MCC 7523

What MCC Code Does Paybyphone Use?

Plus: the best credit cards to use at Paybyphone for maximum rewards in 2026.

By PointsPick Team, Credit Card Research Team  ·  Updated April 2026

Quick Answer

Paybyphone uses MCC code 7523 (Automobile Parking Lots and Garages). The best credit card is the Signify Business Cash, earning 2x rewards on this category.

Best Credit Cards at Paybyphone

Paybyphone transactions are processed under MCC 7523 (Automobile Parking Lots and Garages, category: car_rental). These cards earn the highest rewards:

Card Earning Rate Annual Fee Issuer
Signify Business Cash 2x No annual fee Wells Fargo Apply Now
Active Cash 2x No annual fee Wells Fargo Apply Now
Freedom Unlimited 2x No annual fee Chase Apply Now

Rates and fees as of April 2026. Verify with issuer before applying.

Quick Reference

All cards for MCC 7523 Paybyphone merchant page MCC lookup tool Best credit cards

Frequently Asked Questions

What MCC code does Paybyphone use?

Paybyphone uses MCC code 7523, which is classified as "Automobile Parking Lots and Garages". This determines which credit card bonus categories apply to purchases at Paybyphone.

What is the best credit card to use at Paybyphone?

The best credit card at Paybyphone is the Signify Business Cash, which earns 2x points/miles on purchases coded as MCC 7523 (Automobile Parking Lots and Garages).

Does Paybyphone qualify for grocery credit card bonuses?

Paybyphone uses MCC 7523 (Automobile Parking Lots and Garages). This means purchases at Paybyphone do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).