Configuring Merchant Category Code (MCC) Restrictions

Enforcing Corporate Spend Policies To prevent out-of-policy spending before it happens, Onyx allows Administrators to block transactions at the terminal level based on the vendor's Merchant Category Code (MCC). This ensures corporate funds cannot be spent on restricted categories such as gambling, alcohol, or unauthorized software subscriptions.

Step-by-Step Configuration To apply a block-list to a specific department or cardholder group, follow these steps:

1. Navigate to the Onyx Admin Portal and select Spend Policies.

2. Click Create New Policy or edit an existing one.

3. Scroll to the Category Restrictions panel.

4. Toggle the switches to Blocked for restricted categories (e.g., MCC 7995: Betting/Casino, MCC 5921: Liquor Stores).

5. Click Deploy Policy to push the rules instantly to all active virtual and physical cards.

Managing Override Requests Occasionally, a legitimate business expense may be flagged and declined due to an MCC mismatch by the vendor.

• Cardholders will receive an instant push notification via the Onyx Mobile App explaining the decline.

• They can tap Request Temporary Override directly in the app.

• Finance Controllers can approve this override via their dashboard, opening a 60-minute window for the transaction to clear.