SOURCE-BACKED REFERENCE ENTRY · VISA · OCTOBER 2026
MCC 7278:
Buying and Shopping Services and Clubs
A classification for shopping services; buying clubs.
View the source & scope ↓THE CLASSIFICATION
What does MCC 7278 cover?
A classification for shopping services; buying clubs.
The code belongs to the Personal services 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?
- Shopping services
- Buying clubs
These examples illustrate the classification. They are not verified NUMUS customers or confirmed transaction-level assignments.
LOOK BEYOND THE LABEL
Risk & provider review
Buying clubs may charge membership fees before benefits are used, making renewal, cancellation and the promised value important.
Why this category sits here
- Membership fees
- Future benefits
- Renewals
Operating assumptions
Transparent shopping services with usable benefits and clear cancellation.
What could raise the risk?
- Negative-option trials
- Large enrollment fees
- Unverifiable savings claims
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
- What goods or services generate the largest share of your sales?
- How and when do customers pay, and when are products or services delivered?
- Does a more specific network classification describe your actual business?
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 88 · printed page 85 ↗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.