MCC 5045: Computers, Computer Peripheral Equipment, and Software
MCC 5045 is the merchant category code for computers, computer peripheral equipment, and software. Visa, Mastercard, Discover, and American Express assign it to businesses such as IT resellers, hardware wholesalers, and software distributors.
- Code
- 5045
- Category group
- Retail Outlet Services
- Risk rating
- Standard risk
Which businesses use MCC 5045?
Acquiring banks assign MCC 5045 to merchants whose primary line of business is computers, computer peripheral equipment, and software. Common examples include:
- IT resellers
- Hardware wholesalers
- Software distributors
Is MCC 5045 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 5045 affect processing fees?
MCC 5045 determines which interchange category Visa and Mastercard apply to each transaction. Codes in the retail outlet services range share interchange programs, so two merchants with the same card mix but different MCCs can pay different wholesale rates.
Frequently asked questions
What does MCC 5045 mean?
MCC 5045 is the merchant category code for Computers, Computer Peripheral Equipment, and Software. Card networks use it to classify transactions from businesses such as IT resellers, hardware wholesalers, and software distributors.
Is MCC 5045 high risk?
MCC 5045 is generally rated standard risk. Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
Can a business change its MCC from 5045?
A business can request a different MCC through its acquiring bank. The acquirer reviews what the business actually sells and reassigns the code only if 5045 does not describe the primary line of business.