MCC 5735: Record Stores
MCC 5735 is the merchant category code for record stores. Visa, Mastercard, Discover, and American Express assign it to businesses such as record shops, vinyl sellers, and music retailers.
- Code
- 5735
- Category group
- Miscellaneous Stores
- Risk rating
- Standard risk
Which businesses use MCC 5735?
Acquiring banks assign MCC 5735 to merchants whose primary line of business is record stores. Common examples include:
- Record shops
- Vinyl sellers
- Music retailers
Is MCC 5735 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 5735 affect processing fees?
MCC 5735 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.
Frequently asked questions
What does MCC 5735 mean?
MCC 5735 is the merchant category code for Record Stores. Card networks use it to classify transactions from businesses such as record shops, vinyl sellers, and music retailers.
Is MCC 5735 high risk?
MCC 5735 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 5735?
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 5735 does not describe the primary line of business.