Some payments cannot be completed because of merchant category restrictions. The category of a particular transaction needs to be confirmed using its payment record.

MCC stands for Merchant Category Code. Think of it as an industry label assigned to merchants in the payment system. A merchant’s name or the payment method alone may not tell you how a particular transaction is classified.

For the full list of unsupported categories, merchants and regions, see Restricted Merchant & Transaction Policy.

Due to the card issuer’s transaction restrictions, Cloud Card and Boundless Card currently do not support MCC 4111 transactions. These may include some metro, commuter train and ferry payments for local and suburban commuter transportation.

Historical virtual-card transaction records show that some Shenzhen Metro and Guangzhou Metro payments were classified under this category. These are observed examples, not a complete list. Transactions at other cities or unlisted merchants are also unsupported if classified as MCC 4111. This does not mean all transportation transactions are prohibited.

Whether you use either card directly or through another payment service, the payment still cannot be made if the transaction is classified as 4111.

Payments can fail for different reasons. A failed payment alone does not mean it was restricted under 4111. The scope and reasons for restrictions on other categories still need to be checked against their own rules and the specific transaction.