MCC 6540: POI Funding Transactions (Excluding MoneySend)

MCC 6540 classifies merchants recorded as poi funding transactions (excluding moneysend). It describes the business accepting the payment, not the exact item you bought.

Most banks show a spending category in the app or statement instead of the four-digit MCC. Use that category to narrow down likely codes, then ask the issuer for the exact code on the posted transaction if you need to confirm it.

The MCC alone cannot establish eligibility. Check your card issuer's eligible codes and exclusions for the posted transaction; some transaction types earn no category bonus.

Card issuers can apply different reward rules to merchant codes, payment channels and excluded transactions. A checkout processed by another merchant account may also appear under another MCC.

MCC 6540 is listed as poi funding transactions (excluding moneysend), while MCC 6513 is listed as real estate agents and managers - rentals. The merchant account that processes the payment determines which code appears.