Penta Hotels
MCC 3653 is the four-digit Merchant Category Code (ISO 18245) for Penta Hotels. Card networks and banks attach it to a merchant to describe what they sell, and it falls under the Lodging (hotels & resorts) group. The MCC can influence the cashback or rewards category a purchase earns, whether a surcharge is allowed, interchange pricing, and how the spend is reported — so two similar shops can differ if their acquirers categorised them differently.
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What does MCC 3653 mean?
MCC 3653 is the Merchant Category Code for Penta Hotels. Card networks assign it to merchants in that line of business, and it sits in the Lodging (hotels & resorts) group.
What is a Merchant Category Code (MCC)?
An MCC is a four-digit code (ISO 18245) that classifies a business by what it sells. Card networks and banks use it to apply interchange rates, rewards categories, tax rules and spending controls to a transaction.
Where is MCC 3653 used?
It appears in card-transaction data for merchants categorised as Penta Hotels. It can affect cashback/points categories, surcharge rules and expense reporting — but it is set by the acquirer, so similar businesses can occasionally differ.