MCC 8398: Charitable and Social Service Organizations

MCC 8398 classifies merchants recorded as charitable and social service organizations. 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 8398 is listed as charitable and social service organizations, while MCC 8661 is listed as religious organizations. The merchant account that processes the payment determines which code appears.