When you create merchant controls for Divvy budgets, you select categories that will either be blocked or allowed when transactions are made. These categories each include related Merchant Category Codes (MCC) that describe the types of purchases that can or cannot be made.

If a merchant control is in place to block transactions that match a category, all transactions that fit the MCC descriptions assigned to that category will be blocked. If a merchant control is in place to only allow transactions that match a category, only transactions that fit the MCC description assigned to that category will be allowed.

For more information on VISA MCC, view the VISA Merchant Data Standards.


  • Merchant controls can only be applied on transactions with Divvy VISA cards.

  • This article is about Divvy merchant controls. If you are looking for information on merchant rules, view this article.

Category Name

MCC and Description


5964: Direct Marketing - Catalog Merchant
5965: Direct Marketing - Combination Catalog and Retail Merchant
5966: Direct Marketing - Outbound Telemarketing Merchant
5967: Direct Marketing - Inbound Teleservices Merchant
5968: Direct Marketing - Continuity/subscription Merchant
5969:Direct Marketing - Other Direct Marketers (Not Elsewhere Classified)

7311: Advertising Services


3000-3302: MCC specific to airline companies; view the VISA Merchant Data Standards for more information

4511: Airlines and Air Carriers (Not Elsewhere Classified)

4582: Airports, Flying Fields, and Airport Terminals

Alcohol and Bars

5813: Drinking Places - Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques

5921: Package Stores - Beer, Wine, and Liquor

Antiques, Pawn, Trinket and Thrift Shops

5932: Antique Shops - Sales, Repairs, and Restoration Services
5933: Pawn Shops
5935: Wrecking and Salvage Yards 5937: Antique Reproductions
5947: Gift, Card, Novelty and Souvenir Shops
5950: Glassware/Crystal Stores
5972: Stamp and Coin Stores
5978: Typewriter Stores - Sales, Rentals, and Service

Books and Newspapers

2741: Miscellaneous Publishing and Printing
5192: Books, Periodicals and Newspapers
5815: Digital Goods Media - Books, Movies, Digital Artwork/images, Music

5942: Book Stores
5994: News Dealers and Newsstands

Car Rental

3351-3441: MCC specific to car rental companies; view the VISA Merchant Data Standards for more information

7512 – Car Rental Agencies (Not Elsewhere Classified)

7513: Truck and Utility Trailer Rentals
7519: Motor Home and Recreational Vehicle Rentals


8398: Charitable Social Service Organizations

Cleaning Supplies

5169: Chemicals and Allied Products (Not Elsewhere Classified)


5137: Men's, Women's, and Children's Uniforms and Commercial Clothing

5139: Commercial Footwear

5311: Department Stores

5611: Men's and Boys' Clothing and Accessories Stores

5621: Women's Ready-To-Wear Stores

5631: Women's Accessory and Specialty Shops

5641: Children's and Infants' Wear Stores

5651: Family Clothing Stores

5655: Sports and Riding Apparel Stores

5661: Shoe Stores

5681: Furriers and Fur Shops

5691: Men's and Women's Clothing Stores

5697: Tailors, Seamstresses, Mending, and Alterations

5698: Wig and Toupee Stores

5699: Miscellaneous Apparel and Accessory Shops

5931: Used Merchandise and Secondhand Stores
7296: Clothing Rental - Costumes, Uniforms, Formal Wear

Clubs and Memberships

7032: Sporting and Recreational Camps

7941: Commercial Sports, Professional Sports Clubs, Athletic Fields, and Sports Promoters

7992: Public Golf Courses

7997: Membership Clubs (sports, Recreation, Athletic), Country Clubs, and Private Golf Courses

8641: Civic, Social, and Fraternal Associations

8675: Automobile Associations

8699: Membership Organizations (Not Elsewhere Classified)

Construction Contractors

1520: General Contractors - Residential and Commercial

1711: Heating, Plumbing, and Air Conditioning Contractors

1740: Masonry, Stonework, Tile Setting, Plastering and Insulation Contractors

1750: Carpentry Contractors

1761: Roofing, Siding, and Sheet Metal Work Contractors

1771: Concrete Work Contractors
5051: Metal Service Centers and Offices
5996: Swimming Pools - Sales and Service
6513: Real Estate Agents and Managers

Construction Materials

5039: Construction Materials (Not Elsewhere Classified)

5046: Commercial Equipment (Not Elsewhere Classified)

5065: Electrical Parts and Equipment

5072: Hardware, Equipment and Supplies

5074: Plumbing and Heating Equipment and Supplies

5085: Industrial Supplies (Not Elsewhere Classified)

5198: Paints, Varnishes and Supplies

5200: Home Supply Warehouse Stores

5211: Lumber and Building Materials Stores

5231: Glass, Paint, and Wallpaper Stores

5251: Hardware Stores


5271: Mobile Home Dealers
5511: Car and Truck Dealers (new and Used) Sales, Service, Repairs, Parts, and Leasing
5521: Car and Truck Dealers (used Only) Sales, Service, Repairs, Parts, and Leasing
5551: Boat Dealers
5561: Camper, Recreational and Utility Trailer Dealers
5571: Motorcycle Shops and Dealers
592: Motor Homes Dealers
5598: Snowmobile Dealers
5599: Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers (Not Elsewhere Classified)
6211: Security Brokers/Dealers


7829: Motion Picture and Video Tape Production and Distribution
8211: Elementary and Secondary Schools
8220: Colleges, Universities, Professional Schools, and Junior Colleges

8241: Correspondence Schools

8244: Business and Secretarial Schools 8249: Vocational and Trade Schools

8299: Schools and Educational Services (Not Elsewhere Classified)


5732: Electronics Stores
5997: Electric Razor Stores - Sales and Service
7622: Electronics Repair Shops
7993: Video Amusement Game Supplies


7832: Motion Picture Theaters
7841: DVD/Video Tape Rental Stores
7911: Dance Halls, Studios and Schools
7922: Ticket Agencies and Theatrical Producers (except Motion Pictures)
7929: Bands, Orchestras, and Miscellaneous Entertainers (Not Elsewhere Classified)
7932: Billiard and Pool Establishments
7933: Bowling Alleys
7994: Video Game Arcades/Establishments
7999: Recreation Services (Not Elsewhere Classified)

Financial Institutions

4829: Money Transfer
6010: Financial Institutions - Manual Cash Disbursements
6011: Financial Institutions - Automated Cash Disbursements
6012: Financial Institutions - Merchandise, Services, and Debt Repayment
6051: Non-financial Institutions - Foreign Currency, Non-fiat Currency (e.g., Cryptocurrency), Money Orders (Not Money)
6540: Non-financial Institutions - Stored Value Card Purchase/Load
7321: Consumer Credit Reporting Agencies


9222: Fines


5193: Florists Supplies, Nursery Stock and Flowers
5992: Florists

Freight, Moving and Delivery Services

1799: Special Trade Contractors (Not Elsewhere Classified)
4214: Motor Freight Carriers and Trucking - Local and Long Distance, Moving and Storage Companies, and Local Delivery
4215: Courier Services - Air and Ground, and Freight Forwarders

Fuel and Gas

5172: Petroleum and Petroleum Products
5541: Service Stations (with Or Without Ancillary Services)
5542: Automated Fuel Dispensers
5552: Electric Vehicle Charging
5983: Fuel Dealers - Fuel Oil, Wood, Coal, and Liquefied Petroleum


7800: Government Owned Lotteries (U.S. Region Only)
7801: Government Licensed Online Casinos (U.S. Region Only)
7802: Government Licensed Horse/Dog Racing (U.S. Region Only)
7995: Betting, Including Lottery Tickets, Casino Gaming Chips, Off-track Betting, Wagers At Race Tracks and Games of Chance To Win Prizes of Monetary Value

General Merchandise

5099: Durable Goods (Not Elsewhere Classified)
5131: Piece Goods, Notions, and Other Dry Goods
5199: Nondurable Goods (Not Elsewhere Classified)
5309: Duty Free Stores
5310: Discount Stores
5331: Variety Stores
5399: Miscellaneous General Merchandise
5818: Digital Goods - Large Digital Goods Merchant
5946: Camera and Photographic Supply Stores
5949: Sewing, Needlework, Fabric and Piece Goods Stores
5963: Door-to-door Sales
5970: Artist's Supply and Craft Shops
5999: Miscellaneous and Specialty Retail Shops

Government Services

9399: Government Services (Not Elsewhere Classified)
9402: Postal Services - Government Only
9405: U.S. Federal Government Agencies Or Departments
9406: Government-owned Lotteries (non-U.S. Region)

Home Furnishings

5712: Furniture, Home Furnishings, and Equipment Stores, Except Appliances
5713: Floor Covering Stores
5714: Drapery, Window Covering, and Upholstery Stores
5718: Fireplace, Fireplace Screens and Accessories Stores
5719: Miscellaneous Home Furnishing Specialty Stores
5722: Household Appliance Stores
7394: Equipment, Tool, Furniture, and Appliance Rental and Leasing
7641: Furniture - Reupholstery, Repair, and Refinishing
7692: Welding Services

Hotels and Lodging

3501-3832: MCC specific to hotel companies; view the VISA Merchant Data Standards for more information

7011: Lodging – Hotels, Motels, Resorts, Central Reservation Services (Not Elsewhere Classified)
7012: Timeshares

7033: Trailer Parks and Campgrounds


5960: Direct Marketing - Insurance Services
6300: Insurance Sales, Underwriting, and Premiums

Internet and Phone

1731: Electrical Contractors
4812: Telecommunication Equipment and Telephone Sales
4814: Telecommunication Services, Including Local and Long Distance Calls, Credit Card Calls, Calls Through Use of Magnetic-Stripe-Reading Telephones
4816: Computer Network/information Services
4821: Telegraph Services

Intra Company Purchases

9950: Intra-Company Purchases


5094: Precious Stones and Metals, Watches and Jewelry
5631: Women's Accessory and Specialty Shops
5944: Jewelry Stores, Watches, Clocks, and Silverware Stores
7631: Watch, Clock and Jewelry Repair


0763: Agricultural Co-operatives
0780: Landscaping and Horticultural Services
5261: Nurseries and Lawn and Garden Supply Stores

Legal Services

8111: Legal Services and Attorneys
9211: Court Costs, Including Alimony and Child Support
9223: Bail and Bond Payments

Mechanics and Auto Supplies

5013: Motor Vehicle Supplies and New Parts

5531: Automobile Supply Stores or Home Supply Stores
5532: Automotive Tire Stores
5533: Automotive Parts and Accessories Stores
7531: Automotive Body Repair Shops
7534: Tire Retreading and Repair Shops
7535: Automotive Paint Shops
7538: Automotive Service Shops (Non-Dealer)
7542: Car Washes


4119: Ambulance Services
5047: Medical, Dental, Ophthalmic and Hospital Equipment and Supplies
5122: Drugs, Drug Proprietaries, and Druggist Sundries
5912: Drug Stores and Pharmacies
5975: Hearing Aids - Sales, Service, and Supply
5976: Orthopedic Goods - Prosthetic Devices
5977: Cosmetic Stores
5993: Cigar Stores and Stands
7298: Health and Beauty Spas
8011: Doctors and Physicians (Not Elsewhere Classified)
8021: Dentists and Orthodontists
8031: Osteopaths
8041: Chiropractors
8042: Optometrists and Ophthalmologists
8043: Opticians, Optical Goods, and Eyeglasses
8049: Podiatrists and Chiropodists
8050: Nursing and Personal Care Facilities
8062: Hospitals
8071: Medical and Dental Laboratories
8099: Medical Services and Health Practitioners (Not Elsewhere Classified)
8734: Testing Laboratories (Non-Medical Testing)
9702: Emergency Services (GCAS)

Music and Instruments

5733: Music Stores - Musical Instruments, Pianos, and Sheet Music
5735: Record Stores

Office Supplies

5021: Office and Commercial Furniture
5044: Photographic, Photocopy, Microfilm Equipment and Supplies
5111: Stationery, Office Supplies, Printing and Writing Paper
5943: Stationery Stores, Office and School Supply Stores


7523: Parking Lots, Parking Meters and Garages


0742: Veterinary Services
5995: Pet Shops, Pet Foods and Supplies Stores

Political Organizations

8651: Political Organizations

Professional Services

1799: Special Trade Contractors (Not Elsewhere Classified)

2791: Typesetting, Plate Making and Related Services
2842: Specialty Cleaning, Polishing and Sanitation Preparations
7210: Laundry, Cleaning, and Garment Services
7211: Laundries - Family and Commercial
7216: Dry Cleaners
7217: Carpet and Upholstery Cleaning
7221: Photographic Studios
7230: Beauty and Barber Shops
7251: Shoe Repair Shops, Shoe Shine Parlors, and Hat Cleaning Shops
7261: Funeral Services and Crematories
7277: Counseling Services - Debt, Marriage, and Personal
7278: Buying and Shopping Services and Clubs
7297: Massage Parlors
7299: Miscellaneous Personal Services (Not Elsewhere Classified)
7333: Commercial Photography, Art, and Graphics
7338:Quick Copy, Reproduction, and Blueprinting Services
7339: Stenographic and Secretarial Support
7342: Exterminating and Disinfecting Services

7349: Cleaning, Maintenance, and Janitorial Services
7361: Employment Agencies and Temporary Help Services
7375: Information Retrieval Services
7379: Computer Maintenance, Repair and Services (Not Elsewhere Classified)
7392: Management, Consulting, and Public Relations Services
7393: Detective Agencies, Protective Services, and Security Services, Including Armored Cars, and Guard Dogs
7395: Photofinishing Laboratories and Photo Developing
7399: Business Services (Not Elsewhere Classified)
7549: Towing Services
7623: Air Conditioning and Refrigeration Repair Shops
7629: Electrical and Small Appliance Repair Shops
7699: Miscellaneous Repair Shops and Related Services
8351: Child Care Services
8911: Architectural, Engineering, and Surveying Services

8999: Professional Services (Not Elsewhere Classified)

Religious Organizations

5973: Religious Goods Stores
8661: Religious Organizations


5462: Bakeries
5811: Caterers
5812: Eating Places and Restaurants
5814: Fast Food Restaurants


5045: Computers and Computer Peripheral Equipment and Software
5734: Computer Software Stores
5816: Digital Goods - Games
5817: Digital Goods - Applications (excludes Games)
7273: Dating Services
7372: Computer Programming, Data Processing, and Integrated Systems Design Services

Sporting Good Stores

5940: Bicycle Shops - Sales and Service
5941: Sporting Goods Stores
5945: Hobby, Toy, and Game Shops
5998: Tent and Awning Shops


4225: Public Warehousing and Storage - Farm Products, Refrigerated Goods, Household Goods, and Storage

Streaming Services and Cable

4899: Cable, Satellite and Other Pay Television/Radio/Streaming Services

Supermarkets and Grocery Stores

5262: Marketplaces
5300: Wholesale Clubs
5411: Grocery Stores and Supermarkets
5422: Freezer and Locker Meat Provisioners
5441: Candy, Nut, and Confectionery Stores
5451: Dairy Products Stores
5499: Miscellaneous Food Stores - Convenience Stores and Specialty Markets

Taxes & Accounting

7276: Tax Preparation Services
8931: Accounting, Auditing, and Bookkeeping Services
9311: Tax Payments

Taxi/Ride Share

4121: Taxicabs and Limousines

Tours, Museums, Amusement and Travel Agencies

4722: Travel Agencies and Tour Operators
4723: Package Tour Operators - Germany Only
5971: Art Dealers and Galleries
7991: Tourist Attractions and Exhibits
7996: Amusement Parks, Circuses, Carnivals, and Fortune Tellers
7998: Aquariums, Seaquariums, Dolphinariums, and Zoos

Transportation Services

4011: Railroads
4111: Local and Suburban Commuter Passenger Transportation, Including Ferries
4112: Passenger Railways
4131: Bus Lines
4468: Marinas, Marine Service, and Supplies

4784: Tolls and Bridge Fees
4789: Transportation Services (Not Elsewhere Classified)

Travel Misc.

4411: Steamship and Cruise Lines
4457: Boat Rentals and Leasing
5948: Luggage and Leather Goods Stores
5962: Direct Marketing - Travel-related Arrangement Services
7012: Timeshares
7033: Trailer Parks and Campgrounds


4900: Utilities - Electric, Gas, Water, and Sanitary

If you have additional questions or need help with using Divvy, please view our other Help Center articles or contact the Divvy Support team.

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