Which merchant categories count as cash transfers for card payments?

This list applies to card payments — in-store and online. If you paid using a QR code, see Which transactions are affected? instead. QR payments are classified using a different list.

For card payments, we check the merchant category code assigned to the merchant by the payment network. If the merchant falls into one of the categories below, a cash transfer fee applies.

• 4829 — Money transfers and wire transfers

• 5933 — Pawnshops

• 6010 — Cash withdrawals through a bank teller

• 6011 — ATM cash withdrawals

• 6012 — Purchases and bill payments at a financial institution

• 6050 — Cash-equivalent purchases at a bank

• 6051 — Cash-equivalent purchases at a non-bank provider

• 6211 — Stockbrokers and investment dealers

• 6530 — Payment service providers

• 6531 — Merchant payment services

• 6532 — Money transfers through a bank

• 6533 — Merchant fund transfers

• 6534 — Money transfer funding

• 6535 — Peer-to-peer money transfer funding

• 6536 — Money transfers within the Philippines

• 6537 — Money transfers to other countries

• 6538 — Funding for money transfers

• 6540 — Adding funds to a digital wallet or prepaid card

• 6760 — Savings bonds

• 7800 — Government lotteries

• 7801 — Licensed online casinos

• 7802 — Licensed horse and dog racing

• 7995 — Betting and gaming, including lottery tickets and casino chips

• 8651 — Political organizations and contributions

• 9406 — Government lotteries

• 9754 — Gambling, including horse racing, dog racing, and state lotteries

Payment networks can update these categories at any time. The fee amount, if one applies, is always shown in your transaction details — you don't need to check this list to confirm whether you were charged.