Assignment guidance
When MCC 4829 should be used
- When the merchant's primary business matches Money Transfer under the applicable scheme rules.
- After confirming the current scheme, region, programme, and acquirer requirements.
Utilities and telecommunications
MCC 4829
Money Transfer
Merchant category for Money Transfer, listed in the cited Visa and Mastercard material. See the code page for scheme-specific wording and evidence status.
Boundary guidance
When MCC 4829 should not be used
- When another, more specific MCC better describes the merchant's primary business.
- Based on the code title alone without checking current scheme and regional requirements.
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 | Money TransferGlobal Visa merchant-data manual, April 2026, PDF page 56. | Aligned wording |
| Mastercard | Official | Money TransferMastercard Merchant Edition reference, 16 April 2024, PDF page 67. | Aligned 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 67
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.