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API · /mcc-api

Merchant Category Codes API

healthy 3,078 Subscribers

ISO 18245 Merchant Category Codes (MCC) as an API — the 981 four-digit codes that Visa, Mastercard and other card networks use to classify a merchant's line of business. Look up any code (e.g. 5812 → Eating places and Restaurants, 5411 → Grocery Stores/Supermarkets, 3000 → United Airlines), search by description (e.g. "hotel", "airline", "pharmacy"), filter by IRS-reportable status, or list them all. Each record carries the network/edited description, USDA and IRS descriptions and whether the category is IRS 1099-reportable. Ideal for payments, fintech, expense management, fraud analysis and transaction enrichment.

#mcc #merchant-category #payments #fintech #iso-18245 #cards
api.oanor.com/mcc-api
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Machine-readable spec so AI agents can integrate this API.

/api/mcc-api/openapi.json
/api/mcc-api/llms.txt

Discovery: GET /api/index.json lists every API.

Merchant Category Codes API — live data on the oanor API marketplace

API health

healthy
Uptime
100.00%
Server probes · 24h
Avg latency
82 ms
Server probes · 24h
Subscribers
3,078
active
Total calls
76
last 7 days
status Full status page → · 12 probes/24h

Pricing

Pick a tier — billed monthly, cancel anytime.

Free

Free

  • 15,000 calls / month
  • 2 requests / second
  • Hard cap (429 above quota, no overage)
  • 15,000 calls/month
  • 2 req/sec
  • Lookup + search + list
  • No credit card
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Starter

€2.50 /month

  • 120,000 calls / month
  • 8 requests / second
  • Hard cap (429 above quota, no overage)
  • 120k calls/month
  • 8 req/sec
  • Description search
  • Email support
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Pro

€8.00 /month

  • 600,000 calls / month
  • 20 requests / second
  • Hard cap (429 above quota, no overage)
  • 600k calls/month
  • 20 req/sec
  • Transaction enrichment
  • Priority support
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Mega

€22.00 /month

  • 3,000,000 calls / month
  • 50 requests / second
  • Hard cap (429 above quota, no overage)
  • 3M calls/month
  • 50 req/sec
  • Payments platform
  • Dedicated SLA
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Live on-chain data from the Litecoin network (LTC), the long-running silver-to-Bitcoin's-gold proof-of-work UTXO chain with 2.5-minute blocks and Scrypt mining, via the public litecoinspace.org explorer. Like Bitcoin, Litecoin is UTXO-based. Resolve any address's confirmed LTC balance, the total it has ever received and sent, its transaction count and any unconfirmed mempool balance. Look up a transaction's fee, size, input and output counts, total output value and confirmation status. Read a block's height, hash, timestamp, transaction count, size and difficulty. Get the live chain state — the tip height, the recommended fee rates, the mempool size and fees, and the next difficulty adjustment. Live, no key, nothing stored. Distinct from the Bitcoin, Kaspa, XRP Ledger, Cardano, Hedera, Cosmos, Sui, NEAR, MultiversX, Starknet, Solana and EVM on-chain APIs and from price feeds — this is Litecoin's UTXO address state, transactions, blocks and fees. Perfect for wallets, explorers and payments apps.

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Stellar (XLM) On-Chain API

Live on-chain data from the Stellar network, the open blockchain for payments and asset issuance behind the lumen (XLM), served straight from Stellar's public Horizon API — no key, nothing cached. The account endpoint returns any address's full wallet: its XLM balance and every issued asset it holds — Stellar is the home of anchored stablecoins like USDC, so a wallet shows native lumens alongside its tokens, each with the asset code, issuer and balance — plus the account sequence, sub-entry count and home domain. The payments endpoint returns the account's most recent payments in and out, each with the counterparty, asset, amount and time. The transactions endpoint returns the account's recent transactions with the ledger, fee, operation count, success flag and memo. The network endpoint returns the live state of the network itself: the latest ledger, the base fee and the fee percentiles and ledger capacity that tell you how congested the network is. Everything is read live from Horizon, nothing stored. This is the Stellar on-chain layer for any wallet, anchor, exchange, payments or analytics app. Distinct from the XRP Ledger, EVM and Solana on-chain APIs and from price feeds — this is Stellar account state, multi-asset balances, payments and network health. 4 endpoints, no key on our side.

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Live on-chain data from the XRP Ledger (XRPL), the decentralized blockchain behind XRP, served straight from public XRPL nodes by JSON-RPC — no key, nothing cached. The account endpoint returns any address's core state: its XRP balance, transaction sequence, the number of objects it owns, and its account flags and domain — the genesis-era account rHb9CJAWyB4rj91VRWn96DkukG4bwdtyTh holds tens of thousands of XRP. The balances endpoint returns the full wallet: the XRP balance plus every issued-currency trustline (token or stablecoin) the account holds, with the issuer, currency and amount, decoding hex currency codes to readable tickers. The transactions endpoint returns the account's most recent ledger activity — payments, DEX offers, trustline changes — each with its hash, type, amount, fee, result and time. The server endpoint returns the state of the ledger itself: the latest validated ledger index and age, the base and per-object XRP reserves, the current fee and the node software version — the network health a wallet or explorer needs. Everything is read live from the XRPL, nothing stored. This is the XRP Ledger on-chain layer for any wallet, explorer, exchange, payments or analytics app. Distinct from EVM and Solana on-chain APIs and from price feeds — this is XRPL account state, token balances, transactions and ledger health. 4 endpoints, no key on our side.

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Frequently asked questions

Quick answers about pricing, quotas, and integration.

How do I get an API key for Merchant Category Codes API?
Sign up for free at oanor.com, generate an API key from the developer dashboard, and call Merchant Category Codes API with the x-oanor-key header. No credit card needed for the free tier.
What's the rate limit for Merchant Category Codes API?
Free tier allows 1 request per second. Paid plans scale up to 50 requests per second on the Mega tier. Hard limits return HTTP 429 above the quota — no surprise overage charges.
How much does Merchant Category Codes API cost?
Merchant Category Codes API has a free tier with 100 calls / month. Paid plans start at €2.50 / month with higher quotas and faster rate limits.
Can I cancel my subscription anytime?
Yes. Plans are billed monthly and you can cancel anytime from your billing dashboard. No long-term contracts and no cancellation fee.
Is Merchant Category Codes API GDPR-compliant?
All requests to Merchant Category Codes API go through our EU-based gateway. Your upstream API key never leaves our server and no personal data is shared with the upstream provider beyond the request you send.

Pick an endpoint from the list on the left to see its details and try it.

Code snippets

Sign up to get an API key, then call any path under your slug.

curl https://api.oanor.com/mcc-api/SOME_PATH \
  -H "x-oanor-key: oanor_test_..."
const res = await fetch("https://api.oanor.com/mcc-api/SOME_PATH", {
  headers: { "x-oanor-key": "oanor_test_..." }
});
const data = await res.json();
$ch = curl_init("https://api.oanor.com/mcc-api/SOME_PATH");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_HTTPHEADER, ["x-oanor-key: oanor_test_..."]);
$response = curl_exec($ch);
import requests
r = requests.get(
    "https://api.oanor.com/mcc-api/SOME_PATH",
    headers={"x-oanor-key": "oanor_test_..."},
)
print(r.json())

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