SOURCE-BACKED REFERENCE ENTRY · VISA · OCTOBER 2026
MCC 9405:
U.S. Federal Government Agencies or Departments
A classification for United States federal agency transactions.
View the source & scope ↓THE CLASSIFICATION
What does MCC 9405 cover?
A classification for United States federal agency transactions.
The code belongs to the Government 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?
- United States federal agency transactions
These examples illustrate the classification. They are not verified NUMUS customers or confirmed transaction-level assignments.
LOOK BEYOND THE LABEL
Risk & provider review
Payments directly to verified federal agencies have an identifiable public recipient and purpose, limiting ordinary merchant-fulfillment uncertainty.
Why this category sits here
- Verified agency
- Payment purpose
- Official receipts
Operating assumptions
Authorized agency collections within the code's permitted scope.
What could raise the risk?
- Unverified intermediaries
- Misrouted payments
- Unauthorized payer use
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 106 · printed page 103 ↗The source title includes a geographic limitation; confirm regional applicability with the acquirer.
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.