MCC 8099: Medical Services and Health Practitioners
MCC 8099 is the merchant category code for medical services and health practitioners. Visa, Mastercard, Discover, and American Express assign it to businesses such as telehealth, med spas, wellness clinics, and IV therapy.
- Code
- 8099
- Category group
- Professional Services and Membership Organizations
- Risk rating
- Elevated risk
Which businesses use MCC 8099?
Acquiring banks assign MCC 8099 to merchants whose primary line of business is medical services and health practitioners. Common examples include:
- Telehealth
- Med spas
- Wellness clinics
- IV therapy
Is MCC 8099 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 8099 affect processing fees?
MCC 8099 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 8099 merchants
Niche Payments runs a dedicated healthcare payment processing program for businesses classified under MCC 8099. 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 8099 mean?
MCC 8099 is the merchant category code for Medical Services and Health Practitioners. Card networks use it to classify transactions from businesses such as telehealth, med spas, wellness clinics, and IV therapy.
Is MCC 8099 high risk?
MCC 8099 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 8099?
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 8099 does not describe the primary line of business.