MCC 5732: Electronics Stores

MCC 5732 is the merchant category code for electronics stores. Visa, Mastercard, Discover, and American Express assign it to businesses such as electronics retailers, phone stores, and audio shops.

Code
5732
Category group
Miscellaneous Stores
Risk rating
Standard risk

Which businesses use MCC 5732?

Acquiring banks assign MCC 5732 to merchants whose primary line of business is electronics stores. Common examples include:

  • Electronics retailers
  • Phone stores
  • Audio shops

Is MCC 5732 considered high risk?

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

How does MCC 5732 affect processing fees?

MCC 5732 determines which interchange category Visa and Mastercard apply to each transaction. Codes in the miscellaneous 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 5732 merchants

Niche Payments runs a dedicated ecommerce payment processing program for businesses classified under MCC 5732. 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 5732 mean?

MCC 5732 is the merchant category code for Electronics Stores. Card networks use it to classify transactions from businesses such as electronics retailers, phone stores, and audio shops.

Is MCC 5732 high risk?

MCC 5732 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 5732?

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 5732 does not describe the primary line of business.