Not online transaction.
VS card may get rebate under Grocery category.

6012 is safer than 6540 (possibility to reclassify prepaid card / quasi-cash issue).
Maybe Bigpay changes the acquiring bank!

Only if using HLB's card machine (new).
Not under groceries if using CIMB's machine.

Most likely under Pharmacy.
But the CIMB machines are being phased out at Guardian+Giant+ColdStorage outlets.

HLB machines support UnionPay, Amex.
HLB machines can support e-wallets, including Alipay/Wechat (China).
I also found another HLB's machine for Cashout - I assume Giant will offer cash-out from Debit card soon (quite common in UK). Giant did offer a similar service a few years ago.

Possible.
Watson's - Pharmacy or Departmental.
Guardian - Pharmacy or Groceries.

You didn't search. Keyword - DIY.

Use Bigpay to test. Pay RM1/10 you will know the category.

[quote=Johnslow,May 5 2020, 06:18 PM]
both

[/quote]

really both? thats very good. will try.

[/quote]

There is No online MCC.
Online is Mode of Payment, not a part of Merchant Categories.

Owned by Thai's CP Group now.
In Thailand, from Tesco-Lotus to Lotus's.
CP also owns 7-eleven Thailand.
In China, it is known as 卜蜂莲花.

This post has been edited by ClarenceT: Feb 23 2021, 06:31 PM

It is a mode of payment, not a MCC.
eg a particular supermarket with MCC 5411, but can be processed online, direct debit or P.O.S. etc

This post has been edited by ClarenceT: Apr 10 2021, 05:42 AM

It will be "BIGPAY MY-ECOM KUALA LUMPUR MY" when posted, the acquiring bank is RHB.

Senheng/SenQ stores are having a lot of credit card devices from different banks. Don't think all the devices use same MCC.

Not "same merchant" but Same card machine / payment channel.
A merchant may have different card machines or payment channels, a MCC is assigned by respective service provider ("Acquirer").
eg Shopeepay, served by at least 2 banks ("Acquirer), Maybank (ShopeePay Top Up) and Public Bank (Shopeepay Msia), you can't select the payment channel.
Your card issuers (different bank CCs) can't choose or modify the MCC, the data is from the "Acquirer".
eg a particular Guardian store (not all Guardian outlets) in my area, it had 2 card machines, from CIMB (MCC - Pharmacy) and Hong Leong Bank (MCC - Groceries). if I swipe any CC at CIMB card machine -> Pharmacy MCC; If I swipe any CC at HLB card machine -> Groceries MCC.

This post has been edited by ClarenceT: Sep 15 2021, 06:35 PM

Online is Mode of Payment, not MCC.

Ipay88 is just a service provider helping bank to serve the merchants. The merchant should be assigned the MCCs (can be more than 1 MCC as the merchant may have different kind of businesses), but each transaction will carry 1 MCC only.

Where did you get the MCC?
I got it Government MCC a few days ago.

The description had been changed for a few months already, now engaged GHL instead of directly served by bank.

This post has been edited by ClarenceT: Nov 4 2022, 09:02 AM


Attached thumbnail(s)

If 6540, bad news for you (27/10), good news but also bad news for me.

P/S: from my HLB Wise October transactions, if it is 6540, I should have earned RM1 CB (Others), but I didn't get any CB so it was still Government MCC (transaction on 28/10)

This post has been edited by ClarenceT: Nov 4 2022, 09:37 AM

Yes the payment to Taobao China is now handled by Alipay Malaysia (ie Lazada Wallet).
Alipay Malaysia Sdn Bhd is an e-money issuer (mainly E-wallet) permitted by Bank Negara.

This post has been edited by ClarenceT: Nov 6 2022, 10:25 AM

I think there is an indicator at the receipt.
Looks like "SMKT" or similar.
This indicator won't appear at the CC statement.