Merchant category codes

MCC 7399: Business Services, Not Elsewhere Classified

MCC 7399 is the catch-all code for business services that do not fit anywhere else. It is legitimate, and it is also the code that gets picked when nobody took the time to find the right one.

Written by Robert Day, Founder and Managing Partner of weAudit.com, previously an executive at Fifth Third Processing Solutions, later Vantiv and Worldpay, now part of Global Payments, the world’s largest card processor. Published October 2026.

MCC 7399 at a glance

7399

Visa: Business Services, Not Elsewhere Classified
Mastercard: Business Services, Not Elsewhere Classified

Used for business services with no more specific code. Many service businesses that land here actually have one.

Seeing it on your own card statement?

It means the company you paid is classified as a general business service. It is common for subscriptions, online services and business-to-business charges.

What MCC 7399 covers

MCC 7399 covers business services that are not described by a more specific code. “Not elsewhere classified” is the network’s way of saying the code is a fallback.

Because it fits almost any service business, it is easy for a salesperson to choose it on an application. The more specific codes around it are often a better match.

Code	Name	How it differs
7399	Business Services, Not Elsewhere Classified	The fallback for services
7392	Management, Consulting and Public Relations	Consulting and advisory firms
7372	Computer Programming and Data Processing	Software and IT services
8999	Professional Services, Not Elsewhere Classified	Professional firms without a specific code

Why the code changes what a business pays

Interchange depends on the type of card and the type of merchant. A business sitting in a catch-all code is not necessarily overpaying, but it is the code most worth double-checking, because it is the one most often chosen for convenience rather than accuracy.

For businesses that take a lot of corporate and purchasing cards, the bigger lever is usually the data sent with each sale, not the code. Missing Level 2 and Level 3 data costs business-to-business sellers far more than most code errors.

A catch-all code is a sign that nobody looked closely at your account when it was opened. If that happened with the code, it is worth asking what else was set up on autopilot.

Signs MCC 7399 may be the wrong code

Your business has an obvious, specific code but is coded 7399
Most of your sales are to businesses, and your statement shows no Level 2 or Level 3 data
Your account was set up quickly by a reseller, with little conversation about what you sell
Your sales are being declined more often than you would expect for your customers

See the full merchant category code list and how to look up your own code, or read why setup matters more than the rate you were quoted.

Common questions

What is MCC 7399?

It is the merchant category code for business services not elsewhere classified: a fallback for service businesses that have no more specific code.

Is MCC 7399 a bad code to have?

No, if it is accurate. It is only a problem when a more specific code fits the business better, because the code affects how card networks and issuers treat your sales.

Why is my business coded 7399?

Often because it was the quickest choice on the application. If your business has a more specific code, such as consulting or software services, ask your processor to review it.

What does a 7399 charge on my card mean?

It means the company you paid is classified as a general business service. Subscriptions, online services and business-to-business charges often carry this code.

Send us a statement. We will check your code, and everything else.

Our first audit is free and takes about five minutes of your time. We check whether your account is coded and set up correctly, along with every fee on the statement, and if there is nothing to find, you will know that too.

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About this page: merchant category codes are defined by the ISO 18245 standard and published by the card networks, which occasionally add, retire or rename codes and do not always use identical names. Code names here follow Visa and Mastercard published lists, checked October 2026. Whether a code is right for a particular business depends on what it actually sells; your processor and the card networks make the final assignment.