MCC Codes: Understanding Their Importance in Payment Processing

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TABLE OF CONTENTS

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

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.

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