The platform enforces a list of Merchant Category Codes (MCCs) for which all card transactions are declined, regardless of card- or account-level configuration. These restrictions exist for scheme-compliance and risk reasons and cannot be overridden on a per-card or per-program basis.
When a transaction matches one of these MCCs, the decline is surfaced as:
The merchant MCC is also visible on the transaction itself under merchant.mccCode and merchant.mccCategory, so you can confirm which category triggered the decline.
Restricted categories
Most pay-at-the-pump fuel dispensers fall under MCC 5542. Inside-the-store fuel purchases (e.g. paying at the cashier inside a gas station) typically use MCC 5541 and are not restricted by this list.
