MCC 8011: Doctors and Physicians
MCC 8011 is the merchant category code for doctors and physicians. Visa, Mastercard, Discover, and American Express assign it to businesses such as medical practices, physician groups, and urgent care.
- Code
- 8011
- Category group
- Professional Services and Membership Organizations
- Risk rating
- Standard risk
Which businesses use MCC 8011?
Acquiring banks assign MCC 8011 to merchants whose primary line of business is doctors and physicians. Common examples include:
- Medical practices
- Physician groups
- Urgent care
Is MCC 8011 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 8011 affect processing fees?
MCC 8011 determines which interchange category Visa and Mastercard apply to each transaction. Codes in the professional services and membership organizations range share interchange programs, so two merchants with the same card mix but different MCCs can pay different wholesale rates.
Payment processing for MCC 8011 merchants
Niche Payments runs a dedicated healthcare payment processing program for businesses classified under MCC 8011. 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 8011 mean?
MCC 8011 is the merchant category code for Doctors and Physicians. Card networks use it to classify transactions from businesses such as medical practices, physician groups, and urgent care.
Is MCC 8011 high risk?
MCC 8011 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 8011?
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 8011 does not describe the primary line of business.