Category · Utility Services
Utility Services MCC Codes
MCC codes for utility companies and services including electric, gas, water, telecommunications, and cable services.
24 codes in this category
Risk profile
- Low risk
- 23
- Medium risk
- 0
- High risk
- 1
Standard interchange rates, fewer dispute concerns.
Some processor scrutiny; manageable with the right setup.
Often require specialized acquirers and reserve arrangements.
Browse
All Utility Services MCC Codes
Complete list of merchant category codes for utility services businesses.
Telecommunication Equipment Including Telephone Sales
Businesses classified under MCC 4812 typically include telecommunication equipment including telephone sales.
Key-Entry Telecom Merchant providing single local and long-distance phone calls using a central access number in a non-face-to-face environment using key entry
Businesses classified under MCC 4813 typically include key-entry telecom merchant providing single local and long-distance phone calls using a central access number in a non-face-to-face environment using key entry.
Telecommunication Services including but not limited to prepaid phone services and recurring phone services
Businesses classified under MCC 4814 typically include telecommunication services including but not limited to prepaid phone services and recurring phone services.
Computer Network/Information Services
Businesses classified under MCC 4816 typically include computer network/information services.
Telegraph Services
Businesses classified under MCC 4821 typically include telegraph services.
Wire Transfer Money Orders (V, D, G, X) / Money Transfer (M)
Businesses classified under MCC 4829 typically include wire transfer money orders (v, d, g, x) / money transfer (m).
Cable, Satellite, and Other Pay Television and Radio Services
Businesses classified under MCC 4899 typically include cable, satellite, and other pay television and radio services.
Utilities-Electric, Gas, Heating Oil, Sanitary, Water
Businesses classified under MCC 4900 typically include utilities-electric, gas, heating oil, sanitary, water.
I-Purchasing Pilot
Businesses classified under MCC 9034 typically include i-purchasing pilot.
Court Costs, Including Alimony and Child Support
Court payments, Legal fees, Alimony payments
Fines
Businesses classified under MCC 9222 typically include fines.
Bail and Bond Payments
Businesses classified under MCC 9223 typically include bail and bond payments.
Tax Payments
Tax payments, IRS payments, State taxes
Government Services
Government services, Municipal services, Public services
I-Purchasing Pilot
Businesses classified under MCC 9401 typically include i-purchasing pilot.
Postal Services-Government Only
Businesses classified under MCC 9402 typically include postal services-government only.
Intra-Government Purchases-Government Only
Businesses classified under MCC 9405 typically include intra-government purchases-government only.
Automated Referral Service
Businesses classified under MCC 9700 typically include automated referral service.
Visa Credential Server
Businesses classified under MCC 9701 typically include visa credential server.
GCAS Emergency Services
Businesses classified under MCC 9702 typically include gcas emergency services.
UK Supermarkets, Electronic Hot File
Businesses classified under MCC 9751 typically include uk supermarkets, electronic hot file.
UK Petrol Stations, Electronic Hot File
Businesses classified under MCC 9752 typically include uk petrol stations, electronic hot file.
Gambling-Horse, Dog Racing, State Lottery
Businesses classified under MCC 9754 typically include gambling-horse, dog racing, state lottery.
Intra-Company Purchases
Businesses classified under MCC 9950 typically include intra-company purchases.
Guide
Utility Services Payment Processing Guide
How to think about MCC selection, processing setup, and risk tradeoffs when running a utility services business.
Overview
Businesses in the utility services 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 Utility Services Business Types
- 4812Telecommunication Equipment Including Telephone Sales
- 4813Key-Entry Telecom Merchant providing single local and long-distance phone calls using a central access number in a non-face-to-face environment using key entry
- 4814Telecommunication Services including but not limited to prepaid phone services and recurring phone services
- 4816Computer Network/Information Services
- 4821Telegraph Services
Payment Processing Considerations
When setting up payment processing for your utility services 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 utility services 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 utility services processing?
Our payment processing experts understand the unique needs of utility services businesses and can help you find the right MCC code and merchant account solution.