MCC 4121: Taxicabs and Limousines
MCC 4121 is the merchant category code for taxicabs and limousines. Visa, Mastercard, Discover, and American Express assign it to businesses such as taxi fleets, limo services, and black car operators.
- Code
- 4121
- Category group
- Transportation Services
- Risk rating
- Standard risk
Which businesses use MCC 4121?
Acquiring banks assign MCC 4121 to merchants whose primary line of business is taxicabs and limousines. Common examples include:
- Taxi fleets
- Limo services
- Black car operators
Is MCC 4121 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 4121 affect processing fees?
MCC 4121 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 4121 mean?
MCC 4121 is the merchant category code for Taxicabs and Limousines. Card networks use it to classify transactions from businesses such as taxi fleets, limo services, and black car operators.
Is MCC 4121 high risk?
MCC 4121 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 4121?
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 4121 does not describe the primary line of business.