MCC 7800: Government-Owned Lotteries
MDR (IC++)
0.5% - 5%
Markup over interchange + scheme
Rolling reserve
5% - 15%
Typical 180-day hold
Risk tier
High-risk
Typical acquirer treatment
Government-Owned Lotteries.
High-risk codes are declined outright by most mainstream acquirers. Placement runs through specialists who underwrite the vertical knowingly, and terms track the strength of the file.
Acquiring notes.
Government-owned lotteries are the most conservative corner of gambling acquiring: the counterparty is usually a state entity or concession holder, and underwriting focuses on the mandate behind the operation. The buyer pool is narrow but motivated, since dispute profiles are typically mild compared with open iGaming.
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 7800 questions.
Who assigns MCC 7800?
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 7800 cost to process under?
In our catalogue, 7800 typically carries an MDR of 0.5% - 5% IC++ (markup over interchange and scheme fees) with a rolling reserve of 5% - 15%. 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.