MCC 6012


In order to reduce fraud, Visa and Mastercard have mandated that all UK-based merchants with a Merchant Category Code (MCC) of 6012 are required to send additional fields in requests to Trust Payments. You will need to update the the payload submitted within your JWT to include these fields (only applies to AUTH and ACCOUNTCHECK request types).

Your Merchant Category Code (MCC) is a four-digit number assigned to you by your acquirer. It is used to classify the business by the type of products or services it provides. If you are unsure of the value of your merchant category code, please contact our Support Team.

For UK-based merchants with MCC 6012, failure to submit these fields may prevent the transaction from being processed successfully, with a “60025” errorcode being returned in the response.


Once you have processed an AUTH or ACCOUNTCHECK containing these required fields, they can be inherited in future requests, and passed onto the acquiring bank automatically, if required.



Field specification

The required fields are as follows:


Field name Type Length Request Description
customeraccountnumber Numeric  20 If account number type is “ACCOUNT”, the account holder’s account number.If account number type is “CARD”, the account holder’s card number.

The returned value in the response is in a masked format, e.g. “411111#######1111”.

customeraccountnumbertype Alpha  7 Either “CARD” or “ACCOUNT”.
customerdob Date YYYY-MM-DD  10 The account holder’s date of birth.
customerpostcode Alphanumeric 25 The customer’s postcode or ZIP code.

If the country provided is not United States, Great Britain or Canada, or if no country is provided, the postcode field is not validated.

customerlastname Alphanumeric including
127 The customer’s last name.


Request example

The following payload example includes the fields mandated by Visa and Mastercard for merchants with category code 6012:



investors in people logo   pci - security standards council logo

TRUST Payments LTD, No.1 Royal Exchange, London, EC3V 3DG.
A company registered in England and Wales with Company Number 04591066. VAT Number 756265116