MCC 7538: Automotive Service Shops (Non-Dealer)
MCC 7538 is the merchant category code for automotive service shops (non-dealer). Visa, Mastercard, Discover, and American Express assign it to businesses such as auto repair shops, tire shops, and oil change centers.
- Code
- 7538
- Category group
- Business Services
- Risk rating
- Standard risk
Which businesses use MCC 7538?
Acquiring banks assign MCC 7538 to merchants whose primary line of business is automotive service shops (non-dealer). Common examples include:
- Auto repair shops
- Tire shops
- Oil change centers
Is MCC 7538 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 7538 affect processing fees?
MCC 7538 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 7538 mean?
MCC 7538 is the merchant category code for Automotive Service Shops (Non-Dealer). Card networks use it to classify transactions from businesses such as auto repair shops, tire shops, and oil change centers.
Is MCC 7538 high risk?
MCC 7538 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 7538?
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 7538 does not describe the primary line of business.