MCC 7221: Photographic Studios
MCC 7221 is the merchant category code for photographic studios. Visa, Mastercard, Discover, and American Express assign it to businesses such as portrait studios, and wedding photographers.
- Code
- 7221
- Category group
- Miscellaneous Stores
- Risk rating
- Standard risk
Which businesses use MCC 7221?
Acquiring banks assign MCC 7221 to merchants whose primary line of business is photographic studios. Common examples include:
- Portrait studios
- Wedding photographers
Is MCC 7221 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 7221 affect processing fees?
MCC 7221 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.
Frequently asked questions
What does MCC 7221 mean?
MCC 7221 is the merchant category code for Photographic Studios. Card networks use it to classify transactions from businesses such as portrait studios, and wedding photographers.
Is MCC 7221 high risk?
MCC 7221 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 7221?
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 7221 does not describe the primary line of business.