High risk business

MCC 5969

Direct Marketing/Direct Marketers—Not Elsewhere Classified

Merchants that sell products and services through a variety of direct response methods in which an order form or an address or phone number is included for the placement of an order by mail, phone, or fax. These merchants often use mass-marketing techniques such as brochures, radio and television direct response ads, and TV “infomercials” (extended length TV commercials with a talk-show format). Such merchants generally offer only one or two products per promotion, such as kitchen cutlery, household gadgets, weight reduction products, sports equipment, cosmetics, specialty records, or books that are available only through television advertising. This includes newspaper classified ads sold via direct marketing methods. For tickets ordered by phone but paid for at the ticket booth, use MCC 7922. Excluded are face-to-face retailers that occasionally accept mail or phone orders for customer convenience. For retail sales conducted through an Internet site, use the most appropriate retail MCC with a TCC of T.

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Disclaimer : The Merchant Category Code (MCC) provided is based on the official classifications from Visa and Mastercard, supplemented by insights from Risk & Compliance experts. The final determination and allocation of MCCs remain the responsibility of the payment service provider licensed by Visa and Mastercard. This recommendation is for informational purposes only and should not be considered as definitive or binding guidance.

how it works

Merchant Category Code (MCC): Everything you need to know

What's an MCC?

A Merchant Category Code (MCC) is a four-digit number assigned to merchants by acquiring banks when a merchant account is created. This code categorizes your business based on the goods or services you offer and is recognized by payment networks like Visa and Mastercard.

Who assigns MCCs?

MCCs are assigned by your acquiring bank, following guidelines set by card networks such as Visa and Mastercard. While these guidelines are clear, assigning the right MCC often involves judgment by the acquirer. Misclassification - whether accidental or intentional - can lead to serious consequences, including penalties or disrupted payment processing.

Why do MCCs matter?

MCCs influence several critical aspects of your business operations, such as the interchange fee (amounts paid to card-issuing banks for transaction processing), merchant risk profile, spending restrictions or rewards. To determine your MCC, consider the following options: contact your payment processor, refer to payment network classification lists, or use our MCC lookup tool to find and verify your MCC.

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Browse the Merchant Category Code (MCC) database to discover they mean for your business.

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