November 29, 2022
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Merchant category code

Merchant category code

rohith
New Contributor

Hi,

I am testing Controlled Spending API and interested to know if there is a way to approve spending for paying internet bill. Is there a merchant category code to track this?

 

Thank you.

1 REPLY 1

bmo
Marqeta Staff
Marqeta Staff

Internet service providers should fall into MCC 4816 according to the Visa reference (https://usa.visa.com/content/dam/VCOM/download/merchants/visa-merchant-data-standards-manual.pdf). However, we recommend that you validate these merchant details by first completing a transaction with a Marqeta-issued card so you can easily examine the transaction data. You would have to generate a card in a production environment in order to transact with the merchant.

Once you've confirmed the MCC that this merchant is using, you can specify that MCC in the 'merchant_scope' object of the velocity or authorization controls that you create:

https://www.marqeta.com/docs/core-api/velocity-controls#_create_velocity_control
https://www.marqeta.com/docs/core-api/authorization-controls#_create_authorization_control

Whether you use velocity or authorization controls to implement your spend controls will depend on whether you're using a JIT funding gateway to approve transaction in real-time, and the configuration of your Marqeta environment. Please reach out to your Marqeta representative if you'd like to clarify the implementation approach for your specific use-case and environment configuration.