MCC 3364 — Agency rent-a-car
MCC 3364 is the merchant category code for agency rent-a-car. It's classified as medium risk, priced in the B2B Services interchange group, and held to a chargeback threshold of 1.0% (Visa/MC).
3364
Medium risk
B2B Services
1.0% (Visa/MC)
What is MCC 3364?
MCC 3364 is the four-digit merchant category code that Visa, Mastercard, American Express, and Discover use to classify agency rent-a-car. Merchant classification for Agency rent-a-car. The acquiring bank assigns it when it approves your merchant account, and from that point it drives your interchange pricing, your default chargeback thresholds, and whether your account is flagged for enhanced monitoring. Booking under the correct MCC from day one is part of what a specialized high-risk merchant account provider does that a generic flat-rate aggregator often skips. Check the payments glossary for the terms behind each field, or browse the full MCC directory to compare classifications.
Is Agency rent-a-car high risk?
MCC 3364 (agency rent-a-car) sits in a medium-risk band. Many processors will board it, but pricing and reserve terms hinge on your ticket size, volume, and dispute history. Getting the classification and documentation right up front keeps you out of a higher-risk tier.
High ticket values can attract larger disputes based on performance expectations.
Mandate comprehensive Master Service Agreements (MSAs) before onboarding.
What else falls under Professional Services?
MCC 3364 sits within the Professional Services group, which spans 5 classifications. Businesses that get boarded here often also match one of these adjacent codes:
How to get a merchant account for MCC 3364
Whether you're a new business, scaling your volume, or switching processors after a decline, approval under MCC 3364 follows the same four steps — human underwriting, a dedicated MID, and chargeback monitoring built in. Here's why merchants choose Gray Merchants to board this classification.
Apply in minutes
Tell us about your business and volume. We confirm MCC 3364 is the right classification for what you sell.
Underwriting review
A human underwriter reviews your documents and history — no black-box scoring, a decision typically inside 24–48 hours.
Written terms
You see every rate, reserve, and account term in writing before you sign. $0 setup fee, dedicated MID.
Go live
Connect your gateway and start processing, with chargeback monitoring in place from day one.
MCC 3364 questions
What is MCC 3364?
MCC 3364 is the four-digit merchant category code card networks assign to agency rent-a-car. Merchant classification for Agency rent-a-car. It determines the interchange pricing, risk tier, and chargeback thresholds your merchant account is held to.
Is Agency rent-a-car considered high risk?
MCC 3364 (agency rent-a-car) sits in a medium-risk band. Many processors will board it, but pricing and reserve terms hinge on your ticket size, volume, and dispute history. Getting the classification and documentation right up front keeps you out of a higher-risk tier.
What chargeback threshold applies to MCC 3364?
The working threshold for MCC 3364 is 1.0% (Visa/MC). Crossing it repeatedly can push an account into a card-network monitoring program, so accounts in this category are underwritten with that ceiling in mind.
Can I get a merchant account under MCC 3364?
Yes. Gray Merchants boards agency rent-a-car through acquiring banks that underwrite this classification directly, with a dedicated MID, written terms before you sign, and a $0 setup fee. Apply and a specialist prepares your quote.
How do I reduce chargebacks under MCC 3364?
Mandate comprehensive Master Service Agreements (MSAs) before onboarding.
MCC codes similar to 3364
Not sure which classification fits? Compare the closest codes, or talk to a specialist and we'll confirm the right MCC for your business.