Visa Supplier Locator: Find the MCC of any merchant in Singapore

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Finally: An easy way to find the MCC of any given merchant in Singapore, before making a transaction.

Back in 2017 I wrote about the Visa Supplier Locator, an online tool that allows you to look up the MCC of any given business. This had incredible potential, not in the least because you could know in advance which credit card to use. The problem? It was only available in the USA.

I lost interest after that, but I’ve just learned that the Visa Supplier Locator has been extended to Singapore. At the risk of hyperbole, this could well be one of the most exciting developments in the Singapore miles and points game to date. 

Visa Supplier Locator now available for Singapore

The Visa Supplier Locator is a dream come true. 

All you need to feed it is two pieces of information: a location, and a supplier name. It then searches its database and shows you potential hits, together with the all-important MCC. 

💳 Do Visa and Mastercard use different MCCs?
With a few exceptions, Visa and Mastercard have very similar MCC codes. There may be a handful of cases where a merchant codes differently on one platform than another (for example, GrabPay top-ups code as 6540 for Mastercard, versus 6051 for Visa), but I wouldn’t get too worried about it. The vast majority of merchants should code the same.

Suppose you wanted to know the MCC for a mobile phone shop, let’s say Red White Mobile. Put “Singapore” in the address box (ignore the dropdown options), then type “red white mobile” in the supplier name field. 

That’s all you need. Scroll to the bottom, complete the CAPTCHA, and click search.

Beautiful. Just like that, we have their MCC: 4812- Phone Services & Equipment. It’s exactly the same process, whether you’re looking for restaurants or beauty parlors or dental clinics. 

It even works for online merchants too. Suppose I wanted to check Shopee’s MCC…

…or Lazada’s. Note how they process under a range of MCCs, depending on what you’re buying. 

A particularly good use case would be for medical services and hospitals. For example, I can see that Cordlife doesn’t code as a hospital (and therefore should continue to earn points with UOB cards from 1 February 2021).

I can even look up individual medical practices within a given hospital.

People keep asking what MCC different educational institutions code as. Now we know.

For all those asking whether RazerPay top-ups will earn points, here’s your answer.

And if you’re too shy to ask for this data point in The Milelion’s Telegram Group

I could go on and on, but you get the picture. 

Is there a catch?

I’ve noticed quite a few merchant addresses are obviously wrong. For some reason, the Visa Supplier Locator likes to give multiple businesses the same “Sundaram Tagore Gallery Pte Ltd 5 Lock Road Singapore” address. This begs the question: if the tool can pull the wrong address, could it be pulling the wrong MCC? I can’t rule it out, but most of the MCCs I’ve seen so far have made sense.

You may need to exercise some common sense though, as seen in this Deliveroo example. Deliveroo can’t possibly be coding as MCC 4215; a much more logical candidate is 5812 or 5814. 

PayPal is an interesting search term. I know there isn’t a fixed PayPal MCC (it depends on what you’re buying), but I was hoping to get a listing of PAYPAL*MERCHANT NAME listings. Instead, I get results that don’t have PayPal anywhere in their name. Can someone figure out why this is happening? 

Finally, there’s also the possibility that the familiar trading name may not be the same as the business name. For example, I can’t find a listing for Helpling, which leads me to believe their registered business name may be something else. 

Conclusion

The Visa Supplier Locator is simply a treasure trove of data, and I’d encourage you to play around with it and familiarize yourself with the interface. This would save you a lot of MCC anxiety, especially before making a big ticket purchase. 

What an incredible tool to have. 

(HT: Daniel)

Aaron Wong
Aaron founded The Milelion with the intention of helping people travel better for less and impressing chiobu. He was 50% successful.

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Adam

Sure… “Toys/Hobbies/Craft/Games”

I guess at least one of those descriptions might be partially accurate.

Jason

http://WWW.HELPLING.COM.SG
120 ROBINSON ROAD, SINGAPORE, SINGAPORE

Distance 10.34 mi
Industry/MCC COMPUTER STORES/ SERVICES – 5734

Darren

it works when you key in “helpling singapore” as the Supplier Name

Edm

Wonder what does Facebook ads code as…

Anonymous

Eighteen Chefs was 5814 on MasterCard (I called bank to check on my recent transaction there) but returned as 5812 by the Visa tool.

Anonymous

In fact, a couple of eating places I frequent have different results on WhatCard & Visa Locator. Now I don’t know which one to trust.

Isaac

You know Visa and Mastercard are two different companies yea?

David

would not be nice to have an overview per credit card that shows for which MCC the maximum points are being collected, so once I check the Visa tool I can check the MCC and see which credit card to use best.

Lemon

Had a transaction at a Singpost branch last month to ship to parcel and it is coded under 9399 – Government Services-Not elsewhere classified. Which is different from the one on the Visa site:

SINGAPORE POST LIMITEDIDC 5 UBI LINK, SINGAPORE, SGP
Distance
6.8 mi
Industry/MCC
COURIER/ SHIPPING SERVICES/ FREIGHT – 4215

yar

CHOPE.CO (SG GIFT CARD)
GENTING CENTRE 3 LIM TECK KIM ROAD, SINGAPORE, SINGAPORE
Industry/MCC RESTAURANTS/ BARS – 5812

Damn, thought it is Online. been using DBS Woman’s Card.

Abc

I searched for some hotel restaurants. For example, at mandarin oriental melt cafe and Cherry garden don’t return hits, but Morton’s and teppan-ya come up as 5812 restaurants/bars. Mandarin oriental makes clear on their website that Morton’s and teppan-ya are run independently of the hotel. I assume that those that don’t return hits are billed under the hotel system. Important for those with 4mpd dining cards (eg pp amex, HSBC rev, Maybank horizon, ladys)

Ken

How much ad$ is Sundaram Tagore paying Visa to show up on every listing?

Nicki

What does the merchant code for Razerpay mean? No 4miles/dollar?

LionDen

am trying to subscribe Google One services, anyone has idea what MCC it is, and therefore which miles card to use?

pol

this is really useful thanks!

mustafa MCC

Hi
I’m planning some large purchases at Mustafa. Does anyone know for sure the MCC for Mustafa Centre in at Syed Alwi Road? I’ve checked Whatcard and the Visa Supplier Locator – seems to be either 5331 or 5311. But the fact that there is a difference and that the address for Mustafa is that of a clinic on the VSL website makes me suspicious. Should we use the HSBC Revo or the like? Or maybe just to be safe use a high mpd general spend card instead?
Thanks in advance

K Tong

Is this still working? I typed Singapore and received an error message. Thanks.

J L

Is the tool gone? Link no longer works

Ortloc

Looks. Like Visa has pulled the MCC Supplier Locator. It was great while it lasted.

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