DEFINITION
MCC 7338: Quick Copy, Reproduction and Blueprinting Services
MCC Database / 7338: Quick Copy, Reproduction and Blueprinting Services
Every merchant is assigned a merchant category code (MCC) — a four-digit number used by card networks to classify the primary business activity. MCCs determine how transactions are processed, how fees are structured, and how risk is assessed.
Let’s take a closer look at MCC 7338.
What is MCC 7338?
MCC 7338 is assigned to merchants that offer quick-copy, blueprinting, and document reproduction services. The following are examples of businesses that might be classified with this MCC:
- Websites that enable customers to upload files and order prints, binding, or other print-related services
- Companies that allow users to upload digital CAD files and ship out blueprints, maps, or engineering drawings
- Businesses that help customers make personalized letterheads, notepads, carbon-copy forms, invoices, etc.
Is MCC 7338 considered high risk?
Card-present or in-person businesses with MCC 7338 are typically classified as low risk because copy and printing services generally have low fraud and chargeback rates.
However, risk can rise if sales occur entirely online (mail-order copies, for example) because there is no in-person verification.
If orders are high-volume, high-value, or made online, processors or acquirers might require additional KYC or transaction monitoring to manage elevated risk.
Does MCC 7273 require a license?
Compliance for MCC 7338 is minimal. Most copy shops operate under regular retail permits without specialized licensing requirements. Standard obligations include:
- General business licensing
- Data privacy practices only if handling sensitive or personal documents
Does MCC 7338 have special fees or pricing?
No specific rates apply to MCC 7338 beyond standard merchant processing fees. However, pricing factors include:
- Card-present vs. card-not-present: Face-to-face orders — such as in-store pickups — usually offer lower fees.
- High order volume or average ticket size: These may prompt processors or acquirers to apply account reserves or higher fee tiers.
- Chargeback patterns: Consistent disputes could lead to higher processing costs over time.
Can I have multiple MCCs if I offer multiple services?
Yes — if services are truly separate:
- Multiple business lines (e.g., a copy shop and a graphic design studio) — each with its own brand, location, or merchant account — can carry distinct MCCs.
- If services share a single account, MCC 7338 should reflect your primary business activity — document reproduction.
What are some similar MCCs?
If your services overlap with other personal or online services, you might be compared to these MCCs:
Correct MCC assignment ensures accurate fee structure and risk handling.
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FREQUENTLY ASKED QUESTIONS
What else do I need to know about MCCs?
Are MCCs the same across all card networks and acquirers?
For the most part, MCCs follow standard definitions across networks, but assignment can vary slightly by processor or acquirer interpretation.
Who decides my MCC?
Your acquiring bank or payment processor assigns a code during the merchant account onboarding process. It reflects your primary business activity.
How do I know what my MCC is?
Check your VAR sheet, processing agreement, or payment platform. If you can’t locate it, ask your acquirer, processor, or solution provider for help.
Does my MCC affect my interchange rate?
Absolutely. MCCs define risk profiles and fee categories — including interchange. Correct classification ensures appropriate pricing.
Can my MCC affect my ability to process payments?
Yes. Processors may restrict or adjust terms based on MCC classification and associated risk.
How often can my MCC change?
Your MCC won’t change unless your business model changes. If necessary, you can request reassignment with proper supporting documentation.
What happens if I’m misclassified with the wrong MCC?
Misclassification can lead to higher fees or processing limitations, so it’s important to be classified correctly. If needed, you can challenge your MCC using evidence of your business operations.
For more than a decade, Jessica Velasco has been a thought leader in the payments industry. She aims to provide readers with valuable, easy-to-understand resources.
