Assignment guidance
When MCC 4814 should be used
- For providers billing telephone and related communication services.
- For qualifying recurring, prepaid, local, or long-distance telecommunication service.
Telecommunications
MCC 4814
Telecommunication services
Providers of telephone and related communication services, including recurring or prepaid service.
Boundary guidance
When MCC 4814 should not be used
- For retailers primarily selling phones, electronics, or telecommunications equipment.
- For computer-network or information services that have 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 | Telecommunication Services, including Local and Long-Distance Calls, Credit Card Calls, Calls Through Use of Magnetic-Stripe-Reading Telephones, and Fax ServicesGlobal Visa merchant-data manual, April 2026, PDF page 56. | Different wording |
| Mastercard | Official | Telecommunication Services including but not limited to prepaid phone services and recurring phone servicesMastercard Merchant Edition reference, 16 April 2024, PDF page 65. | 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 56
- Mastercard Quick Reference Booklet - Merchant Edition16 April 2024 · official · PDF page 65
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.