{"id":5929,"date":"2025-07-07T06:09:13","date_gmt":"2025-07-07T06:09:13","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=5929"},"modified":"2025-07-07T06:09:13","modified_gmt":"2025-07-07T06:09:13","slug":"mcc-code-virtual-card-fraud-control-2","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/mcc-code-virtual-card-fraud-control-2\/","title":{"rendered":"Code MCC : Cl\u00e9 du Contr\u00f4le des Risques Cartes Virtuelles"},"content":{"rendered":"<div class=\"ace-line ace-line old-record-id-Y0htdou3FoAHNIxNCT1lc0w5gcc\">\n<p data-start=\"457\" data-end=\"644\">Avez-vous d\u00e9j\u00e0 rencontr\u00e9 des paiements refus\u00e9s ou des cartes gel\u00e9es lors de l\u2019utilisation de cartes virtuelles pour la publicit\u00e9, l\u2019e-commerce ou les abonnements ?<br data-start=\"236\" data-end=\"239\" \/>Dans bien des cas, le probl\u00e8me vient d\u2019un facteur souvent n\u00e9glig\u00e9 : le <strong data-start=\"310\" data-end=\"322\">code MCC<\/strong> (Merchant Category Code).<\/p>\n<\/div>\n<div><a href=\"https:\/\/www.buvei.com\/\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4750 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1024x307.png\" alt=\"\" width=\"1024\" height=\"307\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1024x307.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-300x90.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-768x230.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-400x120.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-800x240.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-832x249.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1248x374.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2.png 1442w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div>\n<h3 data-start=\"425\" data-end=\"455\">Qu\u2019est-ce qu\u2019un code MCC ?<\/h3>\n<p data-start=\"457\" data-end=\"644\">Le code MCC (Merchant Category Code) est un identifiant \u00e0 quatre chiffres d\u00e9fini par les r\u00e9seaux de cartes comme Visa ou Mastercard. Il classe les marchands selon leur secteur d\u2019activit\u00e9.<\/p>\n<p data-start=\"646\" data-end=\"675\">Quelques exemples fr\u00e9quents :<\/p>\n<ul data-start=\"676\" data-end=\"809\">\n<li data-start=\"676\" data-end=\"739\">\n<p data-start=\"678\" data-end=\"739\"><strong data-start=\"678\" data-end=\"686\">7311<\/strong> \u2013 Services de publicit\u00e9 (Google Ads, Facebook Ads)<\/p>\n<\/li>\n<li data-start=\"740\" data-end=\"777\">\n<p data-start=\"742\" data-end=\"777\"><strong data-start=\"742\" data-end=\"750\">5815<\/strong> \u2013 Abonnements num\u00e9riques<\/p>\n<\/li>\n<li data-start=\"778\" data-end=\"809\">\n<p data-start=\"780\" data-end=\"809\"><strong data-start=\"780\" data-end=\"788\">5999<\/strong> \u2013 Commerces divers<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"811\" data-end=\"919\">Chaque transaction inclut un code MCC, indiquant \u00e0 l\u2019\u00e9metteur de carte le type de service ou produit achet\u00e9.<\/p>\n<div>\u00a0\u00a0<img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5907 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control2-1024x768.png\" alt=\"\" width=\"1024\" height=\"768\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control2-1024x768.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control2-300x225.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control2-768x576.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control2-400x300.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control2-800x600.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control2-832x624.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control2-1248x936.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control2.png 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/div>\n<h3 data-start=\"926\" data-end=\"997\">Pourquoi les codes MCC sont essentiels pour les cartes virtuelles ?<\/h3>\n<p data-start=\"999\" data-end=\"1161\">Pour les cartes personnelles, le MCC est souvent invisible. Mais pour les <strong data-start=\"1073\" data-end=\"1107\">cartes virtuelles d\u2019entreprise<\/strong>, c\u2019est une brique centrale de la gestion des risques.<\/p>\n<p data-start=\"1163\" data-end=\"1253\">Sur la plateforme <a class=\"\" href=\"https:\/\/buvei.com\" target=\"_new\" rel=\"noopener\" data-start=\"1181\" data-end=\"1207\">Buvei<\/a>, vous pouvez configurer des r\u00e8gles MCC pour\u202f:<\/p>\n<p data-start=\"1255\" data-end=\"1492\">\u2705 Limiter les paiements aux plateformes approuv\u00e9es (<a href=\"https:\/\/buvei.com\/blog\/google-ads-virtual-card-risk-control\/\">Google Ads<\/a>, <a href=\"https:\/\/buvei.com\/blog\/add-payment-card-facebook-ads-2025\/\">Meta<\/a>)<br data-start=\"1324\" data-end=\"1327\" \/>\u2705 Bloquer les frais involontaires ou abonnements pi\u00e9g\u00e9s<br data-start=\"1382\" data-end=\"1385\" \/>\u2705 Pr\u00e9venir les abus ou erreurs des employ\u00e9s<br data-start=\"1428\" data-end=\"1431\" \/>\u2705 R\u00e9duire les risques de refus de paiement ou de bannissement<\/p>\n<p data-start=\"1494\" data-end=\"1607\">Pensez au MCC comme un visa professionnel : votre carte virtuelle n\u2019est utilisable que dans des zones autoris\u00e9es.<\/p>\n<h3 data-start=\"1614\" data-end=\"1665\">Pourquoi Buvei va plus loin dans la gestion MCC<\/h3>\n<p data-start=\"1667\" data-end=\"1777\">Buvei permet des r\u00e8gles MCC <strong data-start=\"1695\" data-end=\"1723\">personnalis\u00e9es par carte<\/strong>, avec un niveau de s\u00e9curit\u00e9 et de souplesse in\u00e9gal\u00e9\u202f:<\/p>\n<p data-start=\"1779\" data-end=\"2066\">\ud83d\udd12 Restreindre une carte \u00e0 des plateformes publicitaires sp\u00e9cifiques<br data-start=\"1847\" data-end=\"1850\" \/>\ud83d\udecd Autoriser uniquement certaines cat\u00e9gories (<a href=\"https:\/\/buvei.com\/blog\/virtual-cards-for-subscription-management\/\">SaaS<\/a>, m\u00e9dias, VPN\u2026)<br data-start=\"1915\" data-end=\"1918\" \/>\u274c Bloquer les cat\u00e9gories non pertinentes selon votre usage<br data-start=\"1976\" data-end=\"1979\" \/>\ud83d\udcca Coupler avec des rapports dynamiques pour suivre les d\u00e9penses par type de commer\u00e7ant<\/p>\n<p data-start=\"2068\" data-end=\"2202\">Ce contr\u00f4le granulaire est particuli\u00e8rement utile pour les \u00e9quipes marketing, les achats, ou les abonnements logiciels internationaux.<\/p>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5906 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control1-1024x768.png\" alt=\"\" width=\"1024\" height=\"768\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control1-1024x768.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control1-300x225.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control1-768x576.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control1-400x300.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control1-800x600.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control1-832x624.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control1-1248x936.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control1.png 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/h3>\n<h3 data-start=\"2209\" data-end=\"2239\">Questions fr\u00e9quentes (FAQ)<\/h3>\n<p data-start=\"2241\" data-end=\"2469\"><strong data-start=\"2241\" data-end=\"2290\">Q1 : Comment conna\u00eetre le MCC d\u2019un marchand ?<\/strong><br data-start=\"2290\" data-end=\"2293\" \/>En g\u00e9n\u00e9ral, les utilisateurs n\u2019y ont pas acc\u00e8s directement. Buvei vous permet de voir les MCC dans l\u2019historique ou les exports de transactions pour mieux analyser vos d\u00e9penses.<\/p>\n<p data-start=\"2471\" data-end=\"2703\"><strong data-start=\"2471\" data-end=\"2538\">Q2 : Que se passe-t-il si un commer\u00e7ant a un MCC non autoris\u00e9 ?<\/strong><br data-start=\"2538\" data-end=\"2541\" \/>La transaction est automatiquement refus\u00e9e. C\u2019est une protection efficace, mais mieux vaut tester ou confirmer le MCC aupr\u00e8s du commer\u00e7ant si l\u2019achat est crucial.<\/p>\n<p data-start=\"2705\" data-end=\"2753\"><strong data-start=\"2705\" data-end=\"2753\">Q3 : Quels MCC pour les plateformes de pub ?<\/strong><\/p>\n<div class=\"_tableContainer_16hzy_1\">\n<div class=\"_tableWrapper_16hzy_14 group flex w-fit flex-col-reverse\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" style=\"height: 162px;\" width=\"432\" data-start=\"2755\" data-end=\"3084\">\n<thead data-start=\"2755\" data-end=\"2809\">\n<tr data-start=\"2755\" data-end=\"2809\">\n<th data-start=\"2755\" data-end=\"2774\" data-col-size=\"sm\">Plateforme<\/th>\n<th data-start=\"2774\" data-end=\"2809\" data-col-size=\"sm\">MCC typique<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"2865\" data-end=\"3084\">\n<tr data-start=\"2865\" data-end=\"2919\">\n<td data-start=\"2865\" data-end=\"2884\" data-col-size=\"sm\">Google Ads<\/td>\n<td data-start=\"2884\" data-end=\"2919\" data-col-size=\"sm\">7311 \u2013 Services de publicit\u00e9<\/td>\n<\/tr>\n<tr data-start=\"2920\" data-end=\"2974\">\n<td data-start=\"2920\" data-end=\"2939\" data-col-size=\"sm\">Facebook Ads<\/td>\n<td data-start=\"2939\" data-end=\"2974\" data-col-size=\"sm\">7311 \u2013 Services de publicit\u00e9<\/td>\n<\/tr>\n<tr data-start=\"2975\" data-end=\"3029\">\n<td data-start=\"2975\" data-end=\"2994\" data-col-size=\"sm\">TikTok Ads<\/td>\n<td data-start=\"2994\" data-end=\"3029\" data-col-size=\"sm\">7311 ou 7399 (selon r\u00e9gion)<\/td>\n<\/tr>\n<tr data-start=\"3030\" data-end=\"3084\">\n<td data-start=\"3030\" data-end=\"3049\" data-col-size=\"sm\">Microsoft Ads<\/td>\n<td data-start=\"3049\" data-end=\"3084\" data-col-size=\"sm\">7311<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div class=\"sticky end-(--thread-content-margin) h-0 self-end select-none\">\n<div class=\"absolute end-0 flex items-end\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p data-start=\"3086\" data-end=\"3334\"><strong data-start=\"3086\" data-end=\"3169\">Q4 : Tous les fournisseurs de cartes virtuelles proposent-ils le filtrage MCC ?<\/strong><br data-start=\"3169\" data-end=\"3172\" \/>Non. La plupart des cartes virtuelles bancaires traditionnelles ne le permettent pas. Buvei propose un contr\u00f4le de niveau entreprise, adapt\u00e9 aux usages complexes.<\/p>\n<h3 data-start=\"3341\" data-end=\"3408\">MCC : le levier discret d\u2019un contr\u00f4le des paiements intelligent<\/h3>\n<p data-start=\"3410\" data-end=\"3578\">Si vous g\u00e9rez plusieurs comptes publicitaires, plateformes e-commerce ou budgets par d\u00e9partement, <strong data-start=\"3508\" data-end=\"3551\">les filtres MCC sont votre alli\u00e9 secret<\/strong>. Avec Buvei, vous pouvez\u202f:<\/p>\n<ul data-start=\"3580\" data-end=\"3792\">\n<li data-start=\"3580\" data-end=\"3618\">\n<p data-start=\"3582\" data-end=\"3618\">\u00c9viter les paiements non autoris\u00e9s<\/p>\n<\/li>\n<li data-start=\"3619\" data-end=\"3663\">\n<p data-start=\"3621\" data-end=\"3663\">R\u00e9duire les litiges et r\u00e9trofacturations<\/p>\n<\/li>\n<li data-start=\"3664\" data-end=\"3731\">\n<p data-start=\"3666\" data-end=\"3731\">Limiter les signaux de risque sur les plateformes publicitaires<\/p>\n<\/li>\n<li data-start=\"3732\" data-end=\"3792\">\n<p data-start=\"3734\" data-end=\"3792\">Renforcer la tra\u00e7abilit\u00e9 et la responsabilit\u00e9 financi\u00e8re<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3794\" data-end=\"3928\">\ud83d\udca1 <a class=\"\" href=\"https:\/\/buvei.com\" target=\"_new\" rel=\"noopener\" data-start=\"3797\" data-end=\"3842\">Inscrivez-vous sur Buvei<\/a> pour d\u00e9couvrir comment les codes MCC peuvent transformer votre gestion des paiements.<\/p>\n<div><a href=\"https:\/\/www.buvei.com\/\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4750 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1024x307.png\" alt=\"\" width=\"1024\" height=\"307\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1024x307.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-300x90.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-768x230.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-400x120.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-800x240.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-832x249.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1248x374.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2.png 1442w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div>\n","protected":false},"excerpt":{"rendered":"Avez-vous d\u00e9j\u00e0 rencontr\u00e9 des paiements refus\u00e9s ou des cartes gel\u00e9es lors de l\u2019utilisation de cartes virtuelles pour la&hellip;","protected":false},"author":2,"featured_media":5905,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":""},"categories":[23],"tags":[96,3082,3084,334,267],"class_list":{"0":"post-5929","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payment-basics-fr","8":"tag-buvei-fr","9":"tag-control-fr","10":"tag-mcc-fr","11":"tag-payments-fr","12":"tag-virtual-card-en-fr","13":"cs-entry"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/5929","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/comments?post=5929"}],"version-history":[{"count":0,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/5929\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media\/5905"}],"wp:attachment":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media?parent=5929"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/categories?post=5929"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/tags?post=5929"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}