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MCC 5965 — Direct Marketing — Combination Catalog and Retail Merchants

Assigned to merchants operating both catalogue and physical retail stores selling general merchandise.

MCC Code

5965

Industry

Retail

Risk Level

Medium

Overview

MCC 5965 covers merchants operating combined catalogue mail order and retail store operations, offering customers the choice of ordering from catalogues or purchasing in-store.

Transaction Profile

Variable value, high frequency across channels, card-present in stores and card-not-present for catalogue and online orders

Card Network Notes

Standard interchange applies.

Risk & Compliance

Medium risk. Combines retail and mail order risk profiles. Online and catalogue channels carry higher chargeback exposure than in-store operations.

Common Merchants

Next, Argos, JD Williams Group, catalogue-and-retail hybrid merchants, multichannel retailers

Transaction Profile

Variable value, high frequency across channels, card-present in stores and card-not-present for catalogue and online orders

Card Network Notes

Standard interchange applies.

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