Category · Automotive
Automotive MCC Codes
MCC codes for automotive services, sales, and related businesses including car dealers, repair shops, and automotive parts.
6 codes in this category
Risk profile
- Low risk
- 2
- Medium risk
- 4
- High risk
- 0
Standard interchange rates, fewer dispute concerns.
Some processor scrutiny; manageable with the right setup.
Often require specialized acquirers and reserve arrangements.
Browse
All Automotive MCC Codes
Complete list of merchant category codes for automotive businesses.
Motor Vehicle Supplies and New Parts
Auto parts stores, Car accessories, Automotive supplies
Car and Truck Dealers (New & Used)
Car dealerships, Truck dealers, Auto sales
Service Stations
Gas stations, Fuel stations, Service stations
Truck Rental
Truck rental companies, Commercial vehicle rental, Moving truck rental
Car Rental Agencies
Car rental agencies, Vehicle rental, Auto rental services
Truck and Utility Trailer Rental
Utility trailer rental, Equipment trailer rental, Moving trailer rental
Guide
Automotive Payment Processing Guide
How to think about MCC selection, processing setup, and risk tradeoffs when running a automotive business.
Overview
Businesses in the automotive category have unique payment processing needs and requirements. Understanding the right MCC code for your specific business type is crucial for optimal payment processing setup.
Common Automotive Business Types
- 5013Motor Vehicle Supplies and New PartsAuto parts stores, Car accessories
- 5511Car and Truck Dealers (New & Used)Car dealerships, Truck dealers
- 5541Service StationsGas stations, Fuel stations
- 7511Truck RentalTruck rental companies, Commercial vehicle rental
- 7512Car Rental AgenciesCar rental agencies, Vehicle rental
Payment Processing Considerations
When setting up payment processing for your automotive business, consider these important factors:
- Risk level: different MCC codes within this category carry varying risk levels that affect processing rates.
- Transaction patterns: typical transaction amounts and frequency shape underwriting expectations.
- Compliance requirements: some automotive businesses have specific regulatory obligations.
- Integration needs: your processor should support industry-specific software and gateways.
- Customer preferences: pick payment methods aligned with how your customers actually pay.
Need help with automotive processing?
Our payment processing experts understand the unique needs of automotive businesses and can help you find the right MCC code and merchant account solution.