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**Understanding Merchant Category Code 4111: Suburban and Local Commuter Transportation**Merchant Category Code 4111 is a standardized four-digit identifier used to classify businesses that provide suburban and local commuter passenger transportation services, including ferries. This code is crucial for financial transactions, as it helps financial institutions enforce spend controls, facilitate reward programs, and ensure regulatory compliance. For instance, if a consumer has a credit card offering rewards for transportation, transactions categorized under MCC 4111 would qualify for those rewards. Businesses operating under this code, such as local public transportation services, can also benefit from streamlined transaction processing and accurate accounting by using their specific MCC.