Certain merchant categories are blocked from Reap Card usage due to security and compliance requirements.
MCCs (Merchant Category Codes) are four-digit codes assigned by credit card networks to classify businesses by type. These codes help manage risk, rewards, and processing rules.
Summary
Reap Cards block a small number of MCCs for compliance or risk reasons
These categories include cash-equivalent transactions, gambling, and money transfers
What Is a Merchant Category Code (MCC)?
Merchant Category Codes (MCCs) identify the type of goods or services a business provides. Credit card networks use MCCs to:
Monitor for fraud or unusual spending
Determine eligibility for rewards programs
Set processing fees for transactions
Each merchant is assigned one MCC when they register with a payment processor.
Which MCCs Are Blocked on Reap Cards?
Reap Cards will decline any transaction made under the following MCCs:
| MCC Code | Category |
|---|---|
| 5542 | Automated Fuel Dispenser |
These restrictions apply to all Reap Cardholders. Transactions under these categories will not be approved.
Need Help?
If you’re unsure why a transaction was declined, or you have questions about specific categories, reach out to our team. We’re here to help.