MCC 5815: Digital Goods Media (Books, Movies, Music)
MCC 5815 is the merchant category code for digital goods media (books, movies, music). Visa, Mastercard, Discover, and American Express assign it to businesses such as ebook stores, digital music, and video downloads.
- Code
- 5815
- Category group
- Miscellaneous Stores
- Risk rating
- Standard risk
Which businesses use MCC 5815?
Acquiring banks assign MCC 5815 to merchants whose primary line of business is digital goods media (books, movies, music). Common examples include:
- Ebook stores
- Digital music
- Video downloads
Is MCC 5815 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 5815 affect processing fees?
MCC 5815 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 5815 merchants
Niche Payments runs a dedicated ecommerce payment processing program for businesses classified under MCC 5815. 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 5815 mean?
MCC 5815 is the merchant category code for Digital Goods Media (Books, Movies, Music). Card networks use it to classify transactions from businesses such as ebook stores, digital music, and video downloads.
Is MCC 5815 high risk?
MCC 5815 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 5815?
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 5815 does not describe the primary line of business.