MCC 4813 applies to key entry telecommunications merchants who use centralized access numbers for their services. This includes services that rely on central entry points to facilitate telecom transactions and communications.
Interchange Fee
Interchange fees for transactions under MCC 4813 typically range from 1.5% to 3.5%, influenced by transaction risk, the nature of the service provided, and the agreements between payment processors and merchants.
Cashback Rewards
Cashback and rewards for purchases related to MCC 4813 vary by issuer. Telecommunications and business expense categories may offer targeted rewards for such transactions, depending on the card provider’s program.
Rules and Restrictions
There are no special rules imposed by payment processors specifically for MCC 4813. Standard industry rules for card-present and card-absent transactions apply based on established payment network policies.
Tax Reporting
In the U.S., payments made under MCC 4813 are generally categorized as telecommunication services. Reporting obligations vary based on use; service providers may have specific IRS reporting requirements, but individual consumers are typically not subject to direct taxes on such transactions.