Overview of Low-Risk Industries Supported by Payyit

The following are the Merchant Category Codes (MCCs) and the respective industries that are categorized as low risk at Payyit. These industries are known for their stable revenue streams and lower chargeback rates, making them ideal for a variety of payment processing solutions.

Industries not mentioned below are classified as high-risk. Payyit supports high-risk industries through our Pro and Elite plans.

4121 Taxicabs and Limousines
4215 Courier Services – Air or Ground, Freight forwarders
4899 Cable and other pay television (previously Cable Services)
4900 Electric, Gas, Sanitary and Water Utilities
5013 Motor vehicle supplies and new parts
5045 Computers, Computer Peripheral Equipment, Software
5047 Medical, Dental Ophthalmic, Hospital Equipment and Supplies
5065 Electrical Parts and Equipment
5072 Hardware Equipment and Supplies
5074 Plumbing and Heating Equipment and Supplies
5099 Durable Goods, Not Elsewhere Classified
5111 Stationery, Office Supplies, Printing, and Writing Paper
5137 Men’s Women’s and Children’s Uniforms and Commercial Clothing
5139 Commercial Footwear
5172 Petroleum and Petroleum Products
5192 Books, Periodicals, and Newspapers
5193 Florists’ Supplies, Nursery Stock and Flowers
5199 Non-durable Goods, Not Elsewhere Classified
5200 Home Supply Warehouse Stores
5231 Glass, Paint, and Wallpaper Stores
5251 Hardware Stores
5261 Nurseries – Lawn and Garden Supply Store
5310 Discount Stores
5311 Department Stores
5331 Variety Stores
5399 Misc. General Merchandise
5441 Candy, Nut, and Confectionery Stores
5451 Dairy Products Stores
5462 Bakeries
5499 Misc. Food Stores – Convenience Stores and Specialty Markets
5511 Car and Truck Dealers (New and Used) Sales, Service, Repairs, Parts, and Leasing
5521 Automobile and Truck Dealers (Used Only
5532 Automotive Tire Stores
5533 Automotive Parts, Accessories Stores
5541 Service Stations ( with or without ancillary services)
5611 Men’s and Boy’s Clothing and Accessories Stores
5621 Women’s Ready-to-Wear Stores
5641 Children’s and Infant’s Wear Stores
5651 Family Clothing Stores
5655 Sports Apparel, Riding Apparel Stores
5661 Shoe Stores
5691 Men’s and Women’s Clothing Stores
5697 Tailors, Seamstress, Mending, and Alterations
5699 Miscellaneous Apparel and Accessory Shops
5722 Household Appliance Stores
5732 Electronic Sales
5733 Music Stores, Musical Instruments, Piano Sheet Music
5734 Computer Software Stores
5735 Record Shops
5812 Eating places and Restaurants
5813 Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques
5814 Fast Food Restaurants
5815 Digital Goods: Media, Books, Movies, Music
5817 Digital Goods: Applications (Excludes Games
5912 Drug Stores and Pharmacies
5921 Package Stores – Beer, Wine, and Liquor
5940 Bicycle Shops – Sales and Service
5941 Sporting Goods Stores
5942 Book Stores
5943 Stationery Stores, Office and School Supply Stores
5945 Hobby, Toy, and Game Shops
5946 Camera and Photographic Supply Stores
5947 Card Shops, Gift, Novelty, and Souvenir Shops
5977 Cosmetic Stores
5992 Florists
5994 News Dealers and Newsstands
5995 Pet Shops, Pet Foods, and Supplies Stores
6300 Insurance Sales, Underwriting, and Premiums
7011 Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)
7210 Laundry, Cleaning, and Garment Services
7211 Laundry – Family and Commercial
7216 Dry Cleaners
7217 Carpet and Upholstery Cleaning
7230 Barber and Beauty Shops
7276 Tax Preparation Service
7298 Health and Beauty Shops
7342 Exterminating and Disinfecting Services
7349 Cleaning and Maintenance, Janitorial Services
7372 Computer Programming, Integrated Systems Design and Data Processing Services
7375 Information Retrieval Services
7379 Computer Maintenance and Repair Services, Not Elsewhere Classified
7531 Automotive Body Repair Shops
7534 Tire Re-treading and Repair Shops
7535 Paint Shops – Automotive
7538 Automotive Service Shops
7542 Car Washes
7549 Towing Services
7622 Radio Repair Shops
7629 Electrical And Small Appliance Repair Shops
7699 Repair Shops and Related Services –Miscellaneous
7832 Motion Picture Theaters
7911 Dance Halls, Studios and Schools
7922 Theatrical Producers (Except Motion Pictures), Ticket Agencies
7932 Billiard and Pool Establishments
7933 Bowling Alleys
7993 Video Amusement Game Supplies
7994 Video Game Arcades/Establishments
7998 Aquariums, Sea-aquariums, Dolphinariums
7999 Recreation Services (Not Elsewhere Classified)
8011 Doctors and Physicians (Not Elsewhere Classified)
8021 Dentists and Orthodontists
8041 Chiropractors
8042 Optometrists and Ophthalmologists
8043 Opticians, Opticians Goods and Eyeglasses
8049 Podiatrists and Chiropodists
8050 Nursing and Personal Care Facilities
8099 Medical Services and Health Practitioners (Not Elsewhere Classified)
8351 Child Care Services
8398 Charitable and Social Service Organizations
8661 Religious Organizations
8931 Accounting, Auditing, and Bookkeeping Services
8999 Professional Services ( Not Elsewhere Defined)

Updated on: 08/05/2024