Overview
MCC 5815 covers merchants primarily selling digital media content, including e-books, digital movies, digital artwork, images, and music available for download or streaming. This code distinguishes digital content sellers from physical media retailers and applies to both individual purchase and subscription-based models. Major digital storefronts and content platforms processing media transactions use this classification.
Transaction Profile
Low value, high frequency, exclusively card-not-present, mix of one-time and subscription billing, instant digital delivery
Card Network Notes
MCC 5815 is part of the digital goods range (5815–5818) recognised by Visa and Mastercard. Digital goods-specific interchange rates may apply. Enhanced dispute resolution procedures for digital delivery.
Risk & Compliance
Low to medium risk. Digital goods transactions are predominantly card-not-present, increasing fraud exposure. Recurring billing models may generate elevated chargeback rates from subscription disputes or accidental purchases. Acquirers should ensure merchants provide clear purchase confirmation, easy cancellation processes, and transparent billing descriptions to minimise friendly fraud.