Charitable & Social Service Organizations
Registered charities and social-service organisations.
What MCC 8398 covers
Merchant Category Code 8398 is the ISO 18245 identifier used by the card networks for charitable & social service organizations. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Registered charities and social-service organisations. Choosing the right MCC is critical: an incorrect code can lead to higher interchange, surcharges, or, in regulated categories, declined transactions and account holds.
How Cardflo handles MCC 8398
- Underwriting with acquirers that actively board MCC 8398 businesses in your region.
- Interchange-optimised pricing benchmarked monthly against your effective rate.
- Multi-acquirer redundancy so a single decline policy never takes you offline.
- Smart routing that scores each transaction by BIN, geography and live approval rate.
- Dedicated onboarding and account management, not a ticket queue.
Common questions
What is MCC 8398?
MCC 8398 identifies charitable & social service organizations. Registered charities and social-service organisations.
Does Cardflo accept MCC 8398 merchants?
Yes, MCC 8398 sits within our supported categories. We can usually return indicative pricing within one business day.
How long does onboarding take?
Most low-to-medium-risk MCCs are boarded inside a week. Regulated and higher-risk MCCs typically take 2–4 weeks depending on documentation.
Other MCCs in Professional Services & Membership
Ready for velocity?
Tell us about your business. We'll match you with the right acquiring partners and the right route, typically inside a week.