MCC 5816 covers merchants selling digital games, including full game downloads, in-game purchases, virtual currency, downloadable content (DLC), and gaming subscriptions. This code applies to game storefronts, in-app purchase processors, and gaming platforms distributing digital gaming content. The distinction from MCC 5815 allows networks and issuers to apply gaming-specific fraud screening and interchange rules.

Transaction Profile

Low to mid value (microtransactions common), very high frequency, exclusively card-not-present, in-app billing, subscription and one-time models

Card Network Notes

MCC 5816 is part of the digital goods range (5815–5818). Visa and Mastercard apply digital goods interchange rates. Enhanced fraud screening recommended for in-game microtransactions.

Risk & Compliance

Medium risk. Gaming transactions carry elevated fraud risk due to high-volume in-game microtransactions, virtual currency purchases, and account takeover targeting. Chargeback rates can be significant, particularly from parental disputes over unauthorised minor purchases and friendly fraud on in-game spending. Acquirers should require robust age verification, parental controls, and clear purchase confirmation mechanisms.