MCC 4511: Airlines and Air Carriers
MCC 4511 is the merchant category code for airlines and air carriers. Visa, Mastercard, Discover, and American Express assign it to businesses such as regional airlines, charter carriers, and air taxi operators.
- Code
- 4511
- Category group
- Transportation Services
- Risk rating
- Elevated risk
Which businesses use MCC 4511?
Acquiring banks assign MCC 4511 to merchants whose primary line of business is airlines and air carriers. Common examples include:
- Regional airlines
- Charter carriers
- Air taxi operators
Is MCC 4511 considered high risk?
Acquirers review this MCC more closely because of card-not-present volume, refund rates, or chargeback history. Expect extra documentation and possible volume caps.
How does MCC 4511 affect processing fees?
MCC 4511 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 4511 mean?
MCC 4511 is the merchant category code for Airlines and Air Carriers. Card networks use it to classify transactions from businesses such as regional airlines, charter carriers, and air taxi operators.
Is MCC 4511 high risk?
MCC 4511 is generally rated elevated risk. Acquirers review this MCC more closely because of card-not-present volume, refund rates, or chargeback history. Expect extra documentation and possible volume caps.
Can a business change its MCC from 4511?
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 4511 does not describe the primary line of business.