MCC 5094: Precious Stones and Metals, Watches, and Jewelry
MCC 5094 is the merchant category code for precious stones and metals, watches, and jewelry. Visa, Mastercard, Discover, and American Express assign it to businesses such as bullion dealers, jewelry wholesalers, and watch dealers.
- Code
- 5094
- Category group
- Retail Outlet Services
- Risk rating
- Elevated risk
Which businesses use MCC 5094?
Acquiring banks assign MCC 5094 to merchants whose primary line of business is precious stones and metals, watches, and jewelry. Common examples include:
- Bullion dealers
- Jewelry wholesalers
- Watch dealers
Is MCC 5094 considered high risk?
Acquirers review this MCC more closely because of card-not-present volume, refund rates, or chargeback history. Expect extra documentation and possible volume caps.
How does MCC 5094 affect processing fees?
MCC 5094 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 5094 mean?
MCC 5094 is the merchant category code for Precious Stones and Metals, Watches, and Jewelry. Card networks use it to classify transactions from businesses such as bullion dealers, jewelry wholesalers, and watch dealers.
Is MCC 5094 high risk?
MCC 5094 is generally rated elevated risk. Acquirers review this MCC more closely because of card-not-present volume, refund rates, or chargeback history. Expect extra documentation and possible volume caps.
Can a business change its MCC from 5094?
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 5094 does not describe the primary line of business.