What key metric must be checked by users shopping online to avoid transaction failure with the HBP card?
Answer
Merchant's primary categorization code (MCC)
When utilizing the Healthy Benefits Plus card for online shopping, users are advised to verify the transaction details closely before finalizing the purchase. The critical element to examine is the Merchant's Primary Categorization Code (MCC). If the transaction codes in the system as general merchandise or originates from a restaurant entity, rather than being categorized as a grocery store transaction, the purchase will likely be declined by the system. This is because the card authorization depends heavily on the merchant's functional classification, even if the items themselves seem eligible.
Related Questions
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