DEFINITION
MCC Database / 7372: Computer Programming, Systems Design or Data Processing 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 7372.
What is MCC 7372?
MCC 7372 applies to merchants offering computer programming, systems design, integrated system development, or data processing services. This includes custom software development, IT consulting, website creation, database management, data entry, and related IT services.
Is MCC 7372 considered high risk?
Not necessarily. MCC 7372 is usually classified as low to medium risk. Fraud and chargeback rates are typically lower for B2B or software services, but risk can increase when services are sold online or billed irregularly. Some processors or acquirers may request additional documentation or proof of service delivery to reduce uncertainty.
Does MCC 7372 require a license?
Compliance requirements are minimal but important:
- Contractual clarity: Deliverables and payment terms should be clearly defined.
- Data privacy: Handling client data may require adherence to standards like GDPR, CCPA, or relevant cybersecurity practices.
- Certifications: Some clients may require evidence of standards like ISO 27001 or SOC 2.
Does MCC 7372 have special fees or pricing?
Typically, MCC 7372 products are subject to standard B2B service interchange rates. Relevant fee factors include:
- Card-not-present billing for remote or online services.
- High-ticket invoices may trigger account reserves or manual review.
- Recurring billing contracts could require additional fraud controls.
Can I have multiple MCCs if I offer multiple services?
Yes, if your businesses are truly distinct. Separate brands, merchant accounts, or operations justify individual MCCs.
If you run custom development and run a retail software store within one account, MCC 7372 should reflect your primary offering.
What are some similar MCCs?
Related merchant categories include:
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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 are the same for all card networks. However, MCC assignment may vary slightly from acquirer to acquirer.
Who decides my MCC?
Your acquiring bank or payment processor assigns your MCC during your merchant account onboarding. Your MCC should reflect your core business activity.
How do I know what my MCC is?
Your MCC is probably listed on your VAR sheet, on your processing agreement, or in your payment platform. If you can’t find it or need clarity on why a particular MCC was chosen, speak with your acquirer, processor, or solution provider.
Does my MCC affect my interchange rate?
Yes, it can. MCCs influence fee tiers and fraud risk classifications — including interchange rates.
Can my MCC affect my ability to process payments?
Processors and acquirers may decline or restrict services for certain MCC classifications. If you have a high-risk MCC, you may want to audit your fraud and chargeback strategy. Reducing risk may help improve your reputation.
How often can my MCC change?
Your MCC will only change if your business model shifts. If your current MCC is no longer relevant, reach out to your acquirer, processor, or solution provider to request a change.
What happens if I’m misclassified with the wrong MCC?
Misclassification may lead to incorrect fees or delays, so it’s important to make sure your MCC is accurate. If necessary, you can challenge your MCC assignment using evidence like invoices and service descriptions.
