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If you use your Wallaby card at a gas station, then Wallaby separately charges your card that offers cash back on gas, you won't get any cash back as Wallaby's

If you use your Wallaby card at a gas station, then Wallaby separately charges your card that offers cash back on gas, you won't get any cash back as Wallaby's MCC is not that of a gas station. They'd also have to pay transaction fees every time they charged one of your cards, and those fees would necessarily be higher than any fees they could collect through usage of the Wallaby card. That can't be what they're doing.

21echoes 13y ago
they wouldn't be a merchant sending their own MCC-- they'd be a card processor on the Visa / MC / etc networks.
smsm42 13y ago
They'd have to talk to the processor to allow them to identify as "gas station" or "grocery store" and so on depending on where it came from. I'm sure there's a way to do this - there are many third-party processing systems that do pretty much exactly the same - process transactions from different vendors and put labels on them depending on who actually sent it.