Overview
MCC 3646 is the merchant category code assigned to Swallow Hotels, used to classify point-of-sale transactions for hotel stays and related hospitality services. When a cardholder books or pays at Swallow Hotels, the transaction is tagged with this code.
Transaction Profile
Pre-authorization holds, multi-night stays, incidental charges, room service, resort fees, late checkout fees
Card Network Notes
MCC 3646 is within the hotel/lodging range (3501–3999), assigned to Swallow Hotels. Recognized by Visa, Mastercard, and other major networks.
Risk & Compliance
Hotel and lodging transactions under MCC 3646 carry typical hospitality risks, including chargebacks related to no-show disputes, room rate discrepancies, incidental charges, and cancellation policy disagreements. Acquirers should apply standard hotel monitoring protocols for Swallow Hotels transactions.