Overview
MCC 3654 is the merchant category code assigned to Loews Hotels, used to classify point-of-sale transactions for hotel stays and related hospitality services. When a cardholder books or pays at Loews Hotels, the transaction is classified under MCC 3654, enabling acquirers and issuers to apply lodging-specific interchange rates, fraud screening, and rewards programme rules.
Transaction Profile
Pre-authorization holds, multi-night stays, incidental charges, room service, resort fees, late checkout fees
Card Network Notes
MCC 3654 is within the hotel/lodging range (3501–3999), assigned to Loews Hotels. Recognised by Visa, Mastercard, and other major networks.
Risk & Compliance
Hotel and lodging transactions under MCC 3654 carry typical hospitality risks, including chargebacks related to no-show disputes, room rate discrepancies, incidental charges, and cancellation policy disagreements. Acquirers should ensure merchants maintain transparent pricing and clear cancellation policies. Pre-authorisation holds for incidentals are standard and must be handled in accordance with scheme rules.