MCC 7298: Health and Beauty Spas
MCC 7298 is the merchant category code for health and beauty spas. Visa, Mastercard, Discover, and American Express assign it to businesses such as day spas, med spas, and massage studios.
- Code
- 7298
- Category group
- Miscellaneous Stores
- Risk rating
- Standard risk
Which businesses use MCC 7298?
Acquiring banks assign MCC 7298 to merchants whose primary line of business is health and beauty spas. Common examples include:
- Day spas
- Med spas
- Massage studios
Is MCC 7298 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 7298 affect processing fees?
MCC 7298 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 7298 merchants
Niche Payments runs a dedicated healthcare payment processing program for businesses classified under MCC 7298. Patient payments that fit how your practice actually runs.
- HIPAA-aware card storage and patient payment plans
- HSA and FSA card acceptance at the front desk and online
- Text-to-pay and patient portal invoicing
Frequently asked questions
What does MCC 7298 mean?
MCC 7298 is the merchant category code for Health and Beauty Spas. Card networks use it to classify transactions from businesses such as day spas, med spas, and massage studios.
Is MCC 7298 high risk?
MCC 7298 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 7298?
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 7298 does not describe the primary line of business.