MCC 4215: Courier Services (Air and Ground) and Freight Forwarders
MCC 4215 is the merchant category code for courier services (air and ground) and freight forwarders. Visa, Mastercard, Discover, and American Express assign it to businesses such as courier companies, freight forwarders, and last-mile delivery.
- Code
- 4215
- Category group
- Transportation Services
- Risk rating
- Standard risk
Which businesses use MCC 4215?
Acquiring banks assign MCC 4215 to merchants whose primary line of business is courier services (air and ground) and freight forwarders. Common examples include:
- Courier companies
- Freight forwarders
- Last-mile delivery
Is MCC 4215 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 4215 affect processing fees?
MCC 4215 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 4215 mean?
MCC 4215 is the merchant category code for Courier Services (Air and Ground) and Freight Forwarders. Card networks use it to classify transactions from businesses such as courier companies, freight forwarders, and last-mile delivery.
Is MCC 4215 high risk?
MCC 4215 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 4215?
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 4215 does not describe the primary line of business.