MCC 4814: Telecommunication Services
MCC 4814 is the merchant category code for telecommunication services. Visa, Mastercard, Discover, and American Express assign it to businesses such as phone carriers, prepaid calling, and VoIP providers.
- Code
- 4814
- Category group
- Utility Services
- Risk rating
- Elevated risk
Which businesses use MCC 4814?
Acquiring banks assign MCC 4814 to merchants whose primary line of business is telecommunication services. Common examples include:
- Phone carriers
- Prepaid calling
- VoIP providers
Is MCC 4814 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 4814 affect processing fees?
MCC 4814 determines which interchange category Visa and Mastercard apply to each transaction. Codes in the utility 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 4814 merchants
Niche Payments runs a dedicated high-volume payment processing program for businesses classified under MCC 4814. Interchange-plus pricing for merchants processing millions a month.
- Interchange-plus and Level 2 / Level 3 data rates
- Dedicated account manager and custom reserve terms
- Multi-location and multi-entity reporting in one dashboard
Frequently asked questions
What does MCC 4814 mean?
MCC 4814 is the merchant category code for Telecommunication Services. Card networks use it to classify transactions from businesses such as phone carriers, prepaid calling, and VoIP providers.
Is MCC 4814 high risk?
MCC 4814 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 4814?
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 4814 does not describe the primary line of business.