A Merchant Category Code (MCC) is a four-digit code that classifies a business based on its goods or services and informs issuers and payment processors on how to handle transactions.
Mesh allows users with an Employee profile to set MCC limitations when requesting a General Purpose card. Strong users (e.g., those with a Mesh Admin profile) can set MCC limitations on a General Purpose card when generating or approving one.
No MCC limitations is the default.
To configure MCC limitations, follow these steps:
1. Request or generate a card.
2. Navigate to the Card Limitations section.
3. Add a 'Spending limit', 'Period' and 'Currency'.
4. Select the logic—either 'Allow' or 'Restrict'.
- Allow : Transactions with merchants/vendors using the specified MCC will be approved, while all others will be declined.
- Restrict: Transactions with merchants/vendors using the specified MCC will be declined, while purchases from merchants/vendors with other MCCs will be allowed.
5. Choose one or more MCC categories.
6. Complete the rest of the details on the General Purpose request form and click 'Submit' to send the card to the approval flow.
7. Each card on the Mesh platfrom undergoes an approval process. When a card is approved, the 'Card limitations' section present the card's restricted MCC groups.
Examples:
a. The following selection means that the Computers & IT Equipment (or MCC # 5045) is allowed and transactions with a merchant/vendor that uses a different MCC will be declined.
b. The following selection means that the Business Services - Marketing & Advertising (or MCC # 7311) is restricted. In simple terms users can purchase items from any merchant/vendor that does not use the mentioned MCC code but if they try to transact with a merchant/vendor that uses that MCC, the transaction will be declined.
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