MCC 4814 covers FAX SERVICES, TELECOMMUNICATION SERVICES merchants, classified under utilities. To maximize rewards at these businesses, look for credit cards with broad spending bonuses or utilities category multipliers. MCC Lookup Tool to find which cards earn bonus rewards here.
Businesses like AT&T, Verizon, and Sprint use MCC 4814 for fax services and telecommunications. Specific purchases include phone bills, internet service plans, and business-grade fax machines.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 4814 (fax services, telecommunication services). Your card issuer uses this code to determine whether utilities category bonuses apply — so knowing which merchants trigger this code helps you choose the right card before you spend.
Cardholders often think only landline phones get coded here but it also includes mobile services and high-speed internet.
This distinction matters because different MCC codes can trigger different bonus rates on your credit card, even for similar types of merchants. Always check your transaction statement to confirm which MCC posted — some card issuers allow you to see the MCC in their app or online portal.
MCC 4814 stands for Fax services, Telecommunication Services. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the utilities category.
Merchants classified under MCC 4814 (Fax services, Telecommunication Services) operate in the utilities sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 4814 (Fax services, Telecommunication Services) is not currently a dedicated bonus category for most major credit cards. For utilities spending at these merchants, a flat-rate rewards card (1.5–2% on all purchases) is typically your most reliable option. Use our MCC Lookup Tool to find the best card for any specific merchant.
Currently, no credit cards in our database have a dedicated bonus category for MCC 4814 (Fax services, Telecommunication Services). Most purchases posting with this code will earn base rewards (typically 1–1.5x on everyday cards). A flat-rate cashback card is the most predictable choice for utilities spending.
MCC 4814 is assigned to businesses providing fax services, telecommunication services services. While this is a less common merchant category, any purchase that posts with code 4814 will be classified as 'Fax services, Telecommunication Services' by your card issuer, which determines whether utilities category bonuses apply to that transaction.
MCC 4814 (Fax services, Telecommunication Services) and MCC 4812 (Telecommunications Equipment including telephone sales) are both in the utilities category but cover distinct merchant types. MCC 4814 is used for fax services, telecommunication services businesses, while MCC 4812 is assigned to telecommunications equipment including telephone sales merchants. Both may qualify for the same bonus category on your card — check your card's terms or use our MCC Lookup Tool to confirm.