> ## Documentation Index
> Fetch the complete documentation index at: https://docs.parcha.ai/llms.txt
> Use this file to discover all available pages before exploring further.
# MCC Code Check
> Classify businesses with Merchant Category Codes (MCC) based on their activities and web presence
The MCC Code Check (`kyb.mcc_code_check_v3`) analyzes a business's online presence, products, and services to determine the most appropriate Merchant Category Code (MCC) for payment processing and risk assessment.
## Overview
Merchant Category Codes (MCCs) are four-digit numbers used by credit card networks to classify businesses. This check:
* Analyzes business description and stated activities
* Reviews website content and web presence data
* Identifies products and services offered
* Cross-references against the official MCC code database
* Provides alternative MCC candidates with reasoning
## Check ID
```
kyb.mcc_code_check_v3
```
## Response Schema
The check result payload uses the `MCCCodeCheckResultV2` schema:
### Primary Fields
Always `"MCCCodeCheckResultV2"` - identifies the payload type.
The determined 4-digit Merchant Category Code.
**Example**: `"7372"`
The official title for the MCC code.
**Example**: `"Computer Programming Services"`
Full description of what businesses typically fall under this MCC code.
**Example**: `"Merchants classified with this MCC provide computer programming services, systems design, website design, data entry, and data processing services."`
Optional sub-category for more specific classification (used when customer-specific MCC mappings are configured).
**Example**: `"Butcher Shop"`
Reference ID for the data source that supported this MCC determination.
### Candidate MCC Codes
List of alternative MCC codes that were considered, with reasoning.
The 4-digit MCC code.
**Example**: `7372`
The official title for this MCC code.
**Example**: `"Computer Programming Services"`
Brief explanation of why this MCC was considered a candidate.
**Example**: `"Primary match - Business develops AI-powered software solutions involving computer programming, systems design, and data processing services."`
Reference ID for the data source supporting this candidate.
**Example**: `"owfzyz"`
## Example Response
The check result includes a wrapper with metadata and the `payload` containing the MCC classification:
```json theme={null}
{
"command_id": "kyb.mcc_code_check_v3",
"command_name": "MCC Code Check",
"status": "complete",
"passed": true,
"recommendation": "7372",
"explanation": "The analysis determined MCC 7372 (Computer Programming Services) as the most accurate classification based on the business's primary activities in software development and data processing...",
"payload": {
"type": "MCCCodeCheckResultV2",
"mcc_code": "7372",
"mcc_title": "Computer Programming Services",
"mcc_code_description": "Merchants classified with this MCC provide computer programming services, systems design, website design, data entry, and data processing services.",
"candidate_mcc_codes": [
{
"code": 7372,
"title": "Computer Programming Services",
"short_reason": "Primary match - Business develops AI-powered software solutions involving computer programming, systems design, and data processing services.",
"source_id": "owfzyz"
},
{
"code": 7379,
"title": "Computer Related Services",
"short_reason": "Secondary consideration - Could apply for consulting aspects but less specific than 7372 for their software development focus.",
"source_id": "schjuw"
}
],
"sub_mcc_category": null,
"source_id": "owfzyz"
},
"alerts": {}
}
```
## Extracting MCC Data with JSONPath
Use the `jsonpath_query` parameter with `getJobById` to extract specific MCC check data.
### Get Full MCC Check Result
```bash theme={null}
curl -X GET 'https://api.parcha.ai/api/v1/getJobById?job_id=YOUR_JOB_ID&include_check_results=true&jsonpath_query=$.check_results[?(@.command_id=="kyb.mcc_code_check_v3")]' \
-H 'Authorization: Bearer YOUR_API_KEY'
```
### Get Just the MCC Code Payload
```bash theme={null}
curl -X GET 'https://api.parcha.ai/api/v1/getJobById?job_id=YOUR_JOB_ID&include_check_results=true&jsonpath_query=$.check_results[?(@.command_id=="kyb.mcc_code_check_v3")].payload' \
-H 'Authorization: Bearer YOUR_API_KEY'
```
**Example Response:**
```json theme={null}
[
{
"type": "MCCCodeCheckResultV2",
"mcc_code": "7372",
"mcc_title": "Computer Programming Services",
"mcc_code_description": "Merchants classified with this MCC provide computer programming services...",
"candidate_mcc_codes": [...],
"sub_mcc_category": null,
"source_id": "web_profile_1"
}
]
```
### Get MCC Code Only
```bash theme={null}
curl -X GET 'https://api.parcha.ai/api/v1/getJobById?job_id=YOUR_JOB_ID&include_check_results=true&jsonpath_query=$.check_results[?(@.command_id=="kyb.mcc_code_check_v3")].payload.mcc_code' \
-H 'Authorization: Bearer YOUR_API_KEY'
```
**Example Response:**
```json theme={null}
["7372"]
```
### Get All Candidate MCC Codes
```bash theme={null}
curl -X GET 'https://api.parcha.ai/api/v1/getJobById?job_id=YOUR_JOB_ID&include_check_results=true&jsonpath_query=$.check_results[?(@.command_id=="kyb.mcc_code_check_v3")].payload.candidate_mcc_codes[*]' \
-H 'Authorization: Bearer YOUR_API_KEY'
```
### Python Example
```python theme={null}
import requests
from urllib.parse import quote
api_key = 'YOUR_API_KEY'
job_id = 'YOUR_JOB_ID'
# Get MCC code payload using JSONPath
jsonpath_query = '$.check_results[?(@.command_id=="kyb.mcc_code_check_v3")].payload'
url = f'https://api.parcha.ai/api/v1/getJobById?job_id={job_id}&include_check_results=true&jsonpath_query={quote(jsonpath_query)}'
headers = {'Authorization': f'Bearer {api_key}'}
response = requests.get(url, headers=headers)
mcc_result = response.json()
if mcc_result:
payload = mcc_result[0]
print(f"MCC Code: {payload['mcc_code']}")
print(f"Title: {payload['mcc_title']}")
print(f"Description: {payload['mcc_code_description']}")
```
## Running the Check
### Using startKYBAgentJob
```bash theme={null}
curl -X POST 'https://api.parcha.ai/api/v1/startKYBAgentJob' \
-H 'Authorization: Bearer YOUR_API_KEY' \
-H 'Content-Type: application/json' \
-d '{
"agent_key": "public-bdd",
"kyb_schema": {
"id": "mcc-check-001",
"self_attested_data": {
"business_name": "CloudTech Solutions",
"description": "We provide cloud-based software solutions for small businesses, including accounting software, CRM tools, and project management platforms delivered as SaaS",
"website": "https://cloudtech.example",
"industry": "Software as a Service"
}
}
}'
```
### Using runCheck (Single Check)
```bash theme={null}
curl -X POST 'https://api.parcha.ai/api/v1/runCheck' \
-H 'Authorization: Bearer YOUR_API_KEY' \
-H 'Content-Type: application/json' \
-d '{
"agent_key": "your-agent-key",
"kyb_schema": {
"id": "unique-case-id",
"self_attested_data": {
"business_name": "TechInnovate Solutions",
"description": "Providing cutting-edge software solutions for businesses",
"website": "https://techinnovatesolutions.com"
}
},
"check_id": "kyb.mcc_code_check_v3",
"webhook_url": "https://your-webhook-url.com/callback"
}'
```
## Input Parameters
The check uses the following input fields:
The legal or operating name of the business.
A detailed description of the business's activities, products, and services. More detail leads to more accurate MCC classification.
The primary business activity or use case. This field takes priority when determining the MCC code.
The official website URL. The check will analyze website content for additional context.
Self-attested industry or business category.
Self-attested MCC code to verify. If provided, the check will compare against the determined MCC and note any discrepancies.
## Common MCC Codes
| Code | Title | Description |
| ---- | -------------------------------------------------------------------- | -------------------------------------------------------- |
| 7372 | Computer Programming Services | Custom software development, web design, data processing |
| 7371 | Computer Programming, Data Processing, and Integrated Systems Design | Systems integration, data processing services |
| 7379 | Computer Maintenance, Repair and Services | IT consulting, maintenance, support services |
| 5734 | Computer Software Stores | Software retail, SaaS products |
| 5999 | Miscellaneous and Specialty Retail Stores | General e-commerce, online retail |
| 7311 | Advertising Agencies | Digital marketing, advertising services |
| 5812 | Eating Places and Restaurants | Restaurants, food service |
| 5411 | Grocery Stores, Supermarkets | Food retail |
## High-Risk MCC Codes
The following MCC codes are flagged as high-risk by default (configurable per agent):
| Code | Title | Risk Factors |
| ---- | --------------------------------------- | --------------------------------------------- |
| 7995 | Gambling/Casino Services | Regulatory requirements, high chargeback risk |
| 5993 | Tobacco Stores and Stands | Age restrictions, regulatory compliance |
| 5963 | Door-To-Door Sales | High fraud and chargeback rates |
| 4829 | Money Transfer Services | MSB licensing, AML requirements |
| 6211 | Securities Brokers/Dealers | Financial services licensing |
| 6051 | Non-Financial Institutions | Money services, currency exchange |
| 6012 | Financial Institutions | Regulatory compliance, licensing |
| 6540 | POI Funding Transactions | Prepaid card funding, AML concerns |
| 7273 | Dating and Escort Services | Content policies, fraud risk |
| 5967 | Direct Marketing - Inbound Teleservices | High chargeback risk |
## Check Outcomes
### Pass Conditions
The check passes when:
* Sufficient verification data is available to determine an MCC
* A reasonable MCC classification can be made with confidence
### Fail Conditions
The check fails when:
* No verification data or search results are available
* The data is too vague or limited to determine an MCC with confidence
MCC discrepancies between self-attested and determined codes do **not** cause the check to fail. Discrepancies are reported as alerts while the check still passes with the determined MCC.
## Related Checks
* [High Risk Industry Check](/checks/high-risk-industry-check) - Identify prohibited or restricted industries
* [Basic Business Profile Check](/checks/basic-business-profile-check) - Verify business profile information
* [Web Presence Check](/checks/web-presence-check) - Analyze online presence and website data