Assignment guidance
When MCC 4900 should be used
- For providers billing ongoing electric, gas, water, heating, or sanitary utility service.
- For the generation, distribution, or delivery of a qualifying utility to customers.
Utilities
MCC 4900
Utilities
Ongoing utility providers such as electric, gas, water, heating, or sanitary services.
Boundary guidance
When MCC 4900 should not be used
- For fuel stations, equipment retailers, repair services, or one-off construction work.
- For telecommunications, cable television, or other services with dedicated MCCs.
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 | Utilities - Electric, Gas, Water, and SanitaryGlobal Visa merchant-data manual, April 2026, PDF page 57. | Different wording |
| Mastercard | Official | Utilities: Electric, Gas, Heating Oil, Sanitary, WaterMastercard Merchant Edition reference, 16 April 2024, PDF page 68. | 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 57
- Mastercard Quick Reference Booklet - Merchant Edition16 April 2024 · official · PDF page 68
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.