MCC 3538 — Concorde hotels
MCC 3538 is the merchant category code for concorde hotels. It's classified as high risk, priced in the Travel Services interchange group, and held to a chargeback threshold of 0.9% (Visa/MC).
3538
High risk
Travel Services
0.9% (Visa/MC)
What is MCC 3538?
MCC 3538 is the four-digit merchant category code that Visa, Mastercard, American Express, and Discover use to classify concorde hotels. Merchant classification for Concorde hotels. 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 Concorde hotels high risk?
Yes. MCC 3538 (concorde hotels) is a high-risk classification. It's approvable, but usually through a specialized high-risk acquirer rather than a flat-rate aggregator, and underwriting will look closely at chargeback history, refund policy, and how you present the offer.
How we underwrite high-risk accountsLong delivery windows create extended chargeback liability periods.
Implement insurance offerings and clear non-refundable policies at checkout.
What else falls under Travel & Hospitality?
MCC 3538 sits within the Travel & Hospitality group, which spans 252 classifications. Businesses that get boarded here often also match one of these adjacent codes:
How to get a merchant account for MCC 3538
Whether you're a new business, scaling your volume, or switching processors after a decline, approval under MCC 3538 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 3538 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 3538 questions
What is MCC 3538?
MCC 3538 is the four-digit merchant category code card networks assign to concorde hotels. Merchant classification for Concorde hotels. It determines the interchange pricing, risk tier, and chargeback thresholds your merchant account is held to.
Is Concorde hotels considered high risk?
Yes. MCC 3538 (concorde hotels) is a high-risk classification. It's approvable, but usually through a specialized high-risk acquirer rather than a flat-rate aggregator, and underwriting will look closely at chargeback history, refund policy, and how you present the offer.
What chargeback threshold applies to MCC 3538?
The working threshold for MCC 3538 is 0.9% (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 3538?
Yes. Gray Merchants boards concorde hotels 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 3538?
Implement insurance offerings and clear non-refundable policies at checkout.
MCC codes similar to 3538
Not sure which classification fits? Compare the closest codes, or talk to a specialist and we'll confirm the right MCC for your business.