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Restriction of CRO Rewards Program and Restricted Markets for Crypto.com Visa Card
Restriction of CRO Rewards Program and Restricted Markets for Crypto.com Visa Card

Merchants and markets excluded from the Crypto.com Visa Card's CRO Rewards Program

Updated over a year ago

  1. Restricted MCC

  2. Restricted Markets

Crypto.com Visa Card transactions that are excluded from the CRO Rewards program include, but are not limited to, the following merchant categories or channels:

Code

Description

Included in this MCC

4829

Merchants classified with this MCC allow customers to transfer funds via an electronic funds transfer/wire transfer/remittance (both card-present and card absent locations including on the premises of the merchant and third-party agents such as casinos, truck stops, or check-cashing storefronts) or via an original credit transaction (e.g., via Visa Direct or Person to Person [P2P] payments).

  • Wire Transfer

4900

Merchants classified with this MCC provide the ongoing generation, transmission, and/or distribution of electric or gas power or other utility services. This MCC also includes merchants that provide water supply system services and merchants primarily engaged in the collection and disposal of refuse.

  • Electric Utilities

  • Garbage Collectors

  • Gas Utilities

  • Public Utilities

  • Sanitary Utilities

  • Services – Electric Utilities

  • Services – Gas Utilities

  • Services – Sanitary

  • Utilities

  • Services – Waste

  • Management

  • Services – Water Utilities

  • Water Utilities

5734

Merchants classified with this MCC sell computer software programs for business and personal use and may also sell or lease computer hardware or other related products

  • Computer Software Programs

5947

Merchants classified with this MCC sell gifts and novelty items, greeting cards, balloons, souvenirs, holiday decorations, stationery, wrapping paper and bows, photo albums, and a limited selection of office supplies.

  • Memorabilia, Souvenir shops

  • Novelty Shops

  • Souvenir, Memorabilia shops

6012

Merchants classified with this MCC are associated with Financial Institutions for the purchase of merchandise or services from or the repayment of debts to banks, savings and loans, thrifts, and credit unions. For example, the purchase of checks, other financial products, or promotional merchandise, deposits, the funding of an account, the purchase or reload of a stored-value card, the purchase of foreign currency, non-fiat currency (for example, cryptocurrency), money orders (a negotiable paper-based remittance – not a Money Transfer), travellers cheques, and loan fees or financial counselling service fees. This MCC may also be used for merchants involved in repayment of a debt, loan, or credit card balance by a cardholder to the financial institution.

  • Account Funding - Financial Institution

  • Banks – Financial Institutions - Merchandise, Services

  • Credit Unions – Financial Institutions –Merchandise, Services

  • Deposits – Financial Institutions

  • Merchandise, Services – Financial Institutions

  • Mortgage Companies – Financial Institutions

  • Purchase of Foreign currency, non-fiat currency (for example, cryptocurrency), money orders (Not Money Transfer) and Travelers Cheques –Financial Institution

  • Loan Payments –Financial Institution

  • Savings and Loans –Financial Institutions –Merchandise, Services

  • Services – Banks, Credit Unions, Financial Institutions (Non-Cash)

  • Stored Value Card

6051

Merchants classified with this MCC are associated with the funding of an account (excluding prepaid card loads), the purchase of foreign currency, non-fiat currency (for example, cryptocurrency), money orders, or travellers cheques that occur at non-Financial Institutions such as currency exchanges or money order (a negotiable paper-based remittance – not a Money Transfer) merchants.

may also be used for merchants involved in the repayment of a loan or debt if the entity that holds the debt is not a financial institution.

  • Account Funding –(Non-Financial Institutions)

  • Currency – Non-Fiat (for example, Cryptocurrency)

  • Currency – Foreign (Non-Financial Institutions)

  • Exchange – Foreign Currency (Non-Financial Institutions)

  • Foreign Currency (Non-Financial Institutions)

  • Lease Payments

  • Loan Payments

  • Money – Foreign Currency (Non-Financial Institutions)

  • Money Orders – Not Money

  • Transfer (Non-Financial Institutions)

  • Mortgage Companies – (Non-Financial Institutions)

  • Services – Money Order,

  • Travellers Cheques,

  • Foreign Exchange (NonFinancial Institutions)

  • Travellers Cheques (Financial Institutions)

  • Travellers Cheques (Non-Financial Institutions)

6211

Merchants classified with this MCC are licensed, in all jurisdictions, they sell into to buy, sell and broker securities, stocks, bonds, commodities, and mutual funds.

  • Bond Dealers Brokers – Securities, Mutual Funds, Stocks, Commodities, Bonds

  • Commodity Dealers

  • Dealers – Securities, Mutual Funds, Stocks, Commodities, Bonds

  • Foreign Currency Purchase

  • Licensed Foreign Exchange

  • Trading

  • Binary Options

  • Investment Firms – Dealers, Brokers

  • Mutual Funds

  • Brokers Stock Brokers

6300

Merchants classified with this MCC sell personal or business insurance policies such as automobile, life, health, hospital, medical, and dental insurance, homeowners’ and renters’ insurance, real estate title insurance, pet health insurance and flood, fire, or earthquake insurance.

  • Automobile Insurance – Sales (Non-Direct Marketing)

  • Health Insurance – Sales

  • Homeowners Insurance – Sales

  • Life Insurance – Sales

  • Medical Insurance – Sales

  • Product Warranties

6513

Fees charged by merchants engaged in the rental and management of residential and commercial properties, such as real estate agents, brokers, and managers, and apartment rental services. Such fees may include management fees, real estate rental commissions, and real estate rental payments.

  • Real Estate Agents and Managers

  • Rentals

6532

This MCC may be used only to identify Payment Transactions. A Payment Transaction allows Mastercard cardholders to transfer funds to a Mastercard account. A Payment Transaction does not reverse a previous Mastercard purchase transaction and must be authorized by the issuer

  • Payment Transaction - Customer Financial Institution

6540

Merchants classified with this MCC are associated with the initial purchase and/or any subsequent reloads of stored value cards (including Visa Prepaid Cards) occurring at non-financial institutions.

  • Account Funding – (Non-Financial Institutions)

  • Stored Value Card/Load (Non-Financial Institutions)

7372

Merchants classified with this MCC provide computer programming services, systems design, website design, data entry, and data processing services.

Merchants classified with this MCC are business-tobusiness or wholesale provisioners of online or database information retrieval services.

  • Computer Software Design

  • Systems Design – Computer

8999

Merchants classified with this MCC provide professional services that are not classified with a more specific MCC.

  • Appraisers Auction

  • Houses Brokers – Mortgage, Loan

  • Court Stenographer

  • Financial Planners

  • Graphic Designers

  • Guest Speakers, Lecturers

  • Lecturers

  • Market Research Firms

  • Mortgage Brokers

  • Property Appraisers

  • Public Speakers

  • Real Estate Appraisers

  • Research Firms

9222

Government entities that administer and process local, state, and federal fines and penalties, motor vehicle violations, and community or property assessed fines.

  • Fines

9311

Merchants classified with this MCC are local, state, and federal entities that engage in financial administration and taxation including collection of taxes and penalties and custody and disbursement of funds.

  • Customs Bureaus

9399

Merchants classified with this MCC are government entities that provide general support services to government and communities are not classified with a more specific MCC.

  • DMV Department of Motor Vehicles

  • Fire Departments

  • Libraries Parks and Recreation

  • Police Departments

Crypto.com reserves its right to exclude any other merchant categories or channels not listed in the table above at its sole discretion.

Crypto.com Visa Card users won’t be able to make purchases with merchants based on the territory of these countries

Abbreviation

Name

US Crypto.com Visa Card

CA Crypto.com Visa Card

EU Crypto.com Visa Card

SG Crypto.com Visa Card

BR

Crypto.com Visa Card

AU

Crypto.com Visa Card

AFG

Afghanistan

X

X

X

X

X

ALB

Albania

X

BIH

Bosna and Herzegovina

X

BLR

Belarus

X

X

X

X

X

BDI

Burundi

X

X

X

X

MMR

Burma (Myanmar)

X

X

X

X

X

CAF

Central Africa Republic

X

X

X

X

X

COD

Congo Democratic Republic

X

X

X

X

X

X

CUB

Cuba

X

X

X

X

X

X

ERI

Eritrea

X

X

X

X

GNB

Guinea - Bissau

X

X

X

X

X

GIN

Guinea, Republic of

X

X

X

IRN

Iran

X

X

X

X

X

X

IRQ

Iraq

X

X

X

X

X

X

LBN

Lebanon

X

X

X

X

X

X

LBY

Libyan Arab Jamahiriya

X

X

X

X

X

X

MLI

Mali

X

X

X

X

X

MKD

North Macedonia

X

MNE

Montenegro

X

PRK

North Korea

X

X

X

X

X

X

RUS

Russia

X

X

X

X

X

X

SOM

Somalia

X

X

X

X

X

X

SSD

South Sudan

X

X

X

X

X

X

SRB

Serbia

X

SDN

Sudan

X

X

X

X

X

X

SYR

Syria

X

X

X

X

X

X

TUR

Turkey

X

UKR

Ukraine

X

X

X

X

X

VEN

Venezuela

X

X

X

X

X

YEM

Yemen

X

X

X

X

X

X

ZWE

Zimbabwe

X

X

X

X

X

XK

Kosovo

X

X

QZ

QZ*

X

X

X

X

X

* Countries and territories not specified for commercial or military reasons in the framework of trade with third countries

Changelog:

May 11, 2023, 09:00 UTC - RU prohibited countries update

Nov. 7, 2022, 14:00 UTC - AU Visa cards prohibited countries update

Aug. 18, 2022, 14:00 UTC - RU prohibited countries update

Jan 17, 2022, 13:30 UTC - BR/AU prohibited countries update

Jan 10, 2022, 09:00 UTC - Added 9222 MCC for Fines

Jan. 05, 2022, 11:30 UTC - Added 6513 MCC for Real estate and rental

Oct. 27, 2021, 08:30 UTC - Visa Card restricted markets update

Oct. 06, 2021, 14:30 UTC - CA Visa cards prohibited countries update

Aug. 30, 2021 08:00 UTC - Restricted MCC Update

Jun. 15, 2021, 06:30 UTC - CA Visa cards prohibited countries update

Feb. 18, 2021, 17:00 UTC - US and CA Visa cards prohibited countries update

Nov. 20, 2020, 07:00 UTC - MCO Visa Card renamed as Crypto.com Visa Card

Nov. 25, 2020, 05:00 UTC - Minor language edits

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