Overview
MCC 7995 covers merchants operating gambling and wagering services, including land-based casinos, online gambling platforms, sportsbooks, and lottery ticket vendors. This code is applied where the primary business activity involves accepting wagers or bets from cardholders.
Transaction Profile
Transactions are predominantly card-not-present for online platforms, with card-present activity at physical casino cashier terminals and kiosks. Average ticket size varies widely — from low-value frequent bets to high-value single transactions. Chargebacks are elevated due to buyer's remorse and disputed losses.
Card Network Notes
Visa and Mastercard classify gambling transactions as a restricted category requiring explicit acquirer approval and dedicated merchant IDs. Many issuing banks apply blanket declines for this MCC by default. 3DS authentication is strongly recommended and in many jurisdictions mandatory.
Risk & Compliance
MCC 7995 is classified as high risk by all major card networks. Merchants require a specialist acquirer with gambling licensing expertise. Enhanced KYC, AML compliance, responsible gambling controls, and chargeback monitoring are standard requirements. Regulatory requirements vary significantly by jurisdiction.