> ## Documentation Index
> Fetch the complete documentation index at: https://docs.reap.global/llms.txt
> Use this file to discover all available pages before exploring further.

# Restricted MCCs

> Merchant Category Codes that the platform always declines.

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:

```json theme={null}
{
  "status": "DECLINED",
  "declineReason": {
    "code": "MERCHANT_CATEGORY_CODE_NOT_ALLOWED",
    "message": "This merchant category is not allowed on this card. Please use a different payment method."
  }
}
```

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

| MCC    | Description                     |
| ------ | ------------------------------- |
| `5542` | Automated Fuel Dispensers (AFD) |

<Note>
  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.
</Note>