Merchant category code guide
MCC Code for Online Retailers: Amazon & eBay
There is no single “online retailer” code. A merchant’s category can depend on the business and how the transaction is processed. The examples below reflect CheckMCC’s current US merchant directory and are not a guarantee for every card transaction.
Which MCC do online retailers use?
Check the merchant record rather than assuming that every website uses the same code. In the current CheckMCC directory, Amazon and eBay are listed as MCC 5999, “Miscellaneous and Specialty Retail Stores.”
| Directory record | Reported MCC | Reference |
|---|---|---|
| Amazon | 5999 | Amazon merchant page |
| eBay | 5999 | eBay merchant page |
| Netflix subscription | 4899 | MCC 4899 reference |
| Continuity or subscription merchants | 5968 | MCC 5968 reference |
These are examples from the directory. A wallet, marketplace, subscription, or processor may use a different MCC for a particular payment path.
Why an online-shopping bonus may not apply
- Card issuers define bonus categories in their own terms; a website purchase is not automatically an online-shopping bonus.
- Subscriptions and digital services can have a different merchant category from retail goods.
- Wallets and intermediaries may appear on your statement instead of the retailer.
- Check the transaction’s posted MCC and the card’s current terms before relying on a bonus.
Related MCC codes
Frequently asked questions
What is the MCC code for online retailers?
There is no single code for every online retailer. In CheckMCC, Amazon and eBay are listed under MCC 5999; other merchants and payment paths can use different codes.
Do all online stores use MCC 5999?
No. Merchant categories vary by business, transaction, and processor. Check the specific merchant record and verify the code on a posted transaction.
How do I check a specific online store MCC?
Search the merchant in the CheckMCC lookup, open its merchant page, and compare the reported MCC with the code on your transaction statement.
Use the MCC lookup to search a retailer, or read how to find your merchant category code.