MCC and Merchant ID ALC Examples
See Designing Authorization Controls for an explanation of this page. Also see About Card Transactions.
- MCC — Merchant category code
- MID — Merchant ID
Also see Invalid configurations.
Examples 1–5
| Example 1 | Example 2 | Example 3 | Example 4 | Example 5 | |
|---|---|---|---|---|---|
| Transaction | MCC 7995 | MCC 5550 | MCC 5650 | MCC 5750 | MCC 5750 |
| MCC blocklist | MCC 7995 | MCC 7995 | MCC 7995 | MCC 7995 | MCC 7995 |
| Product-level MCC | any value | 5500–5600 ALLOW | 5500–5600 ALLOW | 5500–5600 DENY | 5500–5600 ALLOW |
| Online only (product) | any value | N | N | N | N |
| Account-level MCC | any value | — | — | 5750 DENY | 5700 ALLOW |
| Online only (account) | any value | — | — | N | N |
| Product-level MID | any value | — | — | — | — |
| Account-level MID | any value | — | — | — | — |
| Result | DENY | ALLOW | DENY | DENY | DENY |
| Reason | Program blocklist overrides all other controls | MCC 5550 falls inside the ALLOW range | MCC 5650 falls outside the ALLOW range | MCC 5750 is denied at the account level | MCC 5750 falls outside the ALLOW range |
Examples 6–10
| Example 6 | Example 7 | Example 8 | Example 9 | Example 10 | |
|---|---|---|---|---|---|
| Transaction | MCC 5560 | MCC 1111 | MCC 1112 | MCC 5800 MID 1234 | MCC 5800 MID 1234 |
| MCC blocklist | MCC 7995 | MCC 7995 | MCC 7995 | MCC 7995 | MCC 7995 |
| Product-level MCC | 5500–5600 ALLOW | 0000–0000 ALLOW | 0000–0000 ALLOW | any value | any value |
| Online only (product) | N | N | N | N | any value |
| Account-level MCC | 5700 ALLOW | 1111 ALLOW | 1111 ALLOW | any value | any value |
| Online only (account) | N | N | N | N | any value |
| Product-level MID | — | — | — | 1234 DENY | any value |
| Account-level MID | — | — | — | — | 1234 ALLOW |
| Result | ALLOW | ALLOW | DENY | DENY | ALLOW |
| Reason | MCC 5560 is included in the product-level control | 0000–0000 ALLOW = deny all, but 1111 is allowed at the account level | 0000–0000 ALLOW = deny all, and 1112 is not allowed at the account level | The product-level merchant ID overrides MCC controls | The account-level merchant ID overrides all other controls |
Examples 11–15
| Example 11 | Example 12 | Example 13 | Example 14 | Example 15 | |
|---|---|---|---|---|---|
| Transaction | MCC 5800 MID 1234 | MCC 5750 MID 1234 online | MCC 5550 MID 1234 not online | MCC 5750 MID 1234 online | MCC 5750 MID 1234 online |
| MCC blocklist | MCC 7995 | MCC 7995 | MCC 7995 | MCC 7995 | MCC 7995 |
| Product-level MCC | any value | 5500–5600 ALLOW | 5500–5600 ALLOW | 5500–5600 DENY | 5500–5600 DENY |
| Online only (product) | any value | Y | Y | N | N |
| Account-level MCC | any value | — | — | 5750 DENY | 5750 DENY |
| Online only (account) | any value | — | — | Y | Y |
| Product-level MID | any value | — | — | — | — |
| Account-level MID | 1234 DENY | — | — | — | 1234 ALLOW |
| Result | DENY | DENY | DENY | DENY | ALLOW |
| Reason | The account-level merchant ID overrides all other controls | MCC 5750 is outside the ALLOW range, and the control applies to online transactions. | MCC 5550 is allowed only for online transactions. | MCC 5750 is denied at the account level, and the control applies to online transactions. | MCC 5750 is denied at the account level, but the account-level merchant ID overrides it. |
Examples 16–20
| Example 16 | Example 17 | Example 18 | Example 19 | Example 20 | |
|---|---|---|---|---|---|
| Transaction | MCC 5750 MID 1234 online | MCC 5750 MID 1234 not online | MCC 5750 MID 1234 online | MCC 5750 MID 1234 not online | MCC 5750 MID 1234 not online |
| MCC blocklist | MCC 7995 | MCC 7995 | MCC 7995 | MCC 7995 | MCC 7995 |
| Product-level MCC | 5500–5600 DENY | 5500–5600 DENY | 5500–5600 DENY | 5500–5600 DENY | 5500–5600 ALLOW |
| Online only (product) | N | N | N | Y | Y |
| Account-level MCC | 5750 DENY | 5750 DENY | 5750 DENY | 5750 DENY | 5750 ALLOW |
| Online only (account) | N | Y | Y | Y | Y |
| Product-level MID | — | — | — | — | — |
| Account-level MID | — | — | — | — | — |
| Result | DENY | ALLOW | DENY | ALLOW | DENY |
| Reason | MCC 5750 is denied at the account level, and the control applies to all transactions. | MCC 5750 is denied at the account level, but only for online transactions. | MCC 5750 is denied at the account level, and the control applies to online transactions. | All of the existing controls apply only to online transactions. | MCC 5750 is allowed at an account level, but only for online transactions. |
Invalid configurations
Attempting to configure any of these MCC control combinations will return an error.
| Example 21 | Example 22 | Example 23 | Example 24 | Example 25 | |
|---|---|---|---|---|---|
| MCC blocklist | MCC 7995 MCC 7800–7802 | MCC 7995 MCC 7800–7802 | MCC 7995 MCC 7800–7802 | MCC 7995 MCC 7800–7802 | MCC 7995 MCC 7800–7802 |
| Product-level MCC | 5500–5600 ALLOW | 5500–5600 DENY | 5500–5600 ALLOW | 5500–5600 DENY | MCC 7500–7550 ALLOW |
| Account-level MCC | 5000 DENY | 5500 ALLOW | 5550–5700 ALLOW | 5550–5560 DENY | MCC 7990–8000 ALLOW |
| Reason | Product level is ALLOW, so the account level must also be ALLOW. | Product level is DENY and account level cannot contradict or overlap the product level. | Account-level range overlaps the product-level range. | Account-level range is inside the product-level range. | Both ranges overlap MCC blocklist |