Overview
MCC 5723 covers retail establishments primarily engaged in the sale of firearms, ammunition, and related accessories. This includes licensed gun shops, sporting goods stores specialising in firearms, and ammunition retailers. The code applies to both physical retail locations and authorised online firearms dealers operating within applicable legal frameworks.
Transaction Profile
Mid to high value, moderate frequency, card-present dominant, age and identity verification required, regulated online sales
Card Network Notes
Visa and Mastercard classify MCC 5723 as a restricted category. Enhanced due diligence and monitoring requirements apply. Some issuers apply additional transaction controls or decline policies for this MCC. Regulatory compliance verification is required.
Risk & Compliance
High risk. Firearms and ammunition sales are subject to extensive regulatory oversight including licensing requirements, background check mandates, age verification, and export controls. Some card networks and issuers restrict or monitor this MCC closely. Acquirers must ensure merchants hold all required federal, state, and local licensing. Chargeback rates are moderate but regulatory and reputational risk is elevated.