MCC 5734: Computer Software Stores

MCC 5734 is the merchant category code for computer software stores. Visa, Mastercard, Discover, and American Express assign it to businesses such as software sellers, SaaS companies, and app vendors.

Code
5734
Category group
Miscellaneous Stores
Risk rating
Standard risk

Which businesses use MCC 5734?

Acquiring banks assign MCC 5734 to merchants whose primary line of business is computer software stores. Common examples include:

  • Software sellers
  • SaaS companies
  • App vendors

Is MCC 5734 considered high risk?

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

How does MCC 5734 affect processing fees?

MCC 5734 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 5734 merchants

Niche Payments runs a dedicated ecommerce payment processing program for businesses classified under MCC 5734. 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 5734 mean?

MCC 5734 is the merchant category code for Computer Software Stores. Card networks use it to classify transactions from businesses such as software sellers, SaaS companies, and app vendors.

Is MCC 5734 high risk?

MCC 5734 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 5734?

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 5734 does not describe the primary line of business.