MCC 7299: Miscellaneous Personal Services
MCC 7299 is the merchant category code for miscellaneous personal services. Visa, Mastercard, Discover, and American Express assign it to businesses such as personal services, concierge services, and wedding planners.
- Code
- 7299
- Category group
- Miscellaneous Stores
- Risk rating
- Elevated risk
Which businesses use MCC 7299?
Acquiring banks assign MCC 7299 to merchants whose primary line of business is miscellaneous personal services. Common examples include:
- Personal services
- Concierge services
- Wedding planners
Is MCC 7299 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 7299 affect processing fees?
MCC 7299 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 7299 mean?
MCC 7299 is the merchant category code for Miscellaneous Personal Services. Card networks use it to classify transactions from businesses such as personal services, concierge services, and wedding planners.
Is MCC 7299 high risk?
MCC 7299 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 7299?
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 7299 does not describe the primary line of business.