MCC 7399¶
Description: Business Services, Not Elsewhere Classified
Public Reference Merchants¶
| Merchant | Source |
|---|---|
| AIA Insurance | Non-official reference (db) |
| AIA Singapore - Card Up | Non-official reference (ai suggested) |
| Air France KLM Miles Purchase | Non-official reference (db) |
| Allianz | Non-official reference (db) |
| Amazon | Non-official reference (db) |
| American Club | Non-official reference (visa) |
| August Bespoke | Non-official reference (visa) |
| Avianca Miles Purchase | Non-official reference (db) |
| AXS | Non-official reference (db) |
| Bakery Cuisine | Non-official reference (ai suggested) |
| Cabcharge Asia | Non-official reference (visa) |
| CardUp | Non-official reference (db) |
| Casa And Maison | Non-official reference (db) |
| CHIFA | Non-official reference (chope) |
| China Taiping | Non-official reference (visa) |
| Chinatown Heritage Centre | Non-official reference (public) |
| Christopher Che | Non-official reference (visa) |
| Clearvision Ey | Non-official reference (visa) |
| DBS | Non-official reference (db) |
| Dragonfly Bar | Non-official reference (chope) |
| elemen (Millenia Walk) | Non-official reference (chope) |
| Etihad Guest Miles Purchase | Non-official reference (db) |
| Etiqa Insurance | Non-official reference (db) |
| Fave | Non-official reference (db) |
| Geneco | Non-official reference (db) |
| Google Cloud | Non-official reference (ai suggested) |
| Google Wallet | Non-official reference (visa) |
| Grab | Non-official reference (db) |
| Great Eastern - Card Up | Non-official reference (ai suggested) |
| Health | Non-official reference (visa) |
| Hello Tickets | Non-official reference (public) |
| Hilton Honors Points Purchase | Non-official reference (db) |
| Hsbc | Non-official reference (visa) |
| IHG - Points.com | Non-official reference (public) |
| IHG Miles Purchase | Non-official reference (db) |
| Inland Revenue Authority of Singapore | Non-official reference (db) |
| IPayMy | Non-official reference (db) |
| JetBlue TrueBlue Miles Purchase | Non-official reference (db) |
| JR Vending | Non-official reference (ai suggested) |
| Keppel Electric | Non-official reference (db) |
| Lazada | Non-official reference (db) |
| Long Black Cafe | Non-official reference (chope) |
| Lorna Whiston Schools | Non-official reference (visa) |
| Louis | Non-official reference (visa) |
| Lufthansa Miles & More Points Purchase | Non-official reference (db) |
| Luna | Non-official reference (visa) |
| Mandai Wildlife Reserve | Non-official reference (db) |
| Mankind Media Pte. Ltd. | Non-official reference (visa) |
| Manulife | Non-official reference (db) |
| Marriott Bonvoy Points Purchase | Non-official reference (db) |
| Melia Miles Purchase | Non-official reference (db) |
| Microsoft Corporation | Non-official reference (visa) |
| Mitsubishi Hc C | Non-official reference (visa) |
| Mushin Movement | Non-official reference (visa) |
| NTUC Income | Non-official reference (ai suggested) |
| Ocbc | Non-official reference (visa) |
| Osome | Non-official reference (visa) |
| PacificLight | Non-official reference (db) |
| Parkway East Hospital | Non-official reference (db) |
| Playfacto | Non-official reference (visa) |
| Points.com | Non-official reference (db) |
| Prudential | Non-official reference (ai suggested) |
| Prudential - Card Up | Non-official reference (ai suggested) |
| Quandoo Singapo | Non-official reference (visa) |
| Remote | Non-official reference (db) |
| Ricciotti (Riverwalk) | Non-official reference (chope) |
| Senoko Energy | Non-official reference (db) |
| Sg Tuition | Non-official reference (visa) |
| Singapore Heart Foundation | Non-official reference (ai suggested) |
| Singlife | Non-official reference (visa) |
| SingPost | Non-official reference (db) |
| Sol & Ora (Sentosa) | Non-official reference (chope) |
| SouthWest Miles Purchase | Non-official reference (db) |
| Sp Wing Joo Loong | Non-official reference (visa) |
| Spirit Points Purchase | Non-official reference (db) |
| Stamford Tyres | Non-official reference (visa) |
| Standard Chartered | Non-official reference (db) |
| The Other Me | Non-official reference (visa) |
| The Urbanfindr | Non-official reference (visa) |
| Tokio Marine | Non-official reference (db) |
| United Mileage Plus Miles Purchase | Non-official reference (db) |
| UOB | Non-official reference (db) |
| World Of Hyatt Points Purchase | Non-official reference (db) |
| Worldpay | Non-official reference (visa) |
Street Truth / User-Reported Exceptions¶
WeChat Pay via WeChat Pay: MCC 5399, 5411, 5812, 7299, 7399 (exception, user verified, risk: low)¶
User reported that weChat Pay transactions linked to international cards like Revolut typically code under MCC 5399, 5411, 5812, 7399, or 7299.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | WeChat Pay |
| Card | Revolut |
| Route | WeChat Pay |
| MCC | 5399, 5411, 5812, 7399, 7299 |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T14:33:26+00:00 |
| Observed result | WeChat Pay uses specific MCCs like 5399, 5411, 5812, 7399, 7299, but transport apps like DiDi may differ |
| Caveat | Transport services like DiDi or Metro may code under different MCCs |
Points.com: MCC 7399 (exception, user verified, risk: low)¶
User reported that the Chocolate Visa Card classifies MCC 7399 (Points.com) as a bill payment, capping earnings at 100 Max Miles per month.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Points.com |
| Card | Chocolate Visa Card |
| MCC | 7399 |
| Programme | HeyMax |
| Programme type | other |
| Points currency | Max Miles |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T04:14:24+00:00 |
| Observed result | Classified as bill payment with a 100 Max Miles monthly cap |
Cat Cafe Mocha Lounge Shinjuku: MCC 7399 (exception, user verified, risk: medium)¶
User reported that cat Cafe Mocha Lounge Shinjuku codes as MCC 7399 (Business Services Not Elsewhere Classified).
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Cat Cafe Mocha Lounge Shinjuku |
| MCC | 7399 |
| Devaluation risk | low |
| Last verified | 2026-04-08T11:20:54+00:00 |
| Last seen | 2026-04-08T11:20:54+00:00 |
| Observed result | Transaction coded as MCC 7399. |
| Public/official layer | Cafes typically code under dining MCCs like 5812 or 5814. |
| Caveat | MCC 7399 is typically excluded from rewards by most banks. |
Town Council via AXS: MCC 7399 (exception, user verified, risk: low)¶
User reported that paying Town Council bills via AXS coded as MCC 7399 instead of a Government Services MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Town Council |
| Route | AXS |
| MCC | 7399 |
| Devaluation risk | low |
| Last verified | 2026-04-07T13:48:18+00:00 |
| Last seen | 2026-04-07T13:48:18+00:00 |
| Observed result | Transaction coded as MCC 7399. |
| Public/official layer | Town Council payments typically code under Government Services (MCC 9399). |
| Caveat | User phrasing 'axs simplygo' is slightly ambiguous, but explicitly noted the MCC as 7399 instead of expected government services. |
Family Mart Taiwan: MCC 7399 (exception, user verified, risk: low)¶
User reported that family Mart in Taiwan codes as MCC 7399 (Business Services Not Elsewhere Classified) instead of a standard convenience store MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Family Mart Taiwan |
| MCC | 7399 |
| Devaluation risk | low |
| Last verified | 2026-03-26T14:25:18+00:00 |
| Last seen | 2026-03-26T14:25:18+00:00 |
| Observed result | Coded as MCC 7399. |
| Public/official layer | Convenience stores typically code under MCC 5499. |
FamilyMart Taiwan: MCC 7399 (exception, user verified, risk: low)¶
User reported that familyMart in Taiwan codes as MCC 7399 (Business Services) instead of a typical convenience store MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | FamilyMart Taiwan |
| MCC | 7399 |
| Devaluation risk | low |
| Last verified | 2026-03-26T14:25:18+00:00 |
| Last seen | 2026-03-26T14:25:18+00:00 |
| Observed result | Codes as MCC 7399 |
| Public/official layer | Convenience stores typically code as MCC 5499 |
CardUp via CardUp: MCC 7399 (exception, user verified, risk: low)¶
User reported that cardUp transactions (which code as MCC 7399) for car loans successfully earn cashback on the Maybank Platinum Visa Card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | CardUp |
| Card | Maybank Platinum Visa |
| Route | CardUp |
| MCC | 7399 |
| Programme | Maybank TREATS |
| Programme type | other |
| Points currency | cashback |
| Miles / points | 3.33% cashback |
| Fees / surcharges | CardUp fee applies (e.g., 1.73% promo fee) |
| Devaluation risk | low |
| Last verified | 2024-11-01 |
| Last seen | 2024-11-01T02:04:03+00:00 |
| Observed result | User received cashback on Maybank Platinum Visa for CardUp car loan payments. |
| Caveat | Verified specifically for car loan payments; mortgage payments were not explicitly confirmed by the user. |
Zenith Tuition via CardUp: MCC 7399 (exception, risk: low)¶
User reported that zenith tuition payments processed via CardUp are billed directly under the merchant name 'Zenith' (MCC 7399) rather than 'CardUp', allowing specialized 4mpd cards to earn rewards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Zenith Tuition |
| Card | UOB Preferred Platinum Visa / HSBC Visa Signature / Citi Rewards |
| Route | CardUp |
| MCC | 7399 |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4 mpd |
| Fees / surcharges | 1.75% to 1.95% CardUp admin fee |
| Sweet spot | yes |
| Devaluation risk | medium |
| Last verified | 2026-03-21 |
| Last seen | 2026-03-21T10:51:41+00:00 |
| Observed result | The transaction is billed directly as Zenith (MCC 7399), bypassing the standard CardUp exclusions. |
| Public/official layer | CardUp payments are generally excluded from 4mpd specialized spending categories. |
| Caveat | This relies on CardUp's direct-billing integration for specific merchants where the transaction is not masked as CardUp. |