MCC 8999: Professional Services
MCC 8999 is the merchant category code for professional services. Visa, Mastercard, Discover, and American Express assign it to businesses such as professional services, freelancers, and agencies.
- Code
- 8999
- Category group
- Professional Services and Membership Organizations
- Risk rating
- Standard risk
Which businesses use MCC 8999?
Acquiring banks assign MCC 8999 to merchants whose primary line of business is professional services. Common examples include:
- Professional services
- Freelancers
- Agencies
Is MCC 8999 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 8999 affect processing fees?
MCC 8999 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 8999 mean?
MCC 8999 is the merchant category code for Professional Services. Card networks use it to classify transactions from businesses such as professional services, freelancers, and agencies.
Is MCC 8999 high risk?
MCC 8999 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 8999?
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 8999 does not describe the primary line of business.