{"openapi":"3.1.0","info":{"title":"Merchant Category Codes API","version":"1.0.0","description":"ISO 18245 Merchant Category Codes (MCC) as an API — the 981 four-digit codes that Visa, Mastercard and other card networks use to classify a merchant's line of business. Look up any code (e.g. 5812 → Eating places and Restaurants, 5411 → Grocery Stores/Supermarkets, 3000 → United Airlines), search by description (e.g. \"hotel\", \"airline\", \"pharmacy\"), filter by IRS-reportable status, or list them all. Each record carries the network/edited description, USDA and IRS descriptions and whether the category is IRS 1099-reportable. Ideal for payments, fintech, expense management, fraud analysis and transaction enrichment.","contact":{"name":"PremiumApi","url":"https://www.oanor.com/by/premiumapi"}},"servers":[{"url":"https://api.oanor.com/mcc-api","description":"oanor gateway"}],"tags":[{"name":"MCC"},{"name":"Meta"}],"components":{"securitySchemes":{"oanorKey":{"type":"apiKey","in":"header","name":"x-oanor-key","description":"Get your key at https://www.oanor.com/developer/keys"}}},"security":[{"oanorKey":[]}],"paths":{"/v1/code":{"get":{"operationId":"get_v1_code","tags":["MCC"],"summary":"A single merchant category code","description":"","parameters":[{"name":"mcc","in":"query","required":true,"description":"4-digit MCC, e.g. 5812","schema":{"type":"string"},"example":"5812"}],"security":[{"oanorKey":[]}],"responses":{"200":{"description":"OK","content":{"application/json":{"example":{"data":{"mcc":"5812","description":"Eating places and Restaurants","irs_reportable":false,"irs_description":"Eating Places, Restaurants","usda_description":"Eating places and Restaurants","combined_description":"Eating places and Restaurants"},"meta":{"timestamp":"2026-05-31T05:48:03.301Z","request_id":"1f50b00a-2457-4a82-ae03-641f0747e34e"},"status":"ok","message":"MCC retrieved","success":true}}}},"401":{"description":"Missing or invalid x-oanor-key header"},"402":{"description":"Active subscription required"},"429":{"description":"Rate-limit or monthly quota reached"},"502":{"description":"Upstream did not respond"}}}},"/v1/list":{"get":{"operationId":"get_v1_list","tags":["MCC"],"summary":"All MCCs (paginated)","description":"","parameters":[{"name":"limit","in":"query","required":false,"description":"Max results (1-200, default 50)","schema":{"type":"string"},"example":"50"},{"name":"offset","in":"query","required":false,"description":"Pagination offset","schema":{"type":"string"},"example":"0"}],"security":[{"oanorKey":[]}],"responses":{"200":{"description":"OK","content":{"application/json":{"example":{"data":{"count":50,"limit":50,"total":981,"offset":0,"results":[{"mcc":"0742","description":"Veterinary Services","irs_reportable":true,"irs_description":"Veterinary Services","usda_description":"Veterinary Services","combined_description":"Veterinary Services"},{"mcc":"0763","description":"Agricultural Co-operatives","irs_reportable":true,"irs_description":"Agricultural Cooperative","usda_description":"Agricultural Co-operatives","combined_description":"Agricultural Co-operatives"},{"mcc":"0780","description":"Horticultural Services, Landscaping Services","irs_reportable":true,"irs_description":"Landscaping Services","usda_description":"Horticultural Services","combined_description":"Horticultural Services, Landscaping Services"},{"mcc":"1520","description":"General Contractors-Residential and Commercial","irs_reportable":true,"irs_description":"General Contractors","usda_description":"General Contractors-Residential and Commercial","combined_description":"General Contractors-Residential and Commercial"},{"mcc":"1711","description":"Air Conditioning Contractors – Sales and Installation, Heating Contractors – Sales, Service, Installation","irs_reportable":true,"irs_description":"Heating, Plumbing, A/C","usda_description":"Air Conditioning Contractors – Sales and Installation","combined_description":"Air Conditioning Contractors – Sales and Installation, Heating Contractors – Sales, Service, Installation"},{"mcc":"1731","description":"Electrical Contractors","irs_reportable":true,"irs_description":"Electrical Contractors","usda_description":"Electrical Contractors","combined_description":"Electrical Contractors"},{"mcc":"1740","description":"Insulation – Contractors, Masonry, Stonework Contractors, Plastering Contractors, Stonework and Masonry Contractors, Tile Settings Contractors","irs_reportable":true,"irs_description":"Masonry, Stonework, and Plaster","usda_description":"Insulation – Contractors","combined_description":"Insulation – Contractors, Masonry, Stonework Contractors, Plastering Contractors, Stonework and Masonry Contractors, Tile Settings Contractors"},{"mcc":"1750","description":"Carpentry Contractors","irs_reportable":true,"irs_description":"Carpentry Contractors","usda_description":"Carpentry Contractors","combined_description":"Carpentry Contractors"},{"mcc":"1761","description":"Roofing – Contractors, Sheet Metal Work – Contractors, Siding – Contractors","irs_reportable":true,"irs_description":"Roofing/Siding, Sheet Metal","usda_description":"Roofing - Contractors","combined_description":"Roofing – Contractors, Sheet Metal Work – Contractors, Siding – Contractors"},{"mcc":"1771","description":"Contractors – Concrete Work","irs_reportable":true,"irs_description":"Concrete Work Contractors","usda_description":"Contractors – Concrete Work","combined_description":"Contractors – Concrete Work"},{"mcc":"1799","description":"Contractors – Special Trade, Not Elsewhere Classified","irs_reportable":true,"irs_description":"Special Trade Contractors","usda_description":"Contractors – Special Trade, Not Elsewhere Classified","combined_description":"Contractors – Special Trade, Not Elsewhere Classified"},{"mcc":"2741","description":"Miscellaneous Publishing and Printing","irs_reportable":true,"irs_description":"Miscellaneous Publishing and Printing","usda_description":"Miscellaneous Publishing and Printing","combined_description":"Miscellaneous Publishing and Printing"},{"mcc":"2791","description":"Typesetting, Plate Making, & Related Services","irs_reportable":true,"irs_description":"Typesetting, Plate Making, and Related Services","usda_description":"Typesetting, Plate Making, & Related Services","combined_description":"Typesetting, Plate Making, & Related Services"},{"mcc":"2842","description":"Specialty Cleaning, Polishing, and Sanitation Preparations","irs_reportable":true,"irs_description":"Specialty Cleaning","usda_description":"Specialty Cleaning, Polishing, and Sanitation Preparations","combined_description":"Specialty Cleaning, Polishing, and Sanitation Preparations"},{"mcc":"3000","description":"UNITED AIRLINES","irs_reportable":true,"irs_description":"Airlines","usda_description":"UNITED AIRLINES","combined_description":"UNITED AIRLINES"},{"mcc":"3001","description":"AMERICAN AIRLINES","irs_reportable":true,"irs_description":"Airlines","usda_description":"AMERICAN AIRLINES","combined_description":"AMERICAN AIRLINES"},{"mcc":"3002","description":"PAN AMERICAN","irs_reportable":true,"irs_description":"Airlines","usda_description":"PAN AMERICAN","combined_description":"PAN AMERICAN"},{"mcc":"3003","description":"Airlines","irs_reportable":true,"irs_description":"Airlines","combined_description":"Airlines"},{"mcc":"3004","description":"TRANS WORLD AIRLINES","irs_reportable":true,"irs_description":"Airlines","usda_description":"TRANS WORLD AIRLINES","combined_description":"TRANS WORLD AIRLINES"},{"mcc":"3005","description":"BRITISH AIRWAYS","irs_reportable":true,"irs_description":"Airlines","usda_description":"BRITISH AIRWAYS","combined_description":"BRITISH AIRWAYS"},{"mcc":"3006","description":"JAPAN AIRLINES","irs_reportable":true,"irs_description":"Airlines","usda_description":"JAPAN AIRLINES","combined_description":"JAPAN AIRLINES"},{"mcc":"3007","description":"AIR FRANCE","irs_reportable":true,"irs_description":"Airlines","usda_description":"AIR FRANCE","combined_description":"AIR FRANCE"},{"mcc":"3008","description":"LUFTHANSA","irs_reportable":true,"irs_description":"Airlines","usda_description":"LUFTHANSA","combined_description":"LUFTHANSA"},{"mcc":"3009","description":"AIR CANADA","irs_reportable":true,"irs_description":"Airlines","usda_description":"AIR CANADA","combined_description":"AIR CANADA"},{"mcc":"3010","description":"KLM (ROYAL DUTCH AIRLINES)","irs_reportable":true,"irs_description":"Airlines","usda_description":"KLM (ROYAL DUTCH AIRLINES)","combined_description":"KLM (ROYAL DUTCH AIRLINES)"},{"mcc":"3011","description":"AEORFLOT","irs_reportable":true,"irs_description":"Airlines","usda_description":"AEORFLOT","combined_description":"AEORFLOT"},{"mcc":"3012","description":"QANTAS","irs_reportable":true,"irs_description":"Airlines","usda_description":"QANTAS","combined_description":"QANTAS"},{"mcc":"3013","description":"ALITALIA","irs_reportable":true,"irs_description":"Airlines","usda_description":"ALITALIA","combined_description":"ALITALIA"},{"mcc":"3014","description":"SAUDIA ARABIAN AIRLINES","irs_reportable":true,"irs_description":"Airlines","usda_description":"SAUDIA ARABIAN AIRLINES","combined_description":"SAUDIA ARABIAN AIRLINES"},{"mcc":"3015","description":"SWISSAIR","irs_reportable":true,"irs_description":"Airlines","usda_description":"SWISSAIR","combined_description":"SWISSAIR"},{"mcc":"3016","description":"SAS","irs_reportable":true,"irs_description":"Airlines","usda_description":"SAS","combined_description":"SAS"},{"mcc":"3017","description":"SOUTH AFRICAN AIRWAYS","irs_reportable":true,"irs_description":"Airlines","usda_description":"SOUTH AFRICAN AIRWAYS","combined_description":"SOUTH AFRICAN AIRWAYS"},{"mcc":"3018","description":"VARIG (BRAZIL)","irs_reportable":true,"irs_description":"Airlines","usda_description":"VARIG (BRAZIL)","combined_description":"VARIG (BRAZIL)"},{"mcc":"3019","description":"Airlines","irs_reportable":true,"irs_description":"Airlines","combined_description":"Airlines"},{"mcc":"3020","description":"AIR-INDIA","irs_reportable":true,"irs_description":"Airlines","usda_description":"AIR-INDIA","combined_description":"AIR-INDIA"},{"mcc":"3021","description":"AIR ALGERIE","irs_reportable":true,"irs_description":"Airlines","usda_description":"AIR ALGERIE","combined_description":"AIR ALGERIE"},{"mcc":"3022","description":"PHILIPPINE AIRLINES","irs_reportable":true,"irs_description":"Airlines","usda_description":"PHILIPPINE AIRLINES","combined_description":"PHILIPPINE AIRLINES"},{"mcc":"3023","description":"MEXICANA","irs_reportable":true,"irs_description":"Airlines","usda_description":"MEXICANA","combined_description":"MEXICANA"},{"mcc":"3024","description":"PAKISTAN INTERNATIONAL","irs_reportable":true,"irs_description":"Airlines","usda_description":"PAKISTAN INTERNATIONAL","combined_description":"PAKISTAN INTERNATIONAL"},{"mcc":"3025","description":"AIR NEW ZEALAND","irs_reportable":true,"irs_description":"Airlines","usda_description":"AIR NEW ZEALAND","combined_description":"AIR NEW ZEALAND"},{"mcc":"3026","description":"Airlines","irs_reportable":true,"irs_description":"Airlines","combined_description":"Airlines"},{"mcc":"3027","description":"UTA/INTERAIR","irs_reportable":true,"irs_description":"Airlines","usda_description":"UTA/INTERAIR","combined_description":"UTA/INTERAIR"},{"mcc":"3028","description":"AIR MALTA","irs_reportable":true,"irs_description":"Airlines","usda_description":"AIR MALTA","combined_description":"AIR MALTA"},{"mcc":"3029","description":"SABENA","irs_reportable":true,"irs_description":"Airlines","usda_description":"SABENA","combined_description":"SABENA"},{"mcc":"3030","description":"AEROLINEAS ARGENTINAS","irs_reportable":true,"irs_description":"Airlines","usda_description":"AEROLINEAS ARGENTINAS","combined_description":"AEROLINEAS ARGENTINAS"},{"mcc":"3031","description":"OLYMPIC AIRWAYS","irs_reportable":true,"irs_description":"Airlines","usda_description":"OLYMPIC AIRWAYS","combined_description":"OLYMPIC AIRWAYS"},{"mcc":"3032","description":"EL AL","irs_reportable":true,"irs_description":"Airlines","usda_description":"EL AL","combined_description":"EL AL"},{"mcc":"3033","description":"ANSETT AIRLINES","irs_reportable":true,"irs_description":"Airlines","usda_description":"ANSETT AIRLINES","combined_description":"ANSETT AIRLINES"},{"mcc":"3034","description":"AUSTRAINLIAN AIRLINES","irs_reportable":true,"irs_description":"Airlines","usda_description":"AUSTRAINLIAN AIRLINES","combined_description":"AUSTRAINLIAN AIRLINES"},{"mcc":"3035","description":"TAP (PORTUGAL)","irs_reportable":true,"irs_description":"Airlines","usda_description":"TAP (PORTUGAL)","combined_description":"TAP (PORTUGAL)"}]},"meta":{"timestamp":"2026-05-31T05:48:03.375Z","request_id":"b18ebb57-595d-458a-8c04-bdf77e2b1f1d"},"status":"ok","message":"MCCs listed","success":true}}}},"401":{"description":"Missing or invalid x-oanor-key header"},"402":{"description":"Active subscription required"},"429":{"description":"Rate-limit or monthly quota reached"},"502":{"description":"Upstream did not respond"}}}},"/v1/search":{"get":{"operationId":"get_v1_search","tags":["MCC"],"summary":"Search MCCs by description","description":"","parameters":[{"name":"q","in":"query","required":true,"description":"Keyword, e.g. restaurant","schema":{"type":"string"},"example":"restaurant"},{"name":"irs_reportable","in":"query","required":false,"description":"true/false to filter by IRS-reportable","schema":{"type":"string"}},{"name":"limit","in":"query","required":false,"description":"Results per page (1-100, default 20)","schema":{"type":"string"},"example":"20"},{"name":"offset","in":"query","required":false,"description":"Pagination offset","schema":{"type":"string"},"example":"0"}],"security":[{"oanorKey":[]}],"responses":{"200":{"description":"OK","content":{"application/json":{"example":{"data":{"count":2,"limit":20,"query":"restaurant","total":2,"offset":0,"results":[{"mcc":"5812","description":"Eating places and Restaurants","irs_reportable":false,"irs_description":"Eating Places, Restaurants","usda_description":"Eating places and Restaurants","combined_description":"Eating places and Restaurants"},{"mcc":"5814","description":"Fast Food Restaurants","irs_reportable":false,"irs_description":"Fast Food Restaurants","usda_description":"Fast Food Restaurants","combined_description":"Fast Food Restaurants"}]},"meta":{"timestamp":"2026-05-31T05:48:03.450Z","request_id":"69d4617f-756d-4331-8b31-343e3eb73c2d"},"status":"ok","message":"MCCs listed","success":true}}}},"401":{"description":"Missing or invalid x-oanor-key header"},"402":{"description":"Active subscription required"},"429":{"description":"Rate-limit or monthly quota reached"},"502":{"description":"Upstream did not respond"}}}},"/v1/meta":{"get":{"operationId":"get_v1_meta","tags":["Meta"],"summary":"Totals & standard","description":"","parameters":[],"security":[{"oanorKey":[]}],"responses":{"200":{"description":"OK","content":{"application/json":{"example":{"data":{"note":"MCCs are 4-digit codes assigned by card networks (Visa/Mastercard) to classify a merchant's business type.","total":981,"fields":["mcc","description","combined_description","usda_description","irs_description","irs_reportable"],"source":"Merchant Category Codes (greggles/mcc-codes, ISO 18245)","standard":"ISO 18245","irs_reportable":810},"meta":{"timestamp":"2026-05-31T05:48:03.525Z","request_id":"80bbcc1c-2adb-49fa-b414-54c3ea9ec2ee"},"status":"ok","message":"Meta retrieved","success":true}}}},"401":{"description":"Missing or invalid x-oanor-key header"},"402":{"description":"Active subscription required"},"429":{"description":"Rate-limit or monthly quota reached"},"502":{"description":"Upstream did not respond"}}}}},"x-oanor-pricing":[{"slug":"free","name":"Free","price_cents_month":0,"monthly_call_quota":15000,"rps_limit":2,"hard_limit":true},{"slug":"starter","name":"Starter","price_cents_month":250,"monthly_call_quota":120000,"rps_limit":8,"hard_limit":true},{"slug":"pro","name":"Pro","price_cents_month":800,"monthly_call_quota":600000,"rps_limit":20,"hard_limit":true},{"slug":"mega","name":"Mega","price_cents_month":2200,"monthly_call_quota":3000000,"rps_limit":50,"hard_limit":true}],"x-oanor-marketplace-url":"https://www.oanor.com/api/mcc-api"}