MCC 0742: Veterinary Services
MCC 0742 is the merchant category code for veterinary services. Visa, Mastercard, Discover, and American Express assign it to businesses such as animal hospitals, vet clinics, and mobile veterinarians.
- Code
- 0742
- Category group
- Agricultural Services
- Risk rating
- Standard risk
Which businesses use MCC 0742?
Acquiring banks assign MCC 0742 to merchants whose primary line of business is veterinary services. Common examples include:
- Animal hospitals
- Vet clinics
- Mobile veterinarians
Is MCC 0742 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 0742 affect processing fees?
MCC 0742 determines which interchange category Visa and Mastercard apply to each transaction. Codes in the agricultural services range share interchange programs, so two merchants with the same card mix but different MCCs can pay different wholesale rates.
Payment processing for MCC 0742 merchants
Niche Payments runs a dedicated healthcare payment processing program for businesses classified under MCC 0742. Patient payments that fit how your practice actually runs.
- HIPAA-aware card storage and patient payment plans
- HSA and FSA card acceptance at the front desk and online
- Text-to-pay and patient portal invoicing
Frequently asked questions
What does MCC 0742 mean?
MCC 0742 is the merchant category code for Veterinary Services. Card networks use it to classify transactions from businesses such as animal hospitals, vet clinics, and mobile veterinarians.
Is MCC 0742 high risk?
MCC 0742 is generally rated standard risk. Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
Can a business change its MCC from 0742?
A business can request a different MCC through its acquiring bank. The acquirer reviews what the business actually sells and reassigns the code only if 0742 does not describe the primary line of business.