Infrastructure · Glossary
Also called: Travel Agencies and Tour Operators MCC
MCC 4722 (Travel Agencies and Tour Operators) is the merchant category code card networks assign to businesses that arrange flights, hotels, packages, and tours on behalf of travelers. It covers retail agencies, OTAs, and tour operators, and it flags an account for travel-specific high-risk underwriting before a human reads the application.
MCC 4722sits inside the broader system of U.S. payment processing economics that determine a merchant’s effective rate. Most operators encounter this term on their merchant statement without understanding what it controls, which is how the four hidden fees covered by our methodology slip past unnoticed.