> ## Documentation Index
> Fetch the complete documentation index at: https://rain-sandbox-trial.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.
# Configuring Earn Rates
> Set earn rates per spending category to control how many points cardholders receive.
You control how many points cardholders earn by setting rates for each spending category. Rates are expressed in basis points (bips), where 100 bips equals 1%.
Earn rate configuration for Rain-Managed and Partner-Managed Offchain programs are enforced by our backend. For Partner-Managed Onchain programs, you will receive a webhook indicating how many points to mint, but it is ultimately your responsibility to mint the correct number of points.
## Rate Configuration
When onboarding to Rewards, you will be given access to a new page in the Issuing Dashboard that will allow you to configure and edit rates at your discretion. Note that terms of service typically require users are given a notice period before rates are changed (check your specific implementation).
## Categories
Rain maps merchant category codes (MCCs) to these categories:
| Category | Example Merchants |
| --------------- | -------------------------------------------------- |
| `dining` | Restaurants, cafes, bars |
| `travel` | Airlines, hotels, car rentals, ground transit |
| `gas` | Fuel stations, EV charging |
| `groceries` | Supermarkets, specialty food stores |
| `entertainment` | Streaming services, cinemas, ticketing, recreation |
| `default` | Everything else |
The MCC-to-category mapping is fixed by Rain and cannot be customized per tenant.
### Qualifying Merchant Category Codes
These mappings come from the [Visa Merchant Data Standards](https://usa.visa.com/content/dam/VCOM/download/merchants/visa-merchant-data-standards-manual.pdf). When a category covers a contiguous block of codes, you see the range; otherwise, the individual codes are listed. Any MCC that is not mapped to one of these categories earns at your `default` rate.
#### `dining`
| MCC | Represents |
| ------------- | ------------------------------------------------------- |
| `5811`–`5814` | Caterers, eating places, drinking places, and fast food |
#### `travel`
| MCC | Represents |
| ------------- | ------------------------------------------------------------------------ |
| `3000`–`3350` | Airlines (individual carriers) |
| `3351`–`3500` | Car rental (individual agencies) |
| `3501`–`3999` | Lodging (individual hotel brands) |
| `4111` | Local and suburban commuter passenger transportation (including ferries) |
| `4112` | Passenger railways |
| `4121` | Taxicabs and limousines |
| `4131` | Bus lines |
| `4411` | Steamship and cruise lines |
| `4457` | Boat rentals and leasing |
| `4511` | Airlines and air carriers (not elsewhere classified) |
| `4582` | Airports, flying fields, and airport terminals |
| `4722` | Travel agencies and tour operators |
| `4784` | Tolls and bridge fees |
| `4789` | Transportation services (not elsewhere classified) |
| `7011` | Lodging—hotels, motels, and resorts |
| `7012` | Timeshares |
| `7032` | Sporting and recreational camps |
| `7033` | Trailer parks and campgrounds |
| `7512` | Automobile rental agency |
| `7523` | Parking lots, parking meters, and garages |
#### `gas`
| MCC | Represents |
| ------ | ----------------------------------------------------- |
| `5541` | Service stations (with or without ancillary services) |
| `5542` | Automated fuel dispensers |
| `5552` | Electric vehicle charging |
#### `groceries`
| MCC | Represents |
| ------ | ------------------------------------------------------------------ |
| `5411` | Grocery stores and supermarkets |
| `5422` | Freezer and locker meat provisioners |
| `5441` | Candy, nut, and confectionery stores |
| `5451` | Dairy products stores |
| `5462` | Bakeries |
| `5499` | Miscellaneous food stores—convenience stores and specialty markets |
#### `entertainment`
| MCC | Represents |
| ------ | --------------------------------------------------------------------------------- |
| `4899` | Cable, satellite, and other pay television, radio, and streaming services |
| `5815` | Digital goods media—books, movies, digital artwork, and music |
| `7832` | Motion picture theaters |
| `7841` | DVD and videotape rental stores |
| `7911` | Dance halls, studios, and schools |
| `7922` | Ticket agencies and theatrical producers (except motion pictures) |
| `7929` | Bands, orchestras, and miscellaneous entertainers |
| `7932` | Billiard and pool establishments |
| `7933` | Bowling alleys |
| `7941` | Commercial and professional sports, athletic fields, and promoters |
| `7991` | Tourist attractions and exhibits |
| `7992` | Public golf courses |
| `7993` | Video amusement game supplies |
| `7994` | Video game arcades and establishments |
| `7996` | Amusement parks, circuses, carnivals, and fortune tellers |
| `7997` | Membership clubs (sports and recreation), country clubs, and private golf courses |
| `7998` | Aquariums, zoos, and dolphinariums |
| `7999` | Recreation services (not elsewhere classified) |
## Merchant-Specific Rate Overrides
You can override category rates for specific merchants. When a transaction is processed, Rain checks for a merchant-specific rate first. If one exists, it replaces the category rate for that transaction. Merchant and category rates do not stack.
### How Merchant Overrides Work
| Scenario | Rate Applied |
| ------------------------------ | ----------------------------------- |
| Merchant has a configured rate | Merchant rate (overrides category) |
| Merchant rate set to 0 | 0% (merchant excluded from earning) |
| No merchant rate configured | Category rate (fallback) |
## How to Edit Rates
Bookkeepers, Developers, and Admins can view the Rewards tab in the Rain Dashboard. Admins can update rates directly from the UI. You can also contact Rain to make changes.
Rate changes apply to future transactions only. Points already earned are not recomputed.