MCC 4814
Telecom Services
MCC 4814 covers phone calls, VoIP, calling cards, mobile top-ups and fax services. Card networks list it as “Telecommunication Services – Local and Long Distance Calls, Credit Card Calls, and Fax Services”.
This category carries elevated fraud or chargeback exposure, for example because of future delivery, high ticket sizes or recurring billing. Expect closer underwriting and possibly a rolling reserve.
Related categories include MCC 4214 for trucking and moving, MCC 4812 for phones and telecom equipment, and MCC 6540 for prepaid cards and wallet top-ups.