At Finom, we know how important it is for account owners to stay in control of business expenses. To make this easier, we’ve introduced a new feature that lets you manage card payments based on categories defined by MCC codes (Merchant Category Codes).
Every card payment is assigned an MCC code by the payment network (Visa), and this code determines the type of merchant and transaction category. Based on these categories, you can now decide which types of purchases are allowed for each company card or for specific team members.
This gives you the ability to set clear spending rules, while also making it simple to check in advance whether a transaction will be accepted or declined. Your team can use their cards confidently within the limits you’ve defined, while you maintain full oversight of company spending.
In the table below, you will find the detailed explanation of available categories for card payment and what MCC codes correspond to these categories
Advertising | Payments for advertising services, media placements, and promotions. | 7311 |
Air Travel | Airline tickets and onboard purchases during flights. | 3000-3350, 4415 |
Online Services & Subscriptions | Digital services, apps, cloud storage, data hosting, subscriptions. | 4816, 5262, 5734, 5815-5818, 5968, 7372, 7375, 7379, 7399 |
Auto & Fuel | Fuel stations, auto repair, toll roads, vignettes, parking and other car-related purchases. | 4784, 5013, 5172, 5271, 5511, 5521, 5531, 5532, 5533, 5541-5542, 5552, 5561, 5571, 5592, 5598-5599, 5935, 5983, 7523-7524, 7531, 7534-7535, 7538, 7542, 7549 |
Car rental | Charges from car rental companies. | 3351–3439, 3441, 7512-7513, 7519 |
Charity & Nonprofit | Donations to charitable and nonprofit organizations. | 8398, 8641, 8651, 8661, 8675, 8699, 8734, 8743 |
Construction & Supplies | Building materials and equipment. | 1520, 1711, 1731, 1740, 1750, 1761, 1771, 1799, 5021, 5039, 5044, 5046, 5051, 5065, 5072, 5074, 5085, 5099, 5111, 5169, 5198-5199, 5200, 5211, 5231, 5251, 5261, 5543, 7394 |
Dining & Food Delivery | Restaurants, cafés, bars, and food delivery services. | 5811-5814 |
Direct Marketing | Mail-order, telemarketing, and other direct-to-consumer sales. | 4761, 5964–5967, 5969 |
Education | Tuition, schools and educational services. | 8211, 8220, 8241, 8244, 8249, 8299 |
Electronics & Software | Purchases of electronics, hardware, and packaged software. | 5045, 5722, 5732, 5946 |
Entertainment | Movies, theaters, concerts, streaming, and amusement activities. | 5733, 5735, 5971, 7032, 7829, 7832-7833, 7841, 7911, 7922, 7929, 7932-7933, 7941, 7991-7994, 7996-7999 |
Government & Taxes | Government services, fines, fees, and tax payments. | 9211, 9222-9223, 9311-9314, 9399, 9402, 9405 |
Groceries | Supermarkets, grocery stores, bakeries and everyday food shopping. | 5300, 5411-5412, 5422, 5441, 5451, 5462, 5499 |
Insurance | Premiums and payments to insurance providers. | 5960, 6300, 6381, 6399 |
Health & Beauty | Pharmacies, medical services, cosmetics, and personal care. | 5047, 5122, 5292, 5912, 5975-5977, 7230, 7297-7298, 8011, 8021, 8031, 8041-8044, 8049, 8050, 8062, 8071, 8099 |
Hotels | Hotels, motels, resorts, and lodging services. | 3501-3831, 3833, 3835, 3839, 7011-7012, 7033 |
Online Services & Subscriptions | Digital services, apps, cloud storage, data hosting, subscriptions. | 4816, 5262, 5734, 5815-5818, 5968, 7372, 7375, 7379, 7399 |
Services | Professional, repair, personal, and business services. | 0742, 0763, 0780, 2741, 2791, 2842, 4214–4215, 4225, 5962–5963, 6513, 6532, 7210–7211, 7216–7217, 7221, 7251, 7261, 7273, 7277–7278, 7280, 7295, 7299, 7332–7333, 7338–7339, 7342, 7349, 7361, 7392–7393, 7395, 7622–7623, 7629, 7631, 7641, 7692, 7699, 8111, 8351, 8911, 8999, 9950 |
Retail & Shopping | Clothing, department stores, and general shopping, including shopping online | 5094, 5131, 5137, 5139, 5192-5193, 5309-5311, 5331, 5399, 5611-5661, 5681, 5691, 5697-5699, 5712-5715, 5718-5719, 5921, 5931-5933, 5937, 5940-5942, 5944-5945, 5947-5950, 5961, 5970, 5972-5974, 5978, 5992-5995, 5997-5999, 7296 |
Stationery | Office and stationery stores. | 5943 |
Transport | Public transport, trains, taxis and transport services | 4011, 4111-4112, 4119, 4121, 4131, 4411, 4457, 4468, 4511, 4582, 4789, 5551 |
Travel | Travel agencies, tour operators, and vacation packages. | 4722-4723 |
Utilities | Gas, electricity, water, telecom, and other utility bills. Some digital communication services, like Zoom, may also appear in this category. | 4812-4814, 4821, 4899-4900 |
ATM | Cash withdrawals and related ATM fees. | 6011 |
Financial Services | Money transfers, brokerage, and financial institutions. | 4829, 6010, 6012, 6050-6051, 6211, 6300, 6381, 6399, 6533, 6536-6540, 6611, 6760, 7276, 7321-7322, 8931, 9700-9702 |
Gambling | Casinos, betting, lottery, and online gaming for money. | 7800-7802, 7995, 9406, 9754 |
Other | Miscellaneous merchants not covered by other categories. | all other MCCs |