MCC 6540
POI Funding Transactions (Excluding MoneySend) (Visa: Non-Financial Institutions – Stored Value Card Purchase/Load)
MCC Code
6540
Category
Financial
Known Merchants
10+
About MCC 6540
On Mastercard, 6540 covers point of interaction (POI) funding transactions other than MoneySend, used when a card is charged to fund another account such as a prepaid card or digital wallet. Visa's manual titles the same code Non-Financial Institutions – Stored Value Card Purchase/Load.
Merchant Information
Prepaid card programmes, wallet top-ups and stored-value load providers. Many card issuers exclude wallet top-ups from rewards or treat them as cash-like transactions; check your card's terms.
Best credit card for MCC 6540
Merchants Using MCC 6540
P = Primary MCC for this merchant|S = Secondary/Alternative MCC
Get full merchant data via our API. Seen a merchant use MCC 6540? Report it.
API Access
Related MCC Codes in Financial
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MCC 6010
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MCC 6011
Financial Institutions – Automated Cash Disbursements
MCC 6012
Merchandise and Services (Financial Institutions)
MCC 6040
Savings Institutions and Savings and Loan Associations
MCC 6211
Security Brokers/Dealers
MCC 6529
Remote Stored Value Load - Member Financial Institution
MCC 6530
Remote Stored Value Load
MCC 6540 is a four-digit Merchant Category Code used to classify businesses that provide poi funding transactions (excluding moneysend) (visa: non-financial institutions – stored value card purchase/load). This code falls under the Financial category.
Credit card networks like Visa and Mastercard use MCC 6540 to:
- Categorize transactions at merchants classified as "POI Funding Transactions (Excluding MoneySend) (Visa: Non-Financial Institutions – Stored Value Card Purchase/Load)"
- Determine rewards and cashback eligibility for cardholders
- Enable expense tracking and reporting for businesses
- Power fraud detection systems
Developers can access MCC 6540 data through our REST API. Use our merchant lookup feature to automatically categorize transactions or build financial tools that require merchant classification.
Credit card rewards programs use MCC codes to determine which purchases qualify for bonus categories. If your credit card offers enhanced rewards on financial spending, transactions at merchants using MCC 6540 may qualify.
Common cards that may offer bonuses on financial purchases include:
- Cards with rotating quarterly categories
- Category-specific cards (dining, travel, etc.)
- Premium cards with broad category bonuses
Always check your card's terms to verify which MCC codes qualify for bonus rewards.
What is MCC code 6540?
MCC 6540 is a four-digit Merchant Category Code that classifies businesses as "POI Funding Transactions (Excluding MoneySend) (Visa: Non-Financial Institutions – Stored Value Card Purchase/Load)". This code falls under the Financial category and is used by credit card networks to categorize transactions.
What types of businesses use MCC 6540?
Businesses classified under MCC 6540 typically include those that provide poi funding transactions (excluding moneysend) (visa: non-financial institutions – stored value card purchase/load). We have 10+ merchants in our database using this MCC code.
Does MCC 6540 qualify for credit card rewards?
Whether MCC 6540 qualifies for bonus rewards depends on your credit card's terms. Cards that offer bonuses on financial spending may reward transactions at merchants using this code. Check your card's reward categories to confirm.
How can I look up MCC 6540 programmatically?
You can access MCC 6540 data through our REST API. Sign up for a free API key to query MCC codes, get merchant mappings, and integrate MCC data into your applications.