Which MCC codes are restricted when using a Reap Card?

Edited

What is an MCC Code?

A Merchant Category Code (MCC) is a four-digit number assigned to businesses by credit card companies to categorize the type of goods or services they sell. These codes help credit card companies:

  • Identify fraud: MCCs can assist in detecting suspicious spending patterns.

  • Offer rewards programs: Certain credit cards offer rewards based on MCC categories (e.g., cashback on travel purchases).

  • Set interchange fees: The fees charged to merchants for processing transactions can vary depending on the MCC.

Which MCC codes are restricted when using a Reap Card?

For security and regulatory reasons, your Reap Card will not accept payments under the following codes

Blocked MCC code

MCC Name

4829

Money Transfer

6010

Financial Institutions, Manual Cash Disbursements

6011

Financial Institutions, Automated Cash Disbursements

6012

Financial Institutions – Merchandise, Services, and Debt Repayment

6051

Non-Financial Institutions – Foreign Currency, Money Orders, Travelers Cheques, Debt Repayment

6540

POI Funding Transactions (excluding MoneySend)

7273

Dating and Escort Services

7995

Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting

9223

Bail and Bond Payments

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