Parlors | $3000 per card per week |
7800 | Government Owned Lottery | $3000 per card per week |
7801 | Government Licensed On-Line Casinos (On-Line Gambling) (US Region only) | $3000 per card per week |
7802 | Government-Licensed Horse/Dog Racing (US Region only) | $3000 per card per week |
8631 | Labor Unions | $3000 per card per week |
8651 | Political Organizations | $3000 per card per week |
8661 | Religious Organizations | $3000 per card per week |
9401 | Government Services (Postal Services – Government Only) | $3000 per card per week |
9405 | U.S. Fed Government Agencies | $3000 per card per week |
9411 | Government Services (Non-Tax Payments) | $3000 per card per week |
9950 | Intra-Company Purchases | $3000 per card per week |
4829 | Quasi Cash - Wire Transfer Money Order | $500 per card per week |
5933 | Pawn Shop | $500 per card per week |
6010 | Cash Advances at Bank Branch | $500 per card per week |
6530 | Remote Stored Value Load – Merchant | $500 per card per week |
6538 | Mastercard MoneySend Funding | $500 per card per week |
6540 | POI Funding Transactions (Excluding MoneySend) | $500 per card per week |
6050 | Quasi-Cash – Member Financial Institution | $500 per card per week |
6051 | Mastercard – Quasi Cash – Merchant; Visa – Non-Financial Institutions | $500 per card per week |
6555 | Cryptocurrency purchase (explicit crypto MCC on some networks) | $500 per card per week |
7272 | Escort Services | $500 per card per week |
7948 | Racetracks | $500 per card per week |
7995 | Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting and Wagers at Race Track | $500 per card per week |
9223 | Bail & Bond Payments | $500 per card per week |
9700 | Miscellaneous / Financial Institution / Network Transaction | $500 per card per week |
9701 | Visa Credential Service (currently unused by Visa) | $500 per card per week |
9702 | Emergency Services (GCAS) (Visa use only) | $500 per card per week |
9721 | Financial Institution / Quasi-Cash / Money Movement (network-specific classification) | $500 per card per week |
9754 | Gambling - Horse Racing | $500 per card per week |
5960 | Direct Marketing Insurance Services | $500 per card per week |
5962 | Direct Marketing–Travel Related Arrangement Services | $500 per card per week |
5966 | Outbound Telemarketing Merchant | $500 per card per week |
5967 | Direct Marketing–Inbound Telemarketing Merchants | $500 per card per week |
7311 | Advertising Services | $30,000 per transaction. |
6011 | ATM withdrawal | $1000 per transaction. Maximum of five (5) ATM withdrawals in any rolling 24 hour period ($5,000 total). |
Still have some questions?
If you have any additional questions or need further assistance regarding merchant category limits, please feel free to contact our support team via email or through live chat. We're always happy to help.