MCC 5651: Family Clothing Stores
MCC 5651 is the merchant category code for family clothing stores. Visa, Mastercard, Discover, and American Express assign it to businesses such as family apparel stores, and clothing boutiques.
- Code
- 5651
- Category group
- Clothing Stores
- Risk rating
- Standard risk
Which businesses use MCC 5651?
Acquiring banks assign MCC 5651 to merchants whose primary line of business is family clothing stores. Common examples include:
- Family apparel stores
- Clothing boutiques
Is MCC 5651 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 5651 affect processing fees?
MCC 5651 determines which interchange category Visa and Mastercard apply to each transaction. Codes in the clothing stores range share interchange programs, so two merchants with the same card mix but different MCCs can pay different wholesale rates.
Payment processing for MCC 5651 merchants
Niche Payments runs a dedicated ecommerce payment processing program for businesses classified under MCC 5651. Card-not-present processing that scales with your store.
- Shopify, WooCommerce, BigCommerce, and custom checkout integrations
- Subscription and recurring billing with smart retries
- Chargeback alerts and 3-D Secure to protect card-not-present sales
Frequently asked questions
What does MCC 5651 mean?
MCC 5651 is the merchant category code for Family Clothing Stores. Card networks use it to classify transactions from businesses such as family apparel stores, and clothing boutiques.
Is MCC 5651 high risk?
MCC 5651 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 5651?
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 5651 does not describe the primary line of business.