MCC check before payment

[harsha1]

Is there any app available for checking QR code linked MCC, so we can get merchant category and then pay accordingly via credit card for maximum benefits.

Thanks.

 

[FinoGuy]

You can also do a transaction while disabling card usage. Your transaction will fail but you can call customer care and ask mcc.

Which all banks did you try with this method? Won't it be 0000 mcc as the txn is not settled?

 

[snake]

How would you check that for QR code transaction? Neither internet nor bank website will have that information rather you have to call bank and ask for that specific transaction.

UPI payments on credit card are not affected by MCCs as I believe because there's no surcharge on fuel either.

 

[samm255]

UPI payments on credit card are not affected by MCCs as I believe because there's no surcharge on fuel either.

We are talking about getting to know about MCCs so we can use other card based on that MCC to get rewards. We are not talking about UPI payments on credit card.

 

[snake]

We are talking about getting to know about MCCs so we can use other card based on that MCC to get rewards. We are not talking about UPI payments on credit card.

How do you pay on a qr code with physical credit card?

 

[MrJJ]

UPI payments on credit card are not affected by MCCs as I believe because there's no surcharge on fuel either.

Some banks add surcharge on UPI CC too. I can guarantee for Kotak.

 

[samm255]

How do you pay on a qr code with physical credit card?

You don't. Again we are talking about getting to know about MCCs.

 

[snake]

You don't. Again we are talking about getting to know about MCCs.

You asked how to know MCC for a QR code transaction. Clarify it.

 

[snake]

Some banks add surcharge on UPI CC too. I can guarantee for Kotak.

Never heard surcharge on UPI before but yes wallet loading attracts some processing fee.

 

[VladimirPumpkin]

Never ca

Never called them
But I did mailed them ,even to the level 2 support but they denied stating the bank policies

Ofcourse, the only method left is to email the PNO.

With bright highlighted words, 'I tried and this was the result, are you up for a challenge?'

 

[snake]

I did the same once in axis. The idiot in the other side was not aware of mcc. I explained him what is mcc and where he can look for mcc in his system. Then he found out mcc. Then he was asking for what purpose you need mcc(like interrogation). at the end he told mcc. I gave the conversation 1star and wrote feedback as 'please don't hire bachhas who hv no knowledge about their own banking system'
One of many 'evergreen' memories with axis.

MCCs are issued by payment instruments/providers like VISA, Mastercard or RuPay etc. Banks have no control over them, however these are available on internet and bank websites also.