Overview
MCC 5944 covers retail jewellery stores selling fine jewellery, fashion jewellery, watches, clocks, and silverware. This includes high-street chains, luxury boutiques, and independent jewellers.
Transaction Profile
Mid to very high value, moderate frequency, card-present dominant for retail, card-not-present for online, seasonal peaks around Valentine's Day, Christmas, and wedding season
Card Network Notes
Standard interchange applies. Enhanced fraud screening recommended for high-value jewellery purchases, particularly online. 3DS authentication is strongly recommended for e-commerce.
Risk & Compliance
Medium risk. High individual transaction values for precious items create fraud and chargeback exposure. Product authentication and quality disputes may arise. Insurance and security requirements are significant.