MCC 5963 covers door-to-door sales operations and direct selling businesses where representatives visit consumers at their homes to demonstrate and sell products or services.

Transaction Profile

Mid value, moderate frequency, card-present via mobile terminals, cooling-off period creates cancellation window, subscription products common

Card Network Notes

Standard interchange applies. Acquirers should ensure merchants comply with cooling-off period regulations and maintain clear cancellation processes.

Risk & Compliance

Medium risk. Higher chargeback rates due to pressure selling tactics and buyer's remorse. Cooling-off period regulations provide consumers with cancellation rights in most jurisdictions. Sales representative conduct is difficult to monitor.