MCC 7997: Membership Clubs (Sports, Recreation, Athletic) and Country Clubs
MCC 7997 is the merchant category code for membership clubs (sports, recreation, athletic) and country clubs. Visa, Mastercard, Discover, and American Express assign it to businesses such as gyms, country clubs, and golf clubs.
- Code
- 7997
- Category group
- Business Services
- Risk rating
- Standard risk
Which businesses use MCC 7997?
Acquiring banks assign MCC 7997 to merchants whose primary line of business is membership clubs (sports, recreation, athletic) and country clubs. Common examples include:
- Gyms
- Country clubs
- Golf clubs
Is MCC 7997 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 7997 affect processing fees?
MCC 7997 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 7997 mean?
MCC 7997 is the merchant category code for Membership Clubs (Sports, Recreation, Athletic) and Country Clubs. Card networks use it to classify transactions from businesses such as gyms, country clubs, and golf clubs.
Is MCC 7997 high risk?
MCC 7997 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 7997?
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 7997 does not describe the primary line of business.