> ## Documentation Index > Fetch the complete documentation index at: https://www.marqeta.com/docs/llms.txt > Use this file to discover all available pages before exploring further. # MCC Groups > In the Marqeta platform, you can assign spend controls based on merchant categories, which specify the types of goods or services offered by a business. export const EndpointCard = ({method = "API", title, children, href, arrow = true}) => { const METHOD_STYLES = { GET: { bg: "mint-bg-green-400/20 dark:mint-bg-green-400/20", text: "mint-text-green-700 dark:mint-text-green-400", border: "mint-border-green-300 dark:mint-border-green-700" }, POST: { bg: "mint-bg-blue-400/20 dark:mint-bg-blue-400/20", text: "mint-text-blue-700 dark:mint-text-blue-400" }, PUT: { bg: "mint-bg-yellow-400/20 dark:mint-bg-yellow-400/20", text: "mint-text-yellow-700 dark:mint-text-yellow-400" }, PATCH: { bg: "mint-bg-orange-400/20 dark:mint-bg-orange-400/20", text: "mint-text-orange-700 dark:mint-text-orange-400" }, DELETE: { bg: "mint-bg-red-400/20 dark:mint-bg-red-400/20", text: "mint-text-red-700 dark:mint-text-red-400" }, API: { bg: "mint-bg-black", text: "mint-text-white" } }; const MethodBadge = ({method}) => { const style = METHOD_STYLES[method?.toUpperCase()] ?? METHOD_STYLES.GET; return {method?.toUpperCase()} ; }; const content =
{}
{}

{title}

{children &&

{children}

}
; if (!href) return content; return {content} ; }; A merchant category code (MCC) is a four-digit number assigned by a card network (Visa or Mastercard) to a business, based on the goods or services the business offers. On the Marqeta platform, an MCC group defines a set of MCCs. You can include an MCC group within a spend control to limit user spending at a set of merchants. An MCC group also allows you to automatically increase authorization amounts and to control the expiration of authorizations for the specified MCCs. By default, these controls apply to all cards in your program. An MCC group authorization control can have exceptions defined at the card product level. See [Controlling Spending](/developer-guides/controlling-spending/) for a tutorial that walks you through the creation of a spend control, as well as links to more information about merchant category codes.

Create MCC group

**Action:** `POST`\ **Endpoint:** `/mccgroups` {/* */} Use this endpoint to create an MCC group.

Request body

| Fields | Description | | ------------------------------------------------------------------------------------------------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | active

boolean

Optional | Indicates if the group is active or inactive.

**Allowable Values:**

`true`, `false`

**Default value:**
`false` | | config

object

Optional | Allows for configuration options for this group, including control over the expiration of authorizations and automatic increases to the authorization amount.

**Allowable Values:**

`authorization_controls` | | config.**authorization\_controls**

object

Optional | Controls the expiration of authorizations and automatic increases to the authorization amount for MCCs specified in this group.

By default, these authorization controls apply program-wide, meaning that they apply to every card in your program. You can, however, exempt cards associated with any particular card product by setting that card product’s `allow_mcc_group_authorization_controls` field to `false`.

**Allowable Values:**

`hold_expiration_days`, `hold_increase` | | config.authorization\_controls.**hold\_expiration\_days**

integer

Optional | Specifies the number of days after which an authorization associated with this group expires.

**Allowable Values:**

1–100

**Default value:**
7 | | config.authorization\_controls.**hold\_increase**

object

Optional | Controls automatic increases to the authorization amount for MCCs specified in this group.

**Allowable Values:**

`type`, `value` | | config.authorization\_controls.hold\_increase.**type**

string

Required | Controls whether the `value` field represents a fixed amount or a percentage of the authorization amount.

**Allowable Values:**

`AMOUNT`, `PERCENT`, `UP_TO_LIMIT`

**Default value:**
`AMOUNT` | | config.authorization\_controls.hold\_increase.**value**

decimal

Required | Specifies the amount of the automatic increase to the authorization amount.

The `type` field controls whether this amount is a fixed amount or a percentage.

**Allowable Values:**

Format: 0.00 | | mccs

array of objects

Required | The set of merchant category codes that you want to include in this group. For each element, valid characters are 0-9, and the length must be 4 digits. You can also specify a range such as "9876-9880". An MCC can belong to more than one group.

**Allowable Values:**

Existing merchant category codes | | name

string

Required | Name of the MCC group.

**Allowable Values:**

255 char max | | token

string

Optional | Unique identifier of the MCC group.

If you do not include a token, the system will generate one automatically. This token is necessary for use in other API calls, so we recommend that rather than let the system generate one, you use a simple string that is easy to remember. This value cannot be updated.

**Allowable Values:**

1–36 chars |

Sample request body

```json JSON lines wrap theme={null} { "token": "my_mccgroup_01", "name": "My MCC Group 01", "mccs": [ "0123", "2224-2230", "3876" ], "active": true, "config": { "authorization_controls": { "hold_increase": { "type": "PERCENT", "value": 20 }, "hold_expiration_days": 2 } } } ```

Response body

| Fields | Description | | -------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | active

boolean

Conditionally returned | Indicates if the group is active or inactive.

**Allowable Values:**

`true`, `false`

**Default value:**
`false` | | config

object

Conditionally returned | Allows for configuration options for this group, including control over the expiration of authorizations and automatic increases to the authorization amount.

**Allowable Values:**

`authorization_controls` | | config.**authorization\_controls**

object

Conditionally returned | Controls the expiration of authorizations and automatic increases to the authorization amount for MCCs specified in this group.

By default, these authorization controls apply program-wide, meaning that they apply to every card in your program. You can, however, exempt cards associated with any particular card product by setting that card product’s `allow_mcc_group_authorization_controls` field to `false`.

**Allowable Values:**

`hold_expiration_days`, `hold_increase` | | config.authorization\_controls.**hold\_expiration\_days**

integer

Conditionally returned | Specifies the number of days after which an authorization associated with this group expires.

**Allowable Values:**

1–100

**Default value:**
7 | | config.authorization\_controls.**hold\_increase**

object

Conditionally returned | Controls automatic increases to the authorization amount for MCCs specified in this group.

**Allowable Values:**

`type`, `value` | | config.authorization\_controls.hold\_increase.**type**

string

Returned | Controls whether the `value` field represents a fixed amount or a percentage of the authorization amount.

**Allowable Values:**

`AMOUNT`, `PERCENT`, `UP_TO_LIMIT`

**Default value:**
`AMOUNT` | | config.authorization\_controls.hold\_increase.**value**

decimal

Returned | Specifies the amount of the automatic increase to the authorization amount.

The `type` field controls whether this amount is a fixed amount or a percentage.

**Allowable Values:**

Format: 0.00 | | mccs

array of objects

Returned | The set of merchant category codes that you want to include in this group. For each element, valid characters are 0-9, and the length must be 4 digits. You can also specify a range such as "9876-9880". An MCC can belong to more than one group.

**Allowable Values:**

Existing merchant category codes | | name

string

Returned | Name of the MCC group.

**Allowable Values:**

255 char max | | token

string

Conditionally returned | Unique identifier of the MCC group.

If you do not include a token, the system will generate one automatically. This token is necessary for use in other API calls, so we recommend that rather than let the system generate one, you use a simple string that is easy to remember. This value cannot be updated.

**Allowable Values:**

1–36 chars |

Sample response body

```json JSON lines wrap theme={null} { "token": "my_mccgroup_01", "name": "My MCC Group 01", "mccs": [ "0123", "2224-2230", "3876" ], "active": true, "config": { "authorization_controls": { "hold_increase": { "type": "PERCENT", "value": 20 }, "hold_expiration_days": 2 } } } ```

List MCC groups

**Action:** `GET`\ **Endpoint:** `/mccgroups` {/* */} Use this endpoint to either list all MCC groups defined in your program or list all MCC groups that contain a specified code. This endpoint supports [field filtering](/core-api/field-filtering/) and [pagination](/core-api/sorting-and-pagination/).

URL query parameters

| Fields | Description | | --------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | mcc

string

Optional | Returns all MCC groups that contain the specified merchant category code.

**Allowable Values:**

Valid merchant category code | | count

integer

Optional | Number of resources to retrieve.

**Allowable Values:**

1-10 | | start\_index

integer

Optional | Sort order index of the first resource in the returned array.

**Allowable Values:**

Any integer

**Default value:**
0 | | sort\_by

string

Optional | Field on which to sort. Use any field in the resource model, or one of the system fields `lastModifiedTime` or `createdTime`. Prefix the field name with a hyphen (`-`) to sort in descending order. Omit the hyphen to sort in ascending order.

**Allowable Values:**

`createdTime`, `lastModifiedTime`, or any field in the resource model

**Default value:**
`-lastModifiedTime` |

Response body

| Fields | Description | | ---------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | count

integer

Conditionally returned | Number of resources to retrieve.

This field is returned if there are resources in your returned array.

**Allowable Values:**

1-10 | | data

array of objects

Conditionally returned | Array of MCC group objects.

Objects are returned as appropriate to your query.

**Allowable Values:**

Valid array of one or more MCC group objects | | data\[].**active**

boolean

Conditionally returned | Indicates if the group is active or inactive.

**Allowable Values:**

`true`, `false`

**Default value:**
`false` | | data\[].**config**

object

Conditionally returned | Allows for configuration options for this group, including control over the expiration of authorizations and automatic increases to the authorization amount.

**Allowable Values:**

`authorization_controls` | | data\[].config.**authorization\_controls**

object

Conditionally returned | Controls the expiration of authorizations and automatic increases to the authorization amount for MCCs specified in this group.

By default, these authorization controls apply program-wide, meaning that they apply to every card in your program. You can, however, exempt cards associated with any particular card product by setting that card product’s `allow_mcc_group_authorization_controls` field to `false`.

**Allowable Values:**

`hold_expiration_days`, `hold_increase` | | data\[].config.authorization\_controls.**hold\_expiration\_days**

integer

Conditionally returned | Specifies the number of days after which an authorization associated with this group expires.

**Allowable Values:**

1–100

**Default value:**
7 | | data\[].config.authorization\_controls.**hold\_increase**

object

Conditionally returned | Controls automatic increases to the authorization amount for MCCs specified in this group.

**Allowable Values:**

`type`, `value` | | data\[].config.authorization\_controls.hold\_increase.**type**

string

Returned | Controls whether the `value` field represents a fixed amount or a percentage of the authorization amount.

**Allowable Values:**

`AMOUNT`, `PERCENT`, `UP_TO_LIMIT`

**Default value:**
`AMOUNT` | | data\[].config.authorization\_controls.hold\_increase.**value**

decimal

Returned | Specifies the amount of the automatic increase to the authorization amount.

The `type` field controls whether this amount is a fixed amount or a percentage.

**Allowable Values:**

Format: 0.00 | | data\[].**mccs**

array of objects

Returned | The set of merchant category codes that you want to include in this group. For each element, valid characters are 0-9, and the length must be 4 digits. You can also specify a range such as "9876-9880". An MCC can belong to more than one group.

**Allowable Values:**

Existing merchant category codes | | data\[].**name**

string

Returned | Name of the MCC group.

**Allowable Values:**

255 char max | | data\[].**token**

string

Conditionally returned | Unique identifier of the MCC group.

If you do not include a token, the system will generate one automatically. This token is necessary for use in other API calls, so we recommend that rather than let the system generate one, you use a simple string that is easy to remember. This value cannot be updated.

**Allowable Values:**

1–36 chars | | end\_index

integer

Conditionally returned | Sort order index of the last resource in the returned array.

This field is returned if there are resources in your returned array.

**Allowable Values:**

Any integer | | is\_more

boolean

Conditionally returned | A value of `true` indicates that more unreturned resources exist. A value of `false` indicates that no more unreturned resources exist.

This field is returned if there are resources in your returned array.

**Allowable Values:**

`true`, `false` | | start\_index

integer

Conditionally returned | Sort order index of the first resource in the returned array.

This field is returned if there are resources in your returned array.

**Allowable Values:**

Any integer |

Sample response body

```json JSON expandable lines wrap theme={null} { "count": 2, "start_index": 0, "end_index": 1, "is_more": false, "data": [ { "token": "my_mccgroup_02", "name": "My MCC Group 02", "mccs": [ "0123", "2224-2230" ], "active": true, "config": { "authorization_controls": { "hold_increase": { "type": "AMOUNT", "value": 10, "hold_expiration_days": 3 } } } }, { "token": "my_mccgroup_01", "name": "My MCC Group 01", "mccs": [ "0123", "2224-2230", "3876" ], "active": true, "config": { "authorization_controls": { "hold_increase": { "type": "PERCENT", "value": 20 }, "hold_expiration_days": 2 } } } ] } ```

Update MCC group

**Action:** `PUT`\ **Endpoint:** `/mccgroups/{token}` {/* */} Use this endpoint to update an MCC group. Include the `token` path parameter to identify the MCC group to update. You must pass all the merchant category codes you want included in the group, including existing ones you want to retain.

URL path parameters

| Fields | Description | | ------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | token

string

Required | Unique identifier of the MCC group. Send a `GET` request to `/mccgroups` to retrieve MCC group tokens.

**Allowable Values:**

Existing MCC group token |

Request body

| Fields | Description | | ------------------------------------------------------------------------------------------------ | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | active

boolean

Optional | Indicates whether the MCC group is active or inactive.

**Allowable Values:**

`true`, `false`

**Default value:**
`false` | | config

object

Optional | Allows for configuration options for this group, including control over the expiration of authorizations and automatic increases to the authorization amount.

**Allowable Values:**

`authorization_controls` | | config.**authorization\_controls**

object

Optional | Controls the expiration of authorizations and automatic increases to the authorization amount for MCCs specified in this group.

By default, these authorization controls apply program-wide, meaning that they apply to every card in your program. You can, however, exempt cards associated with any particular card product by setting that card product’s `allow_mcc_group_authorization_controls` field to `false`.

**Allowable Values:**

`hold_expiration_days`, `hold_increase` | | config.authorization\_controls.**hold\_expiration\_days**

integer

Optional | Specifies the number of days after which an authorization associated with this group expires.

**Allowable Values:**

1–100

**Default value:**
7 | | config.authorization\_controls.**hold\_increase**

object

Optional | Controls automatic increases to the authorization amount for MCCs specified in this group.

**Allowable Values:**

`type`, `value` | | config.authorization\_controls.hold\_increase.**type**

string

Required | Controls whether the `value` field represents a fixed amount or a percentage of the authorization amount.

**Allowable Values:**

`AMOUNT`, `PERCENT`, `UP_TO_LIMIT`

**Default value:**
`AMOUNT` | | config.authorization\_controls.hold\_increase.**value**

decimal

Required | Specifies the amount of the automatic increase to the authorization amount.

The `type` field controls whether this amount is a fixed amount or a percentage.

**Allowable Values:**

Format: 0.00 | | mccs

array of strings

Optional | Set of merchant category codes that you want to include in this group. For each element, valid characters are 0-9, and the length must be 4 digits. You can also specify a range such as "9876-9880". An MCC can belong to more than one group.

Updating the merchant category codes for the group completely replaces the group’s existing codes. For example, if the current MCC group is `["1234"]` and you want to add the 2345 code (while retaining the existing code), you must specify `["1234", "2345"]` in this field.

**Allowable Values:**

Valid merchant category codes | | name

string

Optional | Name of the MCC group.

**Allowable Values:**

255 char max |

Sample request body

```json JSON lines wrap theme={null} { "mccs": [ "0123", "2224-2230" ] } ```

Response body

| Fields | Description | | -------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | active

boolean

Conditionally returned | Indicates whether the MCC group is active or inactive.

**Allowable Values:**

`true`, `false`

**Default value:**
`false` | | config

object

Conditionally returned | Allows for configuration options for this group, including control over the expiration of authorizations and automatic increases to the authorization amount.

**Allowable Values:**

`authorization_controls` | | config.**authorization\_controls**

object

Conditionally returned | Controls the expiration of authorizations and automatic increases to the authorization amount for MCCs specified in this group.

By default, these authorization controls apply program-wide, meaning that they apply to every card in your program. You can, however, exempt cards associated with any particular card product by setting that card product’s `allow_mcc_group_authorization_controls` field to `false`.

**Allowable Values:**

`hold_expiration_days`, `hold_increase` | | config.authorization\_controls.**hold\_expiration\_days**

integer

Conditionally returned | Specifies the number of days after which an authorization associated with this group expires.

**Allowable Values:**

1–100

**Default value:**
7 | | config.authorization\_controls.**hold\_increase**

object

Conditionally returned | Controls automatic increases to the authorization amount for MCCs specified in this group.

**Allowable Values:**

`type`, `value` | | config.authorization\_controls.hold\_increase.**type**

string

Returned | Controls whether the `value` field represents a fixed amount or a percentage of the authorization amount.

**Allowable Values:**

`AMOUNT`, `PERCENT`, `UP_TO_LIMIT`

**Default value:**
`AMOUNT` | | config.authorization\_controls.hold\_increase.**value**

decimal

Returned | Specifies the amount of the automatic increase to the authorization amount.

The `type` field controls whether this amount is a fixed amount or a percentage.

**Allowable Values:**

Format: 0.00 | | mccs

array of strings

Conditionally returned | Set of merchant category codes that you want to include in this group. For each element, valid characters are 0-9, and the length must be 4 digits. You can also specify a range such as "9876-9880". An MCC can belong to more than one group.

Updating the merchant category codes for the group completely replaces the group’s existing codes. For example, if the current MCC group is `["1234"]` and you want to add the 2345 code (while retaining the existing code), you must specify `["1234", "2345"]` in this field.

**Allowable Values:**

Valid merchant category codes | | name

string

Conditionally returned | Name of the MCC group.

**Allowable Values:**

255 char max |

Sample response body

```json JSON lines wrap theme={null} { "token": "my_mccgroup_02", "name": "My MCC Group 02", "mccs": [ "0123", "2224-2230" ], "active": true, "config": { "authorization_controls": { "hold_increase": { "type": "AMOUNT", "value": 10 }, "hold_expiration_days": 3 } } } ```

Retrieve MCC group

**Action:** `GET`\ **Endpoint:** `/mccgroups/{token}` {/* */} Use this endpoint to retrieve a specific MCC group.

URL path parameters

| Fields | Description | | ------------------------------------------- | -------------------------------------------------------------------- | | token

string

Required | Unique identifier of the MCC group.

**Allowable Values:** |

Response body

| Fields | Description | | -------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | active

boolean

Conditionally returned | Indicates if the group is active or inactive.

**Allowable Values:**

`true`, `false`

**Default value:**
`false` | | config

object

Conditionally returned | Allows for configuration options for this group, including control over the expiration of authorizations and automatic increases to the authorization amount.

**Allowable Values:**

`authorization_controls` | | config.**authorization\_controls**

object

Conditionally returned | Controls the expiration of authorizations and automatic increases to the authorization amount for MCCs specified in this group.

By default, these authorization controls apply program-wide, meaning that they impact every card in your program. You can, however, exempt cards associated with any particular card product by setting that card product’s `allow_mcc_group_authorization_controls` field to `false`.

**Allowable Values:**

`hold_expiration_days`, `hold_increase` | | config.authorization\_controls.**hold\_expiration\_days**

integer

Conditionally returned | Specifies the number of days after which an authorization associated with this group expires.

**Allowable Values:**

1–100

**Default value:**
7 | | config.authorization\_controls.**hold\_increase**

object

Conditionally returned | Controls automatic increases to the authorization amount for MCCs specified in this group.

**Allowable Values:**

`type`, `value` | | config.authorization\_controls.hold\_increase.**type**

string

Returned | Controls whether the `value` field represents a fixed amount or a percentage of the authorization amount.

**Allowable Values:**

`AMOUNT`, `PERCENT`, `UP_TO_LIMIT`

**Default value:**
`AMOUNT` | | config.authorization\_controls.hold\_increase.**value**

decimal

Returned | Specifies the amount of the automatic increase to the authorization amount.

The `type` field controls whether this amount is a fixed amount or a percentage.

**Allowable Values:**

Format: 0.00 | | mccs

array of objects

Returned | The set of merchant category codes that you want to include in this group. For each element, valid characters are 0-9, and the length must be 4 digits. You can also specify a range such as "9876-9880". An MCC can belong to more than one group.

**Allowable Values:**

Existing merchant category codes | | name

string

Returned | Name of the MCC group.

**Allowable Values:**

255 char max | | token

string

Conditionally returned | Unique identifier of the MCC group.

If you do not include a token, the system will generate one automatically. This token is necessary for use in other API calls, so we recommend that rather than let the system generate one, you use a simple string that is easy to remember. This value cannot be updated.

**Allowable Values:**

1–36 chars |

Sample response body

```json JSON lines wrap theme={null} { "token": "my_mccgroup_02", "name": "My MCC Group 02", "mccs": [ "0123", "2224-2230" ], "active": true, "config": { "authorization_controls": { "hold_increase": { "type": "AMOUNT", "value": 10 }, "hold_expiration_days": 3 } } } ``` ## Related topics - [Limits and Controls in Europe](/docs/developer-guides/mq-eu-limits-controls.md) - [Authorization Controls](/docs/core-api/authorization-controls.md) - [Release Notes](/docs/developer-guides/release-notes.md) - [Velocity Controls](/docs/core-api/velocity-controls.md) - [Errors](/docs/core-api/errors.md)