Probably I'm overthinking this, but when I use the Visa supplier locator to check the Merchant Category Code of a Lowe's Home Improvement (that's what Google Maps calls it) store, I learn that its Industry/MCC is Lumber and Building Supplies - 5200. Further, the list of industries in the supplier locator does not include Home Improvement, and the list of Merchant Category Codes does not include Home Improvement. Am I doing something wrong?