Merchant Risk Solutions
MCC Detection
Merchant category codes play a pivotal role in managing payments risk. Save time and stay compliant with AI-powered MCC recommendations in 30 seconds.
Optimize How You Assign MCCs
Speed and accuracy are critical to an effective MCC assignment strategy at onboarding, and as part of ongoing monitoring. Miscoded MCCs can result in excess transaction fees, compliance issues, and potential penalties. LegitScript detects the correct merchant category code on demand, helping you stay ahead in risk management.
Increase Compliance
Stay compliant with card network and acquirer rules and regulatory standards with accurate MCC assignments.
Protect Revenue
Avoid losses due to incorrect fee structures and chargeback rates that arise from MCC misclassifications.
Mitigate Risk
Reduce exposure to fraud and regulatory penalties by understanding your merchants’ business types.
Improve Efficiency
Automate and streamline the process of detecting MCCs, freeing up resources for other priorities.
What Makes LegitScript MCC Detection Different?
Our approach combines cutting-edge crawling and AI technology with expert-vetted data, and is easy to implement, use, and train your teams on.
Speed Without Sacrificing Accuracy
We leverage rapid crawling technology and AI, trained on 15+ years of merchant risk data, to produce recommendations that make it easy to decide whether your team needs to manually review the merchant.
Flexible Setup Options
You have the option of using our secure API, CSV exchange, or portal user interface to submit MCC Detection requests and access results. The data required for each detection request is minimal, meaning no heavy lifting on your end.
Resources for You
Merchant Onboarding and Merchant Monitoring Fact Sheet
Merchant Onboarding
Fact Sheet
Merchant Monitoring
Fact Sheet
How Big of a Problem Is MCC Miscoding?
Industry experts estimate that transactions totaling
$36B
are processed via the wrong MCC each year.
Examples of commonly
misused MCCs include
5734 and miscellaneous
MCCs ending in 99.
How it Works
1
Submit
Send us the merchant ID, URL, and current MCC (optional) to start detecting.
2
Crawl
We crawl the merchant’s website in real time.
3
Evaluate
Our AI models assess the crawled content and produce a set of recommendations.
4
Report
Access the results to view the detected primary and alternative MCCs, recommendation explanation, confidence rating, and identified high-risk or mismatch flags.
5
Update
Turn the results into automated MCC updates for your portfolio or prioritized queues for your team’s easy review.
Our system allows you to check an MCC as often as you need, helping you meet and exceed review requirements and identify crucial changes to a merchant’s business.
Solution Brief
Learn more about LegitScript’s MCC Detection and how our approach puts you at the forefront of risk management.
Get Expert Guidance Tailored to Your Needs
Do you have questions or need assistance? Our team of experts are here to help. Fill out the form below, and a member of our solutions team will reach out to schedule time with you.
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