Assignment guidance
When MCC 4111 should be used
- For scheduled local or suburban mass-passenger transportation.
- For commuter transport and ferry operators serving established local routes.
Transportation
MCC 4111
Local commuter transportation
Local and suburban passenger transport services, including commuter and ferry operators.
Boundary guidance
When MCC 4111 should not be used
- For taxis, limousines, ride-share services, or other unscheduled car-for-hire transport.
- For passenger railways, bus lines, or other operators with a more specific MCC.
Scheme comparison
Names and evidence status
Absence from public material is not treated as proof that a scheme does not use the MCC.
| Scheme | Evidence | Scheme wording | Comparison |
|---|---|---|---|
| Visa | Official | Local and Suburban Commuter Passenger Transportation, Including FerriesGlobal Visa merchant-data manual, April 2026, PDF page 53. | Different wording |
| Mastercard | Official | Transportation: Suburban and Local Commuter Passenger, including FerriesMastercard Merchant Edition reference, 16 April 2024, PDF page 55. | Different wording |
| American Express | Publicly not found | No current public definition locatedThe complete American Express Codes Reference Guide is not public. This is not evidence that the MCC is unsupported. | Not available |
| Discover / Diners Club | Publicly not found | No current public definition locatedNo complete current public Discover / Diners Club MCC catalogue was located. This is not evidence that the MCC is unsupported. | Not available |
| UnionPay | Not reviewed | No global definition reviewedThe official material reviewed so far is limited to EEA fee appendices and is not a global definition catalogue. | Not available |
Provenance
Sources reviewed
- Visa Merchant Data Standards ManualApril 2026 · global · official · PDF page 53
- Mastercard Quick Reference Booklet - Merchant Edition16 April 2024 · official · PDF page 55
SchemeLens descriptions and use boundaries are editorial summaries of the cited material. Final MCC assignment depends on the merchant's primary business, current scheme rules, region, programme, and acquirer requirements.