MCC 3638

Ho Jo Inn, Howard Johnson

MCC 3638 is reserved for Ho Jo Inn, Howard Johnson. Card networks reserve codes 3500–3999 for individual hotel chains, so issuers can see exactly which company a payment went to.

Hotels without a reserved code use MCC 7011. Acquirers generally treat this category as standard risk, so onboarding is usually straightforward and pricing is standard.

Related categories include MCC 7011 for hotels and resorts. Nearby codes include MCC 3637 for Ramada Inns, Ramada Limited and MCC 3639 for Mount Charlotte Thistle.

MCC Guides and Insights

#Fraud prevention, #Chargeback

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Both end with a disputed charge, but the perpetrator, intent, and fix are completely different ...

05/10/2024

7 minutes

#Payments, #Product

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A four-digit code quietly shapes your card rewards, processing fees, and expense reports ...

25/10/2024

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#Chargeback prevention, #Payments

What Are Chargeback Prevention Alerts?

A phone call from a shopper to their bank can throw a wrench in a sale ...

10/05/2025

7 minutes

#Chargeback, #Strategy

Chargeback Trends in 2026: What's Driving Disputes Now

In 2026, chargeback pressure is rising as digital payments grow and fraud tactics get smarter ....

15/04/2025

8 minutes

#Payments, #Product

How to Set Up a Merchant Account in 2026 Without Delays

In 2026, setup feels stricter because providers look closely at risk and chargeback history ...

20/03/2025

6 minutes

#Chargeback, #Compliance

Visa Chargeback Monitoring Program (VCMP) Explained for Merchants

VCMP is Visa's way of flagging merchants with too many chargebacks and added fees ...

05/03/2025

5 minutes

#Payments, #Product

High-Risk Merchant Processing: Approval, Fees, and Fit

Some legal, well-run businesses still get flagged as risky by banks and payment processors ...

18/02/2025

7 minutes

#Compliance, #Payments

How to Become PCI Compliant for Free in 2026

Navigating PCI compliance can be daunting. For small businesses, the complexities and costs ...

10/01/2025

6 minutes

#Fraud prevention, #Strategy

State of Fraud in Payments: A 2026 Report

Fraud in payments keeps rising in 2026, even though detection tools are better than before ...

25/12/2024

8 minutes

#Chargeback, #Compliance

VAMP: Visa's New Fraud & Chargeback Monitoring Program

VAMP monitors fraud and dispute levels across merchants, flagging those who exceed Visa's thres...

10/11/2024

5 minutes

#Fraud prevention, #Chargeback

Friendly Fraud vs. Malicious Fraud: The Two Faces of Chargeback Abuse

Both end with a disputed charge, but the perpetrator, intent, and fix are completely different ...

05/10/2024

7 minutes

#Payments, #Product

Merchant Category Code Explained

A four-digit code quietly shapes your card rewards, processing fees, and expense reports ...

25/10/2024

6 minutes