MCC 4722: Travel Agencies & Tour Operators
MDR (IC++)
0.5% - 3%
Markup over interchange + scheme
Rolling reserve
10% - 20%
Typical 180-day hold
Risk tier
Elevated
Typical acquirer treatment
Travel agencies, online travel agencies, and tour operators.
Elevated-tier codes are underwritten selectively. Expect closer file review, moderate reserves, and pricing that rewards a clean chargeback record.
Acquiring notes.
Travel agencies and tour operators are underwritten on delivery risk: the gap between payment and travel date is credit exposure the acquirer carries if you fail. Expect questions about booking horizons, supplier payment terms, and protections such as bonding or trust arrangements where your markets require them. Reserves here reflect that forward book, and they soften as history accumulates.
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 4722 questions.
Who assigns MCC 4722?
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 4722 cost to process under?
In our catalogue, 4722 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 4722? Read how we place Travel and OTAs merchants.