SOURCE-BACKED REFERENCE ENTRY · VISA · OCTOBER 2026
MCC 3509:
MARRIOTT
Visa lists MARRIOTT under this designated lodging code. It is a named-entity entry, rather than a general category for unrelated businesses.
View the source & scope ↓THE CLASSIFICATION
What does MCC 3509 cover?
Visa lists MARRIOTT under this designated lodging code. It is a named-entity entry, rather than a general category for unrelated businesses.
The code belongs to the Named hotels & lodging group in this directory. The acquirer must confirm the appropriate assignment for the merchant and the relevant card network.
ILLUSTRATIVE BUSINESS FIT
The designated merchant
- Designated source-table entity: MARRIOTT. Not a suggested code for an unrelated merchant.
These examples illustrate the classification. They are not verified NUMUS customers or confirmed transaction-level assignments.
LOOK BEYOND THE LABEL
Risk & provider review
Lodging combines advance reservations with deposits, cancellations, incidentals and final checkout charges. Clear terms and authorization records help explain what was charged and when.
Why this category sits here
- Advance reservations and cancellation terms
- No-show, deposit and incidental charges
- Difference between estimated and final charges
Operating assumptions
Industry baseline for ordinary hotel or lodging operations; not an assessment of the named brand, operator or franchise.
What could raise the risk?
- Long advance-booking windows or prepaid packages
- Property closure, event cancellation or refund backlogs
- High fraud, disputes or unusually large deposits
Assessment basis: Named-industry model: named-lodging. This is an editorial category assessment, not a bank’s rating, an individual merchant decision, a forecast of losses or a promise of approval.
How we assess risk & source references ↗No specific high-integrity-risk flag is reproduced here from the reviewed Visa classification section. This is not an exemption or a finding that no other requirements apply.
Questions worth preparing
- Is this the exact designated merchant or brand rather than a similar business?
- Which current network assignment does your acquirer confirm for this merchant?
- For an independent business, which general industry code should the acquirer consider instead?
Your provider may also ask about transaction size, monthly volume, refunds, disputes, customer locations and delivery timing. Use your actual business facts when discussing the code.
CHECK THE REFERENCE
Source, date & scope
Code and classification reference: Visa Merchant Data Standards Manual, October 2026. Directory reviewed November 3, 2026.
Visa source · PDF page 38 · printed page 35 ↗The source listing does not establish that this brand is currently operating, that its present name is unchanged, or that a particular transaction uses this code.
This is a designated network entry. Another company in the same industry should not adopt it merely because the business activities look similar. The source listing does not verify present-day operations.
Network descriptions and requirements can differ. This entry does not assert complete Mastercard coverage. Confirm current classifications and any special registration requirements with your acquirer.
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THE BUSINESS BEHIND THE CODE
Find processing that fits
your actual business.
Your MCC is one piece of the conversation. Tell NUMUS what you sell, how you deliver it, and how your customers pay. We’ll help you take the next step.