MCC 5200: Home Supply Warehouse Stores
MCC 5200 is the merchant category code for home supply warehouse stores. Visa, Mastercard, Discover, and American Express assign it to businesses such as home improvement warehouses, and building supply stores.
- Code
- 5200
- Category group
- Retail Outlet Services
- Risk rating
- Standard risk
Which businesses use MCC 5200?
Acquiring banks assign MCC 5200 to merchants whose primary line of business is home supply warehouse stores. Common examples include:
- Home improvement warehouses
- Building supply stores
Is MCC 5200 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 5200 affect processing fees?
MCC 5200 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 5200 mean?
MCC 5200 is the merchant category code for Home Supply Warehouse Stores. Card networks use it to classify transactions from businesses such as home improvement warehouses, and building supply stores.
Is MCC 5200 high risk?
MCC 5200 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 5200?
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 5200 does not describe the primary line of business.