Visa introduced the Visa Integrity Risk Program (VIRP).

The VIRP introduced new High-Integrity Risk categories, including MCCs

• 6012 – Financial Institutions—Merchandise, Services, and Debt Repayments,
• 6211 – Security brokers, dealers,
• 5968 – Direct marketing subscription merchants;

To comply with VIRP requirements, merchants falling under these MCCs must register within 60 days of notification, with an initial non-refundable application fee of USD 500 and an annual renewal fee of USD 500.

Here’s a comprehensive list of all VIRP High-Integrity Risk MCCs:

• MCC 5967: Direct Marketing—Inbound Teleservices Merchant Adult content and services (ie. website subscriptions and video streaming);
• MCC 7273: Dating and escort-related Services (ie online ads that include escort services or dating websites);
• MCC 7995: Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, Wagers at Race Tracks, and games of chance to win prizes of monetary value;
• MCC 5122: Drugs, Drug Proprietaries, and Druggist Sundries including Sales of prescription-required drugs;
• MCC 6051: Non-Financial Institutions—Foreign Currency, Non-Fiat Currency (for example Cryptocurrency), Money Orders (Not Money Transfer), Account Funding (not Stored Value Load), Travelers Cheques, and Debt Repayment;
• MCC 6012: Financial Institutions—Merchandise, Services, and Debt Repayment;
• MCC 4816: Computer Network/Information Services;
• MCC 5816: Digital Goods—Games (ie games of skill such as fantasy sports gaming where consumers pay a fee for the game itself or in-game services and the outcome of the game is determined by skill instead of luck);
• MCC 6211: Security Brokers/Dealers;
• MCC 5966: Direct Marketing—Outbound Telemarketing Merchant;
• MCC 5968: Direct Marketing—Continuity/Subscription Merchant;
• MCC 5993: Cigar Stores and Stands.

If you have any questions, please don’t hesitate to contact your CSM manager.