MCC 4111: Local and Suburban Commuter Passenger Transportation
MCC 4111 is the merchant category code for local and suburban commuter passenger transportation. Visa, Mastercard, Discover, and American Express assign it to businesses such as transit agencies, ferries, and commuter rail.
- Code
- 4111
- Category group
- Transportation Services
- Risk rating
- Standard risk
Which businesses use MCC 4111?
Acquiring banks assign MCC 4111 to merchants whose primary line of business is local and suburban commuter passenger transportation. Common examples include:
- Transit agencies
- Ferries
- Commuter rail
Is MCC 4111 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 4111 affect processing fees?
MCC 4111 determines which interchange category Visa and Mastercard apply to each transaction. Codes in the transportation services range share interchange programs, so two merchants with the same card mix but different MCCs can pay different wholesale rates.
Frequently asked questions
What does MCC 4111 mean?
MCC 4111 is the merchant category code for Local and Suburban Commuter Passenger Transportation. Card networks use it to classify transactions from businesses such as transit agencies, ferries, and commuter rail.
Is MCC 4111 high risk?
MCC 4111 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 4111?
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 4111 does not describe the primary line of business.