MCC 3644

Econo Lodges

MCC 3644 is reserved for Econo Lodges. 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 3643 for Steigenberger Hotels and MCC 3645 for Queens Moat Houses.

MCC Guides and Insights

#Fraud prevention, #Chargeback

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

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10/05/2025

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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

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

20/03/2025

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#Chargeback, #Compliance

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

05/03/2025

5 minutes

#Payments, #Product

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

18/02/2025

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#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