Overview

Dynamic MCC allows a merchant or partner to process multiple MCCs under a single account while dynamically passing the Dynamic MCC value as an input in each initiated payment. The list of MCCs intended for processing must be authorized in advance; any unauthorized MCC is filtered out by the Nuvei gateway. A processed MCC is returned in the API response or DMN.

MCC Reference

REST API 1.0

/payment

In a /payment request, include the mcc parameter with an authorized MCC value.

Example /payment Request with mcc

{
  "sessionToken": "{{sessionToken}}",
  "merchantId": "{{merchantId}}",
  "merchantSiteId": "{{merchantSiteId}}",
  "clientRequestId": "{{clientRequestId}}",
  "timeStamp": "{{timestamp}}",
  "checksum": "{{checksum}}",
  "currency": "{{currency}}",
  "amount": "{{amount}}",
  "mcc": "1234",
  "paymentOption": {
    "card": {
      "cardNumber": "4000020951595032",
      "cardHolderName": "john smith",
      "expirationMonth": "12",
      "expirationYear": "25",
      "CVV": "217"
    }
  },
  "billingAddress": {
    "address": "340689 main St.",
    "city": "London",
    "country": "GB",
    "email": "[email protected]"
  },
  "deviceDetails": {
    "ipAddress": "1.1.1.1"
  },
  "urlDetails": {
    "notificationUrl": "https://webhook.site/9e40802f-7001-41da-b76f-531fd928eac1"
  }
}

/openOrder

In an /openOrder request, include the mcc parameter with an authorized MCC value.

Example /openOrder Request with mcc

{
  "merchantId": "1234567890123456789",
  "merchantSiteId": "987654",
  "userTokenId": "user_842791",
  "clientUniqueId": "ORDER-2026-00045",
  "clientRequestId": "REQ-9F3A21C6",
  "currency": "USD",
  "amount": "200.00",
  "amountDetails": {
    "totalHandling": "5.00",
    "totalShipping": "10.00",
    "totalDiscount": "15.00",
    "totalTax": "0.00"
  },
  "items": [
    {
      "name": "Organic Protein Powder",
      "price": "120.00",
      "quantity": "1"
    },
    {
      "name": "Shaker Bottle",
      "price": "80.00",
      "quantity": "1"
    }
  ],
  "transactionType": "Sale",
  "mcc": "5462",
  "billingAddress": {
    "firstName": "John",
    "lastName": "Doe",
    "email": "[email protected]",
    "phone": "+1-212-555-0147",
    "address": "120 Broadway",
    "city": "New York",
    "country": "US",
    "state": "NY",
    "zip": "10271",
    "cell": "+1-212-555-0198",
    "county": "New York",
    "addressMatch": "Exact",
    "addressLine2": "Floor 5",
    "homePhone": "+1-212-555-0101",
    "workPhone": "+1-212-555-0102"
  },
  "userDetails": {
    "firstName": "John",
    "lastName": "Doe",
    "email": "[email protected]",
    "phone": "+1-212-555-0147",
    "address": "120 Broadway",
    "city": "New York",
    "country": "US",
    "state": "NY",
    "zip": "10271",
    "dateOfBirth": "1985-06-18",
    "county": "New York",
    "locale": "en-US",
    "cell": "+1-212-555-0198"
  },
  "shippingAddress": {
    "firstName": "John",
    "lastName": "Doe",
    "email": "[email protected]",
    "phone": "+1-212-555-0147",
    "address": "120 Broadway",
    "city": "New York",
    "country": "US",
    "state": "NY",
    "zip": "10271",
    "cell": "+1-212-555-0198",
    "county": "New York"
  },
  "deviceDetails": {
    "deviceType": "Desktop",
    "deviceName": "Windows PC",
    "deviceOS": "Windows 11",
    "browser": "Chrome",
    "ipAddress": "203.0.113.45"
  },
  "dynamicDescriptor": {
    "merchantName": "Wellness Store",
    "merchantPhone": "+1-800-555-6677"
  },
  "merchantDetails": {
    "customField1": "Membership-Sale",
    "customField2": "SpringCampaign"
  },
  "customSiteName": "Wellness Online Shop",
  "productId": "WS-PLATINUM-01",
  "customData": "campaign=SPRING_2026",
  "webMasterId": "WM-102938",
  "timeStamp": "20260503113045",
  "checksum": "e5cdbfa52e0b8c3a90e31d6f6f9e7c42"
}