---
title: Card declined due to MCC restrictions
description: Merchant Category Code related card declines
---

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# Card declined due to MCC restrictions

## Merchant Category Code related card declines

Merchant category codes (MCCs) are four-digit numbers that credit card issuers use to classify individual purchases according the type of merchant where they were made. The codes serve a variety of purposes, including the calculation and issuance of credit card rewards.

**  
Cards are being declined due to MCC restrictions**

Virtual Card from Travel companies such as Expedia, Booking and Agoda are set to MCC code 7011

**In the event that merchant's MCC is not set to 7011 , these virtual cards will be declined.**

-Merchant has to contact the travel booking companies (who issued the virtual cards) to change their Virtual Cards MCC to their company's current MCC code.

**In the event that merchant's MCC is set to 7011 but the virtual cards are being declined.**

-Merchant has to contact the travel booking companies to and make sure that Virtual Cards MCC code are set to 7011.

Spriggy Cards are being declined in Restaurant

**Spriggy MCC restriction. Refer to Section 10**

[https://cdn.prod.website-files.com/63689b727f282b6b044e06ef/666a99b95ba3fcb5006f2458_Spriggy-Product-Terms-and-Conditions--v2024-3--240613.pdf](https://cdn.prod.website-files.com/63689b727f282b6b044e06ef/666a99b95ba3fcb5006f2458_Spriggy-Product-Terms-and-Conditions--v2024-3--240613.pdf)

![](https://support.oolio.com/hs-fs/hubfs/undefined.jpeg?width=1000&height=461&name=undefined.jpeg)

In the event that restaurant MCC falls to 5813 which Bars & Taverns & Pubs & Nightclubs, Spriggy cards will be declined due to its MCC restrictions.

 

If the restaurant falls to 80% Café's, Restaurants, Cafeterias, we could request acquirer to change their MCC to 5812. Refer to list of sample MCC below.

![](https://support.oolio.com/hs-fs/hubfs/undefined.png?width=715&height=356&name=undefined.png)