Below is a list of supported merchant categories (MCC) for both Business and Freelance accounts. These categories define the types of transactions that are allowed on your USD card.
Yes in a column means that transactions in this category are allowed for the corresponding account type.
No indicates that transactions in this category are blocked for that account type.
Please use this table as a reference to avoid declined payments and ensure proper use of your card. This list is regularly updated, so new categories may be added or restrictions may change over time.
MCC | Merchant Category Name | Business Account | Freelance Account |
4814 | Telecommunication Services | Yes | Yes |
7311 | Advertising Services | Yes | Yes |
7033 | Trailer Parks, Campgrounds | Yes | Yes |
3999 | Manufacturing – Miscellaneous | Yes | Yes |
7512 | Car Rental Agencies | Yes | Yes |
7991 | Tourist Attractions and Exhibits | Yes | Yes |
5812 | Eating Places, Restaurants | NO | NO |
4816 | Computer Network Services | Yes | Yes |
7221 | Photographic Studios | Yes | Yes |
5651 | Family Clothing Stores | Yes | Yes |
5611 | Mens and Boys Clothing and Accessories Stores | Yes | Yes |
7399 | Miscellaneous Business Services | Yes | Yes |
7032 | Sporting/Recreation Camps | Yes | Yes |
4112 | Passenger Railways | Yes | Yes |
5944 | Jewelry Stores, Watches, Clocks, and Silverware Stores | Yes | Yes |
5691 | Mens, Womens Clothing Stores | Yes | Yes |
8661 | Religious Organizations | No | Yes |
7361 | Employment/Temp Agencies | Yes | Yes |
5969 | Direct Marketing – Other | No | Yes |
3273 | Cement and Concrete Products | Yes | Yes |
5039 | Construction Materials – Miscellaneous | Yes | Yes |
8699 | Membership Organizations | Yes | Yes |
5942 | Book Stores | Yes | Yes |
5045 | Computers, Peripherals, and Software | Yes | Yes |
4722 | Travel Agencies, Tour Operators / TUI Travel – Germany | Yes | Yes |
4121 | Taxicabs/Limousines | NO | NO |
7999 | Miscellaneous Recreation Services | Yes | Yes |
7012 | Timeshares | Yes | Yes |
7372 | Computer Programming | Yes | Yes |
5331 | Variety Stores | Yes | Yes |
4841 | Cable, Satellite, and Other Pay Television and Radio | Yes | Yes |
5817 | Digital Goods – Applications (Excludes Games) | Yes | Yes |
5734 | Computer Software Stores | Yes | Yes |
4784 | Tolls/Bridge Fees | Yes | Yes |
7996 | Amusement Parks/Carnivals | Yes | Yes |
5399 | Miscellaneous General Merchandise | Yes | Yes |
7011 | Lodging – Hotels, Motels, Resorts | Yes | Yes |
9399 | Government Services (Not Elsewhere Classified) | Yes | Yes |
5732 | Electronics Stores | Yes | Yes |
4789 | Transportation Services (Not Elsewhere Classified) | Yes | Yes |
8299 | Educational Services | Yes | Yes |
4215 | Courier Services | Yes | Yes |
5818 | Digital Goods – Large Digital Goods Merchant | Yes | Yes |
7922 | Theatrical Ticket Agencies | Yes | Yes |
7392 | Consulting, Public Relations | Yes | Yes |
4511 | Airlines / Aeroflot / SAS / United Airlines | Yes | Yes |
7929 | Bands, Orchestras | Yes | Yes |
5968 | Direct Marketing – Subscription | Yes | Yes |
5816 | Digital Goods – Games | Yes | Yes |
7829 | Picture/Video Production | Yes | Yes |
5735 | Record Stores | Yes | Yes |
5411 | Grocery Stores, Supermarkets | Yes | Yes |
5999 | Miscellaneous Specialty Retail | Yes | Yes |
4411 | Cruise Lines | Yes | Yes |
5815 | Digital Goods Media – Books, Movies, Music | Yes | Yes |
5621 | Womens Ready-To-Wear Stores | Yes | Yes |
7333 | Commercial Photography, Art and Graphics | Yes | Yes |
5541 | Fuel – Service Stations | Yes | Yes |
5311 | Department Stores | Yes | Yes |
5967 | Direct Marketing – Inbound Telemarketing | No | Yes |
8398 | Charitable and Social Service Organizations – Fundraising | Yes | Yes |
9399 | Government Services – Miscellaneous | Yes | Yes |
The merchants listed below are blocked for the business account type.
Merchant Name |
Wish.com |
Chegg |
Boohoo |
SSENSE.com |
Zalando |
End Clothing |
Blue Tomato |
Dunelm |
Movavi |
SimpliSafe |
PDF Filler |
Resume Builder |
Cengage Learning |
Yandex |
Huawei Services |
Adventure Academy |
Classic Reproduction |
How to Get a Merchant Category Unblocked?
If a transaction is declined with the message “Transaction was declined due to prohibited merchant category,” it means the merchant category is not currently on the approved list, or it is prohibited.
If you want to pay a merchant that’s currently blocked, don’t worry – we’re here to help! Contact our support team via live сhat. Use the live chat by clicking the dialog icon in the bottom right corner, or email us at support@karta.io.
With these guidelines in mind, you’ll know exactly how to handle merchant category limits and enjoy smooth transactions.