MCC Checker

Monzy · tools

What am I actually paying for?

Point at any payment QR. Indian merchant QRs carry the merchant category code inside them — this reads it out and tells you how that category usually gets treated.

Camera is off

Nothing leaves your phone. The QR is decoded here in the browser, and the merchant's UPI ID is never sent anywhere.

Upload a screenshot or photo of the QR

Works with the QR screenshots you already have saved — GPay, PhonePe, Paytm, BharatPe, or a photo of a counter sticker.

Any QR reader app will show you the underlying string. Paste it here.

No code in the QR?

    Category treatment shown here is the common pattern across Indian issuers, not a promise. The code a bank finally records can differ from the one printed in the QR, and every card's own MITC overrides all of this. Reward eligibility on UPI applies to RuPay credit cards only.