Overview
MCC 5964 covers catalogue retailers selling merchandise through printed catalogues and mail order, increasingly supplemented by online ordering. This traditional retail channel continues to serve customers who prefer catalogue browsing.
Transaction Profile
Mid value, moderate frequency, card-not-present dominant, returns rates higher than in-store retail, credit account billing common
Card Network Notes
Standard interchange applies. Card-not-present authentication (3DS) recommended for online orders.
Risk & Compliance
Medium risk. Card-not-present transactions carry standard e-commerce chargeback exposure. Delivery disputes and returns are the primary risk drivers. Established catalogue merchants have well-developed returns processes.