MCC 4411: Cruise Lines
MDR (IC++)
0.5% - 3%
Markup over interchange + scheme
Rolling reserve
10% - 20%
Typical 180-day hold
Risk tier
Elevated
Typical acquirer treatment
Cruise lines, steamship lines, and ferries.
Elevated-tier codes are underwritten selectively. Expect closer file review, moderate reserves, and pricing that rewards a clean chargeback record.
Acquiring notes.
Cruise and ferry operators share the airline exposure profile, long prepayment windows and event-driven dispute waves, with the added underwriting angle of seasonal cash flow. Forward-sales reporting and sensible refund policies are what acquirers lean on. Reserves scale with how far ahead you sell.
Figures are typical ranges from the BZNpay MCC catalogue, not an offer. The acquiring bank makes the final code assignment and sets final terms. BZNpay places merchants in this category: one qualified file brings back 2 or 3 acquirers whose appetite covers it, typically within 24 hours.
MCC 4411 questions.
Who assigns MCC 4411?
Your acquiring bank assigns the MCC during underwriting, based on your business description and, increasingly, site-crawl and checkout review. The card networks define the list of codes and the rules for each one.
What does MCC 4411 cost to process under?
In our catalogue, 4411 typically carries an MDR of 0.5% - 3% IC++ (markup over interchange and scheme fees) with a rolling reserve of 10% - 20%. Where you land in the band depends on licensing where applicable, financials, and chargeback history. Final terms are set by the acquirer.
Can I process under a different, lower-risk code?
No. Operating under an MCC that does not match your actual business is miscoding, which card networks detect and punish with termination plus MATCH-list placement. If you believe your current code genuinely misrepresents your business, an acquirer can review and re-code.
Other codes in Travel & Lodging.
Processing under 4411? Read how we place Travel and OTAs merchants.