Enhancing Merchant Category Code (MCC) Classification for Mobility Payments: Analysis of Existing MCC Ranges for New Mobility MCCs

Publication Date: September 2025

As mobility services expand beyond traditional public transit, accurate Merchant Category Codes (MCCs) are critical for transaction clarity, reporting, rewards, and subsidy programs.

This U.S. Payments Forum white paper analyzes gaps and opportunities in MCC classification for micromobility, public transportation, carsharing, ridesharing, EV charging, and parking. It highlights how inconsistent MCC use impacts the payments ecosystem and proposes strategies to improve data accuracy and support sustainable mobility initiatives.

Inside, you’ll learn:

• Why emerging mobility modes often lack appropriate MCCs
• How inconsistent classifications affect rewards, fraud prevention, and government incentives
• Opportunities to introduce new MCCs and improve use of existing codes
• Approaches to enrich transaction data for greater transparency

This resource is designed for stakeholders across payments, transit, and mobility seeking to improve precision and consistency in payment data as new transportation models evolve.

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