The Merchant Category Code (MCC) is the all-important four-digit number that determines whether you earn big bonuses on a transaction, or walk away empty-handed.
In the past, checking MCCs was an arduous task, and only possible after the fact. But in recent times, consumers have benefitted from tools like the DBS digibot and HeyMax, which allow them to verify an MCC before spending a single cent.
Now there’s an additional resource available: the Instarem app.
Checking MCCs with Instarem app
In order to check MCCs via the Instarem app, you’ll need to update it to the latest version.
Once that’s done, login to the app, tap on Activity (at the bottom right corner), then pick a transaction. The MCC will be listed towards the bottom; you can cross reference it against this list to get the full description.
MCCs are available for any transaction up to one year ago, which is the maximum historical data that the Instarem app displays.
As useful as it is to check past transactions, you can also use this feature to check MCCS before spending. All you need to do is put a temporary block on your Amaze Card, which can be done by tapping on Card > Lock Card.
|💡 Alternative method
|If you prefer not to block your card, you can also choose the Amaze Wallet as your funding source, provided it has an insufficient balance to carry through with the transaction.
After this, attempt to pay the merchant. The transaction will fail, of course, but you can then go back to the Instarem app, tap on Activity, and see the failed transaction’s details- including MCC.
Now, a brief caveat here. The above is based on reports from the MileLion community. I personally have not been able to replicate this, because declined transactions do not appear in my Activity tab. That said, it could just be a me-problem, because I’ve seen successful reports from both Android and iOS users.
Other ways of checking MCCs
In addition to the Instarem app, there are two other ways of checking MCCs before spending:
The DBS “block card” method is temporarily unavailable because the digibot is no longer displaying MCCs. DBS has clarified that this is a bug they’re in the process of fixing, but honestly speaking, it’s been made redundant by the Instarem app which requires far fewer steps.
HeyMax is a portal that lets you look up MCCs just by typing in the merchant name, and while it’s generally reliable, it’s less useful in situations where a merchant processes transactions under a range of MCCs (e.g. e-commerce sites like Amazon, Lazada, Qoo10, Shopee). It can list you all the potential MCCs, but can’t tell you exactly which one will be used.
That’s why I’d consider the Instarem app to be the gold standard for checking MCCs, because you can be assured that whatever appears there is how the actual transaction will code.
Verifying MCCs before or after spending just got a whole lot easier with Instarem’s latest app update, so be sure to update your version and check it out.
Who needs the Visa Supplier Locator, eh?