MCC Mapping

MCC Mapping API Category

Overview

The MCC Mapping API category provides powerful tools for automatically mapping Merchant Category Codes (MCCs) from either HSN (Harmonized System of Nomenclature) codes or GSTIN (Goods and Services Tax Identification Number). These APIs enable businesses to accurately classify merchants according to international standards, streamlining payment processing, regulatory compliance, and business analytics. By leveraging advanced mapping algorithms, these APIs deliver precise MCC classifications with confidence scores and detailed justifications.

Category Details

Parent Category: Root
Child Categories: None
APIs in this category: HSN To MCC, GSTIN To MCC

Key Capabilities

Main Functionality

The MCC Mapping APIs automatically translate HSN codes or GSTIN information into standardized Merchant Category Codes, providing a reliable classification system for merchant activities across different industries and sectors.

Accurate MCC Classification

Precisely maps HSN codes or GSTIN information to the appropriate four-digit MCC, ensuring merchants are correctly categorized according to international payment network standards.

Confidence Scoring

Provides confidence levels for each mapping, allowing businesses to understand the reliability of the classification and make informed decisions based on the certainty of the match.

Detailed Justification

Delivers comprehensive explanations for each mapping, offering transparency into the classification logic and supporting documentation requirements for compliance purposes.

Common Use Cases

Financial Services

Payment Processing

Compliance & Reporting

Automating merchant onboarding by accurately determining the appropriate MCC for new businesses

Ensuring proper risk assessment by correctly classifying merchant activities

Streamlining transaction monitoring by maintaining consistent merchant categorization

Integration Considerations

Best Practices

Cache frequently used mappings to improve performance and reduce API calls

Implement error handling for cases where codes cannot be mapped with high confidence

Consider using both HSN and GSTIN mapping APIs in tandem for cross-validation when both inputs are available

Review confidence scores and justifications to validate critical classifications manually when necessary

Important Limitations

MCC mapping accuracy depends on the quality and specificity of the input HSN or GSTIN data

Some business activities may span multiple categories, potentially resulting in lower confidence scores

Newly introduced HSN codes or recently registered GSTINs may have limited historical mapping data

The APIs provide mapping suggestions but final MCC assignment responsibility remains with the implementing organization

How APIs in this Category Work Together

The HSN To MCC and GSTIN To MCC APIs complement each other by providing different entry points for merchant classification, allowing businesses to leverage the most readily available data for accurate MCC determination.

Key Integration Patterns:

HSN To MCC + GSTIN To MCC: Cross-validate MCC classifications by comparing results from both product/service codes and business registration data

GSTIN To MCC → HSN To MCC: Extract HSN codes from GSTIN registration details and then use those codes for more granular classification

HSN To MCC → GSTIN To MCC: Verify initial product-based classification against the broader business registration information

For a comprehensive merchant onboarding workflow, organizations can first use the GSTIN To MCC API to obtain a baseline classification based on the merchant's registered business activities. This can then be refined by using the HSN To MCC API with specific product codes the merchant will be processing, resulting in a more precise classification that considers both the merchant's registered business type and actual product offerings.

The MCC Mapping category serves as a foundational component for various merchant management and payment processing workflows, connecting directly with several other API categories that rely on accurate merchant classification.

Related Categories include:

Merchant Onboarding: Uses MCC mapping to automate and standardize the classification of new merchants during the registration process

Transaction Processing: Leverages MCC codes to determine appropriate fee structures, routing rules, and processing requirements

Compliance & Reporting: Utilizes MCC classifications to fulfill regulatory requirements and generate standardized reports

Risk Management: Incorporates MCC information to assess merchant risk profiles and apply appropriate monitoring controls

The MCC Mapping APIs often serve as early steps in larger workflows that span multiple categories. For example, during merchant onboarding, the MCC determination feeds directly into risk assessment, fee structure assignment, and compliance documentation requirements. Similarly, for existing merchants, MCC verification can trigger updates across transaction processing rules, reporting templates, and monitoring thresholds.

Overview#

Key Capabilities#

Common Use Cases#

Integration Considerations#

How APIs in this Category Work Together#

Related Categories#

Overview

Key Capabilities

Common Use Cases

Integration Considerations

How APIs in this Category Work Together

Related Categories