MCC 4722: Travel Agencies and Tour Operators

Which businesses use MCC 4722?

Acquiring banks assign MCC 4722 to merchants whose primary line of business is travel agencies and tour operators. Common examples include:

• Travel agencies
• Tour operators
• Booking sites

Is MCC 4722 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 4722 affect processing fees?

MCC 4722 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.

Payment processing for MCC 4722 merchants

Niche Payments runs a dedicated hotel payment processing program for businesses classified under MCC 4722. Pre-authorizations, incidentals, and PMS-integrated payments.

• Pre-auth and incremental authorization for stays
• PMS and booking engine integrations
• Multi-currency acceptance for international guests

Frequently asked questions

What does MCC 4722 mean?

MCC 4722 is the merchant category code for Travel Agencies and Tour Operators. Card networks use it to classify transactions from businesses such as travel agencies, tour operators, and booking sites.

Is MCC 4722 high risk?

MCC 4722 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 4722?

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 4722 does not describe the primary line of business.