EXPANDED MERCHANT GUIDE · VISA · OCTOBER 2026
MCC 7011:
Lodging – Hotels, Motels, Resorts, Central Reservation Services (Not Elsewhere Classified)
Lodging without a dedicated brand code. Hotel bookings often involve deposits, later service and incidental adjustments; the payment timing and cancellation terms drive the review.
View the source & scope ↓THE CLASSIFICATION
What does MCC 7011 cover?
Lodging without a dedicated brand code.
Some lodging brands have their own MCC. A brand-specific listing does not establish that every affiliated or franchised outlet uses that code.
The code belongs to the Travel & lodging 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?
- An independent hotel
- A local inn
- A bed-and-breakfast
These examples illustrate the classification. They are not verified NUMUS customers or confirmed transaction-level assignments.
LOOK BEYOND THE LABEL
Risk & provider review
Hotel bookings often involve deposits, later service and incidental adjustments; the payment timing and cancellation terms drive the review.
Why this category sits here
- Advance bookings
- No-show charges
- Incidental adjustments
Operating assumptions
Established lodging with clear booking terms and documented stays.
What could raise the risk?
- Long advance prepayments
- Travel disruption
- Large group deposits
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
- How far ahead of arrival are payments collected?
- What are the cancellation, no-show and refund terms?
- Which system handles authorizations, incidentals and final capture?
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 86 · printed page 83 ↗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.
Read the directory methodology →CONNECT THE NEXT PIECE
Build the payment setup around it.
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.