MCC Codes: Understanding Their Importance in Payment Processing
Written by Lee Hart
MCC codes, or Merchant Category Codes, are essential tools that help classify businesses based on the goods or services they provide. These four-digit codes play a vital role in payment processing, affecting transaction fees and risks for merchants and cardholders alike. Understanding how these codes operate can empower businesses to optimise their payment strategies and enhance financial performance.
As the digital economy continues to grow, the relevance of MCC codes becomes even more pronounced. They assist financial institutions in assessing risks and determining the applicability of rewards and benefits for transactions. By grasping the importance of these codes, businesses can navigate the complex landscape of payment processing more effectively.
In a world where technology is constantly evolving, staying informed about MCC codes is crucial for any business involved in card transactions. With the right knowledge, they can leverage these codes for greater operational success and customer satisfaction.
Key Takeaways
- MCC codes help classify businesses for payment processing.
- Understanding MCC codes can aid in optimising transaction strategies.
- Staying informed about these codes is essential for navigating payment landscapes.
Overview of Merchant Category Codes
Merchant Category Codes (MCCs) play a crucial role in categorising businesses based on their primary activities. These codes help financial institutions process transactions more efficiently and allow businesses to better understand their market.
Definition and Purpose
Merchant Category Codes are four-digit numbers assigned to different types of businesses. Each code represents a specific category, such as retail, services, or entertainment.
These codes assist banks and payment networks in identifying the type of merchant involved in a transaction. This classification helps determine transaction fees, eligibility for rewards, and regulatory compliance. For example, a clothing store might have an MCC of apparel retail, while a gas station has a different code.
MCCs also enable businesses to analyse their spending patterns, making it easier to create targeted marketing strategies and offers that appeal to their customers.
History and Development
The concept of Merchant Category Codes originated in the 1970s as a way to simplify transaction processing. As electronic payments grew, the need for a standard coding system became more critical.
Initially, these codes were primarily used by major credit card networks, such as Visa and Mastercard. Over time, other organisations adopted these codes, leading to the creation of various classifications.
Today, there are over 70,000 MCCs globally, with codes varying between countries. The codes were developed to meet changing market needs and to accommodate new business types. As commerce continues to evolve, MCCs will likely adapt and grow to include emerging industries.
MCC Codes Structure
MCC codes are essential for categorising businesses and their transactions. An understanding of their structure helps in recognising how these codes are formatted and who is responsible for their assignment.
Format and Length
MCC codes are four-digit numeric identifiers assigned to businesses. Each code corresponds to a specific category that reflects the primary activity of the business.
For example, the code 5812 refers to "Eating Places and Restaurants." The first digit of the code typically indicates the general category, while the subsequent digits provide more specific information about the type of merchant.
Codes can be grouped into ranges that identify various industries. For instance, codes from 0001 to 1499 are used for agricultural services, while 1500 to 2999 cover contracted services. This structured format helps financial institutions process transactions accurately.
Assignment and Administration
MCC codes are assigned and maintained by major credit card networks, such as Visa and Mastercard. Each network has its own system for creating and updating these codes.
As of October 2019, Visa introduced new codes, including MCC 5262 for marketplaces. These changes reflect the evolving nature of the market and consumer needs.
Merchants must ensure they have the correct MCC to avoid issues with payment processing. Incorrect codes can lead to higher fees or delays in transactions. Regular updates and reviews of MCC codes are crucial for compliance and efficiency in payment systems, making accurate assignment vital for all stakeholders.
Implementation and Usage
Merchant Category Codes (MCCs) play a vital role in the financial system by categorising businesses and their transactions. They are essential for banks, payment processors, and consumers in understanding spending patterns and offering relevant rewards.
Industry Usage
MCCs are used across various industries to classify transactions. Businesses fall into different categories based on the services or goods they offer. For example, retail stores often have distinct MCCs compared to restaurants.
Common Industry Examples:
- Retail: MCC 5411 for grocery stores
- Dining: MCC 5812 for restaurants
- Travel: MCC 4722 for travel agencies
Each of these codes helps financial institutions manage and analyse transactions better. They also allow for targeted marketing and special offers tailored to specific types of spending.
Impact on Transactions
The presence of MCCs influences how transactions are processed. They help determine fees and rewards associated with credit card usage. For instance, a credit card may offer higher cashback for purchases made in specific MCCs like travel.
MCCs also aid in fraud prevention. They provide insights into abnormal spending patterns that can trigger alerts when an unusual transaction occurs.
Benefits of MCCs in Transactions:
- Rewards Programmes: Encourages consumer loyalty
- Fraud Detection: Enhances security measures
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By classifying transactions, MCCs allow card issuers to optimise rewards while offering customers clear incentives for their spending behaviour.
Regulation and Compliance
Regulation and compliance play a crucial role in how Merchant Category Codes (MCC) operate. These codes help ensure businesses align with industry standards and legal requirements. Understanding these aspects is essential for merchants and payment processors.
Industry Standards
Merchant Category Codes are shaped by various industry standards that dictate how businesses categorise transactions. These standards ensure consistency across payment systems, allowing accurate tracking and reporting.
Each MCC serves to classify businesses based on the types of goods or services offered. For instance, a restaurant may have a different MCC than a clothing store. Payment card networks assign these codes to facilitate compliance with industry norms.
Staying updated on industry standards helps merchants minimise transaction disputes and enhance customer trust. It is vital for businesses to regularly review their assigned MCC to ensure alignment with their operations and industry expectations.
Legal Framework
The legal framework surrounding Merchant Category Codes includes regulations that govern specific industries. For example, the gaming sector often faces stringent rules requiring careful monitoring of transactions.
MCCs assist in identifying these transactions, helping ensure compliance with laws and guidelines specific to each industry. This may involve adhering to anti-money laundering (AML) regulations or consumer protection laws.
Certain high-risk MCCs, like those for online gambling or CBD sales, carry additional compliance challenges. Businesses within these categories must navigate complex regulations to avoid legal issues. Awareness of the legal obligations related to MCCs is essential for businesses to maintain compliance and operate successfully.
Merchant Category Codes in Practice
Merchant Category Codes (MCCs) serve important roles in business classification and payment processing. They help categorise merchants based on their business activities, which can impact transaction fees and risk assessment.
Examples by Industry Sector
MCCs are organised by industry sectors, making it easier to identify the type of business. Here are some examples of MCC ranges:
- Agricultural Services (0001-1499)
This includes businesses like veterinary services and gardening services.
- Contracted Services (1500-2999)
This range covers various construction and professional services.
- Retail Trade (5000-5999)
This includes department stores, grocery stores, and clothing shops.
These categories help banks and credit card companies assess and manage risk associated with different types of transactions.
Case Studies
In practice, MCCs can greatly influence how businesses operate. For instance, a restaurant classified under the MCC for food services may qualify for lower processing fees.
On the other hand, an online gaming company classified under a different MCC may face higher fees due to perceived risks.
Another example includes a non-profit organisation that might fall under a specific MCC for charitable organisations, allowing for different fee structures and rules regarding contributions.
These classifications affect not only costs but also consumer behaviour and payment processing compliance.
Full List of MCC Codes
A comprehensive list of MCC codes is essential for any business working with card processing. Here is a simplified representation of key ranges:
MCC RangeDescription
0001-1499 - Agricultural Services
1500-2999 - Contracted Services
3000-3299 - Manufacturing
5000-5999 - Retail and Wholesale Trade
7000-7999 - Service-related Businesses
Businesses can utilise this list to verify their codes and understand their categorisation better. Using the correct MCC can lead to more efficient processing and improved understanding of business types in financial contexts.
Technological Integration
Integrating technology with Merchant Category Codes (MCCs) enhances efficiency, compliance, and data analysis in financial transactions. This section delves into key areas of integration, such as software solutions, point of sale systems, and electronic payment platforms.
Software Solutions
Software solutions play a crucial role in utilising MCCs effectively. Many businesses implement specialised software to manage and categorise transactions based on MCCs.
These software platforms often enable automatic categorisation, lowering manual errors. They help in generating detailed reports, facilitating compliance with regulatory requirements.
Key Features:
- Real-time data analysis: Provides insights into spending patterns.
- Customisable reporting: Tailored reports based on specific businesses needs.
- Integration capabilities: Connects seamlessly with other financial systems.
Such features allow businesses to optimise their operations and improve financial decision-making.
Point of Sale Systems
Point of Sale (POS) systems are fundamental to the integration of MCCs in retail environments. Modern POS systems can automatically recognise and assign MCCs based on the nature of the transaction.
This automation saves time and enhances accuracy during payment processing. Moreover, many POS systems provide features for tracking sales metrics tied to specific categories.
Key Advantages:
- Streamlined checkout experience: Quick, efficient payment processing.
- MCC reporting tools: Insight into high-performing categories.
- Fraud detection: Enhanced security features to monitor transactions.
These systems can substantially elevate the customer experience while ensuring compliance with necessary regulations.
Electronic Payment Platforms
Electronic payment platforms utilise MCCs to categorise transactions across a variety of payment methods, including credit cards and online payments. These platforms can integrate with existing business IT infrastructure, ensuring smooth operation.
They often provide detailed transaction data that assists businesses in understanding their financial health.
Notable Features:
- Automated MCC assignment: Reduces manual data entry and errors.
- Cross-platform functionality: Works across mobile, tablet, and desktop devices.
- Compliance monitoring: Helps businesses stay aligned with industry standards.
By leveraging these platforms, businesses can enhance transaction tracking and ensure compliance while simplifying the payment process.
Challenges and Considerations
Merchant Category Codes (MCCs) can present various challenges for businesses. These challenges often relate to risk ratings, data privacy, misclassification, and the need for regular updates. Addressing these areas is crucial for effective use of MCCs in risk management and payment processing.
Risk Ratings & MCC Codes
MCCs are linked to specific risk ratings assigned to different types of businesses. These ratings can influence transaction fees and the likelihood of chargebacks. Businesses classified under high-risk MCCs often face higher scrutiny from banks and payment processors.
For example, industries such as adult entertainment or gambling may fall into high-risk categories. This classification can lead to increased transaction costs. Companies need to be aware of their MCC assignment to effectively manage potential financial implications.
Regular monitoring of risk ratings helps businesses stay informed. Adjustments in operations or service offerings may be necessary to maintain a lower risk profile.
Data Privacy Concerns
Data privacy is a growing concern associated with MCCs. As businesses capture customer data linked to their MCCs, they must comply with various regulations. This includes laws like the General Data Protection Regulation (GDPR) in Europe.
Failure to protect customer data can lead to significant legal consequences. Businesses need to implement strong security measures to safeguard sensitive information. This includes encryption and regular data audits.
Furthermore, data breaches can harm a company's reputation. Maintaining transparency with customers about data usage is critical in building trust.
Misclassification Issues
Misclassification of MCCs can lead to costly errors for businesses. A wrong MCC can result in inappropriate fees or penalties. For instance, a company may be charged at a higher rate if it is inaccurately classified as high-risk.
To avoid these issues, businesses should routinely review their assigned MCCs. They need to understand the criteria used for classification. Engaging with payment processors to clarify the assigned MCC is important.
Additionally, businesses should educate staff about proper categorisation. This can help prevent misclassification that may arise from human error.
Updating and Maintaining MCCs
MCCs are not static; they require regular updates and maintenance. Changes in business operations, products, or services can necessitate a new classification. Keeping MCCs current ensures that businesses remain compliant and avoid potential penalties.
Companies should establish a schedule for reviewing their MCC assignments. This could be done annually or whenever significant business changes occur. Engaging with relevant payment processors for updates is essential.
Moreover, businesses can benefit from training their teams on the importance of MCCs. Understanding their implications can aid in better compliance and risk management strategies.
Future Outlook of MCC Codes
MCC codes are evolving to meet the needs of businesses and regulatory requirements. Innovations and industry trends will shape how these codes are used and understood in the coming years.
Innovation and Changes
Technological advancements will significantly impact the utilisation of MCC codes. As payment systems become more sophisticated, businesses can expect enhanced categorisation of transactions. For instance, businesses will be able to break down spending into more precise categories, like “Dining - Coffee” or “Dining - Fast Food.”
This enhanced clarity will help consumers track their spending habits more effectively. It will also guide financial institutions in offering tailored services based on individual spending behaviours. Furthermore, the integration of machine learning and data analytics will streamline how MCCs are assigned, ensuring that they are accurate and reflect the true nature of business activities.
Predicted Industry Trends
The future of MCC codes involves greater alignment with compliance standards and evolving market needs. As regulations tighten around financial transactions, accurate MCCs will become vital for compliance purposes. Companies will need to ensure their codes are consistently updated to reflect their operations accurately.
Additionally, high-risk MCCs will garner more attention. Businesses in these categories may encounter higher processing fees, affecting their bottom line. The demand for clarity in MCC usage will likely grow as consumers become more aware of how these codes impact their financial dealings. Therefore, staying informed about changes in MCC classifications will be essential for businesses to remain competitive.
About The Author
Lee Hart
Frequently Asked Questions
This section addresses common inquiries regarding Merchant Category Codes (MCC). It covers topics such as finding specific codes, understanding their numerical representations, sourcing comprehensive lists, the impact on transactions, update frequency, and merchant influence over their assigned codes.
How can one find a specific company's merchant category code?
To find a specific company's MCC, individuals can check their credit card statements. The MCC is usually listed alongside transaction details. Additionally, businesses can contact their payment processor for clarification on their assigned MCC.
What do the numbers in the MCC represent for various businesses?
MCCs are four-digit codes that categorise businesses based on the type of goods or services they offer. Each code corresponds to a specific category, helping payment networks identify the nature of transactions. For example, a code of 5812 typically represents restaurants.
In what ways can merchant category codes impact financial transactions?
MCCs can influence transaction fees, rewards programmes, and eligibility for certain financial products. Different categories may have varied rates or benefits associated with them. For instance, travel-related MCCs may qualify for higher rewards in travel rewards credit cards.
How frequently do the Visa and Mastercard MCC lists get updated?
Visa and Mastercard typically update their MCC lists annually. Changes may occur in response to evolving business practices or regulatory requirements. It is essential for merchants to stay informed about any adjustments to ensure they maintain compliance.
Can a merchant influence their assigned merchant category code?
Yes, a merchant can influence their assigned MCC. If a business changes its primary activities, it can request a code change. This requires coordination with the payment processor, along with providing documentation to support the request.
Where can an exhaustive list of merchant category codes be sourced?
A/C, Refrigeration Repair - 7623
Accounting/Bookkeeping Services - 8931
Advertising Services - 7311
Agricultural Cooperative - 0763
Airlines, Air Carriers - 4511
Airports, Flying Fields - 4582
Ambulance Services - 4119
Amusement Parks/Carnivals - 7996
Antique Reproductions - 5937
Antique Shops - 5932
Aquariums - 7998
Architectural/Surveying Services - 8911
Art Dealers and Galleries - 5971
Artists Supply and Craft Shops - 5970
Auto Body Repair Shops - 7531
Auto Paint Shops - 7535
Auto Service Shops - 7538
Auto and Home Supply Stores - 5531
Automated Cash Disburse - 6011
Automated Fuel Dispensers - 5542
Automobile Associations - 8675
Automotive Parts and Accessories Stores - 5533
Automotive Tire Stores - 5532
Bail and Bond Payments (payment to the surety for the bond, not the actual bond paid to the government agency) - 9223
Bakeries - 5462
Bands, Orchestras - 7929
Barber and Beauty Shops - 7230
Betting/Casino Gambling - 7995
Bicycle Shops - 5940
Billiard/Pool Establishments - 7932
Boat Dealers - 5551
Boat Rentals and Leases - 4457
Book Stores - 5942
Books, Periodicals, and Newspapers - 5192
Bowling Alleys - 7933
Bus Lines - 4131
Business/Secretarial Schools - 8244
Buying/Shopping Services - 7278
Cable, Satellite, and Other Pay Television and Radio - 4899
Camera and Photographic Supply Stores - 5946
Candy, Nut, and Confectionery Stores - 5441
Car Rental Agencies - 7512
Car Washes - 7542
Car and Truck Dealers (New & Used) Sales, Service, Repairs Parts and Leasing - 5511
Car and Truck Dealers (Used Only) Sales, Service, Repairs Parts and Leasing - 5521
Carpentry Services - 1750
Carpet/Upholstery Cleaning - 7217
Caterers - 5811
Charitable and Social Service Organizations - Fundraising - 8398
Chemicals and Allied Products (Not Elsewhere Classified) - 5169
Child Care Services - 8351
Childrens and Infants Wear Stores - 5641
Chiropodists, Podiatrists - 8049
Chiropractors - 8041 Cigar Stores and Stands - 5993
Civic, Social, Fraternal Associations - 8641
Cleaning and Maintenance - 7349
Clothing Rental - 7296
Colleges, Universities - 8220
Commercial Equipment (Not Elsewhere Classified) - 5046
Commercial Footwear - 5139
Commercial Photography, Art and Graphics - 7333
Commuter Transport, Ferries - 4111
Computer Network Services - 4816
Computer Programming - 7372
Computer Repair - 7379
Computer Software Stores - 5734
Computers, Peripherals, and Software - 5045
Concrete Work Services - 1771
Construction Materials (Not Elsewhere Classified) - 5039
Consulting, Public Relations - 7392
Correspondence Schools - 8241
Cosmetic Stores - 5977
Counseling Services - 7277
Country Clubs - 7997
Courier Services - 4215
Court Costs, Including Alimony and Child Support - Courts of Law - 9211
Credit Reporting Agencies - 7321
Cruise Lines - 4411
Dairy Products Stores - 5451
Dance Hall, Studios, Schools - 7911
Dating/Escort Services - 7273
Dentists, Orthodontists - 8021
Department Stores - 5311
Detective Agencies - 7393
Digital Goods Media – Books, Movies, Music - 5815
Digital Goods – Applications (Excludes Games) - 5817
Digital Goods – Games - 5816
Digital Goods – Large Digital Goods Merchant - 5818
Direct Marketing - Catalog Merchant - 5964
Direct Marketing - Combination Catalog and Retail Merchant - 5965
Direct Marketing - Inbound Telemarketing - 5967
Direct Marketing - Insurance Services - 5960
Direct Marketing - Other - 5969
Direct Marketing - Outbound Telemarketing - 5966
Direct Marketing - Subscription - 5968
Direct Marketing - Travel - 5962
Discount Stores - 5310
Doctors - 8011
Door-To-Door Sales - 5963
Drapery, Window Covering, and Upholstery Stores - 5714
Drinking Places - 5813
Drug Stores and Pharmacies - 5912
Drugs, Drug Proprietaries, and Druggist Sundries - 5122
Dry Cleaners - 7216
Durable Goods (Not Elsewhere Classified) - 5099
Duty Free Stores - 5309
Eating Places, Restaurants - 5812
Educational Services - 8299
Electric Razor Stores - 5997
Electric Vehicle Charging - 5552
Electrical Parts and Equipment - 5065
Electrical Services - 1731
Electronics Repair Shops - 7622
Electronics Stores - 5732
Elementary, Secondary Schools - 8211
Emergency Services (GCAS) (Visa use only) - 9702
Employment/Temp Agencies - 7361
Equipment Rental - 7394
Exterminating Services - 7342
Family Clothing Stores - 5651
Fast Food Restaurants - 5814
Financial Institutions - 6012
Fines - Government Administrative Entities - 9222
Fireplace, Fireplace Screens, and Accessories Stores - 5718
Floor Covering Stores - 5713
Florists - 5992
Florists Supplies, Nursery Stock, and Flowers - 5193
Freezer and Locker Meat Provisioners - 5422
Fuel Dealers (Non Automotive) - 5983
Funeral Services, Crematories - 7261
Furniture Repair, Refinishing - 7641
Furniture, Home Furnishings, and Equipment Stores, Except Appliances - 5712
Furriers and Fur Shops - 5681
General Services - 1520
Gift, Card, Novelty, and Souvenir Shops - 5947
Glass, Paint, and Wallpaper Stores - 5231
Glassware, Crystal Stores - 5950
Golf Courses - Public - 7992
Grocery Stores, Supermarkets - 5411
Hardware Stores - 5251
Hardware, Equipment, and Supplies - 5072
Health and Beauty Spas - 7298
Hearing Aids Sales and Supplies - 5975
Heating, Plumbing, A/C - 1711
Hobby, Toy, and Game Shops - 5945
Home Supply Warehouse Stores - 5200
Hospitals - 8062
Hotels, Motels, and Resorts - 7011
Household Appliance Stores - 5722
Jewelry Stores, Watches, Clocks, and Silverware Stores - 5944
Jewelry Stores, Watches, Clocks, and Silverware Stores - 5944
Landscaping Services - 0780
Laundries - 7211
Laundry, Cleaning Services - 7210
Legal Services, Attorneys - 8111
Luggage and Leather Goods Stores - 5948
Lumber, Building Materials Stores - 5211
Manual Cash Disburse - 6010
Marinas, Service and Supplies - 4468
Marketplaces - 5262
Masonry, Stonework, and Plaster - 1740
Massage Parlors - 7297
Medical Services - 8099
Medical and Dental Labs - 8071
Medical, Dental, Ophthalmic, and Hospital Equipment and Supplies - 5047
Membership Organizations - 8699
Mens and Boys Clothing and Accessories Stores - 5611
Mens, Womens Clothing Stores - 5691
Metal Service Centers - 5051
Miscellaneous Apparel and Accessory Shops - 5699
Miscellaneous Auto Dealers - 5599
Miscellaneous Business Services - 7399
Miscellaneous Food Stores - Convenience Stores and Specialty Markets - 5499
Miscellaneous General Merchandise - 5399
Miscellaneous General Services - 7299
Miscellaneous Home Furnishing Specialty Stores - 5719
Miscellaneous Publishing and Printing - 2741
Miscellaneous Recreation Services - 7999
Miscellaneous Repair Shops - 7699
Miscellaneous Specialty Retail - 5999
Mobile Home Dealers - 5271
Motion Picture Theaters - 7832
Motor Freight Carriers and Trucking - Local and Long Distance, Moving and Storage
Companies, and Local Delivery Services - 4214
Motor Homes Dealers - 5592
Motor Vehicle Supplies and New Parts - 5013
Motorcycle Shops and Dealers - 5571
Motorcycle Shops, Dealers - 5561
Music Stores-Musical Instruments, Pianos, and Sheet Music - 5733
News Dealers and Newsstands - 5994
Non-FI, Money Orders - 6051
Non-FI, Stored Value Card Purchase/Load - 6540
Nondurable Goods (Not Elsewhere Classified) - 5199
Nurseries, Lawn and Garden Supply Stores - 5261
Nursing/Personal Care - 8050
Office and Commercial Furniture - 5021
Opticians, Eyeglasses - 8043
Optometrists, Ophthalmologist - 8042
Orthopedic Goods - Prosthetic Devices - 5976
Osteopaths - 8031
Package Stores-Beer, Wine, and Liquor - 5921
Paints, Varnishes, and Supplies - 5198
Parking Lots, Garages - 7523
Passenger Railways - 4112
Pawn Shops - 5933
Pet Shops, Pet Food, and Supplies - 5995
Petroleum and Petroleum Products - 5172
Photo Developing - 7395
Photographic Studios - 7221
Photographic, Photocopy, Microfilm Equipment, and Supplies - 5044
Picture/Video Production - 7829
Piece Goods, Notions, and Other Dry Goods - 5131
Plumbing, Heating Equipment, and Supplies - 5074
Political Organizations - 8651
Postal Services - Government Only - 9402
Precious Stones and Metals, Watches and Jewelry - 5094
Professional Services - 8999
Public Warehousing and Storage - Farm Products, Refrigerated Goods, Household Goods, and Storage - 4225
Quick Copy, Repro, and Blueprint - 7338
Railroads - 4011
Real Estate Agents and Managers - Rentals - 6513
Record Stores - 5735
Recreational Vehicle Rentals - 7519
Religious Goods Stores - 5973
Religious Organizations - 8661
Roofing/Siding, Sheet Metal - 1761
Secretarial Support Services - 7339
Security Brokers/Dealers - 6211
Service Stations - 5541
Sewing, Needlework, Fabric, and Piece Goods Stores - 5949
Shoe Repair/Hat Cleaning - 7251
Shoe Stores - 5661
Small Appliance Repair - 7629
Snowmobile Dealers - 5598
Special Trade Services - 1799
Specialty Cleaning - 2842
Sporting Goods Stores - 5941
Sporting/Recreation Camps - 7032
Sports Clubs/Fields - 7941
Sports and Riding Apparel Stores - 5655
Stamp and Coin Stores - 5972
Stationary, Office Supplies, Printing and Writing Paper - 5111
Stationery Stores, Office, and School Supply Stores - 5943
Swimming Pools Sales - 5996
TUI Travel - Germany - 4723
Tailors, Alterations - 5697
Tax Payments - Government Agencies - 9311
Tax Preparation Services - 7276
Taxicabs/Limousines - 4121
Telecommunication Equipment and Telephone Sales - 4812
Telecommunication Services - 4814
Telegraph Services - 4821
Tent and Awning Shops - 5998
Testing Laboratories - 8734
Theatrical Ticket Agencies - 7922
Timeshares - 7012
Tire Retreading and Repair - 7534
Tolls/Bridge Fees - 4784
Tourist Attractions and Exhibits - 7991
Towing Services - 7549
Trailer Parks, Campgrounds - 7033
Transportation Services (Not Elsewhere Classified) - 4789
Travel Agencies, Tour Operators - 4722
Truck/Utility Trailer Rentals - 7513
Typesetting, Plate Making, and Related Services - 2791
Typewriter Stores - 5978
U.S. Federal Government Agencies or Departments - 9405
Uniforms, Commercial Clothing - 5137
Used Merchandise and Secondhand Stores - 5931
Utilities - 4900
Variety Stores - 5331
Veterinary Services - 0742
Video Amusement Game Supplies - 7993
Video Game Arcades - 7994
Video Tape Rental Stores - 7841
Vocational/Trade Schools - 8249
Watch/Jewelry Repair - 7631
Welding Repair - 7692
Wholesale Clubs - 5300
Wig and Toupee Stores - 5698
Wires, Money Orders - 4829
Womens Accessory and Specialty Shops - 5631
Womens Ready-To-Wear Stores - 5621
Wrecking and Salvage Yards - 5935
