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MCC 5551 — Boat Dealers

Assigned to boat dealerships selling new and used watercraft including motorboats, sailboats, and personal watercraft.

MCC Code

5551

Industry

Retail & Grocery

Risk Level

Medium

Overview

MCC 5551 covers boat dealers selling new and pre-owned motorboats, sailboats, yachts, jet skis, and personal watercraft along with marine accessories and after-sales services.

Transaction Profile

Very high value, low frequency, deposits by card with financing for balance, seasonal peaks in spring, delivery timelines for new vessels

Card Network Notes

Standard interchange applies. High-value transaction monitoring recommended.

Risk & Compliance

Medium risk due to high transaction values and potential for condition disputes on pre-owned vessels. Seasonal sales patterns and financing arrangements are common. Delivery timelines for new builds create future delivery exposure.

Common Merchants

MarineMax, West Coast Marine, Princess Yachts dealers, Sunseeker dealers, Beneteau dealers, Sea Ray dealers, local boat dealerships

Transaction Profile

Very high value, low frequency, deposits by card with financing for balance, seasonal peaks in spring, delivery timelines for new vessels

Card Network Notes

Standard interchange applies. High-value transaction monitoring recommended.

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