EXPANDED MERCHANT GUIDE · VISA · OCTOBER 2026
MCC 4722:
Travel Agencies and Tour Operators
Travel booking and tour services. Agencies and tour operators may collect before suppliers deliver travel, leaving refund responsibility exposed across several parties.
View the source & scope ↓THE CLASSIFICATION
What does MCC 4722 cover?
Travel booking and tour services.
The code belongs to the Transportation & travel group in this directory. The acquirer must confirm the appropriate assignment for the merchant and the relevant card network.
ILLUSTRATIVE BUSINESS FIT
What could a matching business look like?
- A travel-booking agency
- A packaged-tour organizer
- A charter-tour operator
These examples illustrate the classification. They are not verified NUMUS customers or confirmed transaction-level assignments.
LOOK BEYOND THE LABEL
Risk & provider review
Agencies and tour operators may collect before suppliers deliver travel, leaving refund responsibility exposed across several parties.
Why this category sits here
- Supplier dependency
- Advance travel payments
Operating assumptions
Legitimate future-service operator with clear delivery obligations and sufficient resources for refunds.
What could raise the risk?
- Long booking lead times
- Unfunded cancellations or supplier failure
Assessment basis: Individual business-category assessment. 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
- Are you the trip operator, an agent or a marketplace?
- How long is the gap between taking payment and travel?
- Who holds customer funds and pays refunds when a supplier cancels?
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.
THE DISTINCTIONS MATTER
Nearby codes to understand
Compare the definitions rather than choosing whichever code appears more favorable. Separate activities or network rules can change the correct treatment.
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 53 · printed page 50 ↗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.