MCC 5691: Men's and Women's Clothing Stores

MCC 5691 is the merchant category code for men's and women's clothing stores. Visa, Mastercard, Discover, and American Express assign it to businesses such as apparel brands, fashion boutiques, and online clothing stores.

Code
5691
Category group
Clothing Stores
Risk rating
Standard risk

Which businesses use MCC 5691?

Acquiring banks assign MCC 5691 to merchants whose primary line of business is men's and women's clothing stores. Common examples include:

  • Apparel brands
  • Fashion boutiques
  • Online clothing stores

Is MCC 5691 considered high risk?

Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.

How does MCC 5691 affect processing fees?

MCC 5691 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 5691 merchants

Niche Payments runs a dedicated ecommerce payment processing program for businesses classified under MCC 5691. 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 5691 mean?

MCC 5691 is the merchant category code for Men's and Women's Clothing Stores. Card networks use it to classify transactions from businesses such as apparel brands, fashion boutiques, and online clothing stores.

Is MCC 5691 high risk?

MCC 5691 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 5691?

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 5691 does not describe the primary line of business.