MCC 3856 is the merchant category code assigned to Banyan Tree Hotels & Resorts, used to classify point-of-sale transactions for hotel stays and related hospitality services. When a cardholder books or pays at Banyan Tree Hotels & Resorts, 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 3856 is within the hotel/lodging range (3501–3999), assigned to Banyan Tree Hotels & Resorts. Recognized by Visa, Mastercard, and other major networks.

Risk & Compliance

Hotel and lodging transactions under MCC 3856 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 Banyan Tree Hotels & Resorts transactions.