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Exploring MCC for Telecom| RBL EDC

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venuharry

TF Select
I’ve explored multiple ways to identify the Merchant Category Code (MCC) for telecom-related payments, but so far, without much success. Here’s a summary of what I’ve tried:

  1. MCC for Loading Airtel Bank Account using Debit Card:
    • MCC: 6540
  2. MCC for Paying Bills via Freecharge App:
    • MCC: 4900 (Utility)
  3. MCC for Paying Bills via Axis Bank (Freecharge):
    • MCC: 6300
  4. Easemydeal:
    • Unfortunately, this platform doesn’t support debit card payments, so I couldn’t test here.
  5. Investkraft App:
    • Verified MCC: 4814 (Telecom), confirmed through RBL customer care.
    • However, a few days ago, they halted BBPS (Bharat Bill Payment System) services. I hope they fix this soon.

Issue with Investkraft​

After successfully making a payment through Investkraft, the app unexpectedly closed. While the amount was deducted from my account, the payment wasn’t received to cc. I contacted their customer care, who mentioned they currently do not provide this service, even though the payment went through. I have raised a complaint with RBL for a refund and am awaiting resolution.

I’ve created this thread to help others who might be trying to identify and get telecom-related MCC codes or similar solutions. Let’s collaborate and share insights to help each other.
 
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BHARTI AIRTEL LTD
BHARTI AIRTEL LTD GURGAON IN
SBIUNIPAYDBCard
Only these 3 comes written in Otp messages of Rbl Edc transactions of cc bill payments or utility bills too through Airtel & Unipay since many months.
Don't know about exact MCC but I got cashback all the time with them.
venuharry said:
@2025 @Saidanyan @kashishj add other if you think any one can help here

​

Click to expand...
 
Last edited:
Now Airtel has stopped cc payment via Debit card 🙁
Does anyone know any alternative for telecom MCC?
 
Last edited:
NOTE: *This is only for RBL Enterprise debit card Holders*

Hi I have finnally got Telecom Mcc code at the time of credit card bill payment in Phone Pay.
But there is a catch. And I don't have the solution till now. Different mcc code is coming each time.
I just got Telecom Mcc twice. Now they are giving different merchant name.
Initially I thought in lower value transaction,they are giving telecom mcc just like recharge.
But after 2 times,I am not getting the same mcc.
So hereby suggesting all to experiment.
After all it's a system. There must be a way to get this telecom mcc 4814


~#Copy Paste
 
nadher said:
NOTE: *This is only for RBL Enterprise debit card Holders*

Hi I have finnally got Telecom Mcc code at the time of credit card bill payment in Phone Pay.
But there is a catch. And I don't have the solution till now. Different mcc code is coming each time.
I just got Telecom Mcc twice. Now they are giving different merchant name.
Initially I thought in lower value transaction,they are giving telecom mcc just like recharge.
But after 2 times,I am not getting the same mcc.
So hereby suggesting all to experiment.
After all it's a system. There must be a way to get this telecom mcc 4814


~#Copy Paste
Click to expand...
Telecom MCC 4814 in PhonePe must be tied to some merchant NAME that shows on the payment gateway page. What is that merchant name?
 
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