What is Merchant Category Code 5964: Mail Order Houses Including Catalog Order Stores, Book/Record Clubs

MCC 5964: Mail Order Houses Including Catalog Order Stores, Book/Record Clubs (No longer permitted for U.S. original presentments)

An MCC, or Merchant Category Code, is a four-digit number assigned by payment processors to classify a business according to the type of goods or services it provides.  MCCs are defined by the International Organization for Standardization (ISO) and are universally recognised by most card issuers.

Merchant Category Code (MCC) 5964 categorises transactions involving mail-order houses, including various catalogue stores and book/record clubs. Understanding merchant category codes facilitates better transaction reporting and optimises business strategies.

What Businesses Does MCC 5964 Include?

MCC 5964 comprises businesses that operate in the realm of direct catalogue and mail-order retail. Such entities include:

• Catalogue Order Stores: Retailers that offer a variety of products through catalogues, allowing customers to purchase from the convenience of their homes.
• Book Clubs: Organisations that send books directly to members based on selections from monthly catalogues.
• Record Clubs: Similar to book clubs, but focusing on a selection of music records or albums.

Please note, MCC 5964 is no longer permitted for U.S. original presentments due to regulatory changes.

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