MCC 7011: Lodging (Hotels, Motels, and Resorts)
MCC 7011 is the merchant category code for lodging (hotels, motels, and resorts). Visa, Mastercard, Discover, and American Express assign it to businesses such as hotels, motels, resorts, and inns.
- Code
- 7011
- Category group
- Miscellaneous Stores
- Risk rating
- Standard risk
Which businesses use MCC 7011?
Acquiring banks assign MCC 7011 to merchants whose primary line of business is lodging (hotels, motels, and resorts). Common examples include:
- Hotels
- Motels
- Resorts
- Inns
Is MCC 7011 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 7011 affect processing fees?
MCC 7011 determines which interchange category Visa and Mastercard apply to each transaction. Codes in the miscellaneous stores range share interchange programs, so two merchants with the same card mix but different MCCs can pay different wholesale rates.
Payment processing for MCC 7011 merchants
Niche Payments runs a dedicated hotel payment processing program for businesses classified under MCC 7011. 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 7011 mean?
MCC 7011 is the merchant category code for Lodging (Hotels, Motels, and Resorts). Card networks use it to classify transactions from businesses such as hotels, motels, resorts, and inns.
Is MCC 7011 high risk?
MCC 7011 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 7011?
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 7011 does not describe the primary line of business.