API · /mcc-api

Merchant Category Codes API

healthy 3,078 Subscribers

ISO 18245 Merchant Category Codes (MCC) as an API — the 981 four-digit codes that Visa, Mastercard and other card networks use to classify a merchant's line of business. Look up any code (e.g. 5812 → Eating places and Restaurants, 5411 → Grocery Stores/Supermarkets, 3000 → United Airlines), search by description (e.g. "hotel", "airline", "pharmacy"), filter by IRS-reportable status, or list them all. Each record carries the network/edited description, USDA and IRS descriptions and whether the category is IRS 1099-reportable. Ideal for payments, fintech, expense management, fraud analysis and transaction enrichment.

api.oanor.com/mcc-api
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Machine-readable spec so AI agents can integrate this API.

/api/mcc-api/openapi.json
/api/mcc-api/llms.txt

Discovery: GET /api/index.json lists every API.

API health

healthy
Uptime
100.00%
Server probes · 24h
Avg latency
74 ms
Server probes · 24h
Subscribers
3,078
active
Total calls
220
last 7 days
status Full status page → · 220 probes/24h

Pricing

Pick a tier — billed monthly, cancel anytime.

Free

Free

  • 15,000 calls / month
  • 2 requests / second
  • Hard cap (429 above quota, no overage)
  • 15,000 calls/month
  • 2 req/sec
  • Lookup + search + list
  • No credit card
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Starter

€2.50 /month

  • 120,000 calls / month
  • 8 requests / second
  • Hard cap (429 above quota, no overage)
  • 120k calls/month
  • 8 req/sec
  • Description search
  • Email support
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Pro

€8.00 /month

  • 600,000 calls / month
  • 20 requests / second
  • Hard cap (429 above quota, no overage)
  • 600k calls/month
  • 20 req/sec
  • Transaction enrichment
  • Priority support
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Mega

€22.00 /month

  • 3,000,000 calls / month
  • 50 requests / second
  • Hard cap (429 above quota, no overage)
  • 3M calls/month
  • 50 req/sec
  • Payments platform
  • Dedicated SLA
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Built by

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api.oanor.com/mtg-api

Frequently asked questions

Quick answers about pricing, quotas, and integration.

How do I get an API key for Merchant Category Codes API?
Sign up for free at oanor.com, generate an API key from the developer dashboard, and call Merchant Category Codes API with the x-oanor-key header. No credit card needed for the free tier.
What's the rate limit for Merchant Category Codes API?
Free tier allows 1 request per second. Paid plans scale up to 50 requests per second on the Mega tier. Hard limits return HTTP 429 above the quota — no surprise overage charges.
How much does Merchant Category Codes API cost?
Merchant Category Codes API has a free tier with 100 calls / month. Paid plans start at €2.50 / month with higher quotas and faster rate limits.
Can I cancel my subscription anytime?
Yes. Plans are billed monthly and you can cancel anytime from your billing dashboard. No long-term contracts and no cancellation fee.
Is Merchant Category Codes API GDPR-compliant?
All requests to Merchant Category Codes API go through our EU-based gateway. Your upstream API key never leaves our server and no personal data is shared with the upstream provider beyond the request you send.

Pick an endpoint from the list on the left to see its details and try it.

Code snippets

Sign up to get an API key, then call any path under your slug.

curl https://api.oanor.com/mcc-api/SOME_PATH \
  -H "x-oanor-key: oanor_test_..."
const res = await fetch("https://api.oanor.com/mcc-api/SOME_PATH", {
  headers: { "x-oanor-key": "oanor_test_..." }
});
const data = await res.json();
$ch = curl_init("https://api.oanor.com/mcc-api/SOME_PATH");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_HTTPHEADER, ["x-oanor-key: oanor_test_..."]);
$response = curl_exec($ch);
import requests
r = requests.get(
    "https://api.oanor.com/mcc-api/SOME_PATH",
    headers={"x-oanor-key": "oanor_test_..."},
)
print(r.json())

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