Overview
MCC 5712 covers retail stores selling furniture, home furnishings, and household equipment including sofas, beds, dining furniture, lighting, and home décor items. This includes large-format furniture showrooms and specialist retailers.
Transaction Profile
Mid to high value, moderate frequency, card-present in showrooms and card-not-present for online, delivery timelines of 4-12 weeks for custom orders, interest-free credit common
Card Network Notes
Standard interchange applies. Merchants offering interest-free credit should clearly disclose financing terms. Future delivery exposure should be monitored by acquirers.
Risk & Compliance
Low risk for standard retail. Delivery timelines for made-to-order furniture create moderate future delivery exposure. Chargebacks may arise from delivery damage, quality disputes, or extended lead time cancellations.