MCC 7311: Advertising Services
MCC 7311 is the merchant category code for advertising services. Visa, Mastercard, Discover, and American Express assign it to businesses such as ad agencies, media buyers, and marketing firms.
- Code
- 7311
- Category group
- Business Services
- Risk rating
- Standard risk
Which businesses use MCC 7311?
Acquiring banks assign MCC 7311 to merchants whose primary line of business is advertising services. Common examples include:
- Ad agencies
- Media buyers
- Marketing firms
Is MCC 7311 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 7311 affect processing fees?
MCC 7311 determines which interchange category Visa and Mastercard apply to each transaction. Codes in the business services 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 7311 mean?
MCC 7311 is the merchant category code for Advertising Services. Card networks use it to classify transactions from businesses such as ad agencies, media buyers, and marketing firms.
Is MCC 7311 high risk?
MCC 7311 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 7311?
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 7311 does not describe the primary line of business.