MCC 8299: Schools and Educational Services
MCC 8299 is the merchant category code for schools and educational services. Visa, Mastercard, Discover, and American Express assign it to businesses such as online courses, tutoring, and coaching programs.
- Code
- 8299
- Category group
- Professional Services and Membership Organizations
- Risk rating
- Elevated risk
Which businesses use MCC 8299?
Acquiring banks assign MCC 8299 to merchants whose primary line of business is schools and educational services. Common examples include:
- Online courses
- Tutoring
- Coaching programs
Is MCC 8299 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 8299 affect processing fees?
MCC 8299 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.
Frequently asked questions
What does MCC 8299 mean?
MCC 8299 is the merchant category code for Schools and Educational Services. Card networks use it to classify transactions from businesses such as online courses, tutoring, and coaching programs.
Is MCC 8299 high risk?
MCC 8299 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 8299?
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 8299 does not describe the primary line of business.