MCC 4784 pertains to payments for toll roads, bridges, and other related fees, including electronic toll collections. This category includes charges assessed for transportation infrastructure usage and maintenance.
Interchange Fee
Interchange fees for MCC 4784 transactions typically range from 1.1% to 2.9%, based on the payment processor and transaction structure. Fees may vary depending on volume, regional factors, and applicable agreements between the service provider and processor.
Cashback Rewards
Certain travel and transportation-focused credit cards may offer cashback or rewards for toll and bridge fees. The rewards percentage and availability vary based on the card issuer’s rewards program, typically categorized under travel expenses.
Rules and Restrictions
There are no special rules imposed by payment processors specifically for MCC 4784 transactions. General rules for card-present and card-absent transactions apply, consistent with card network guidelines.
Tax Reporting
In the United States, payments made under MCC 4784 for tolls and bridge fees are generally classified as transportation expenses. Service providers may have specific IRS reporting obligations, but individual buyers are not typically taxed for such services directly.