MCC 5818: Digital Goods (Large Digital Goods Merchant)
MCC 5818 is the merchant category code for digital goods (large digital goods merchant). Visa, Mastercard, Discover, and American Express assign it to businesses such as large app stores, and digital marketplaces.
- Code
- 5818
- Category group
- Miscellaneous Stores
- Risk rating
- Standard risk
Which businesses use MCC 5818?
Acquiring banks assign MCC 5818 to merchants whose primary line of business is digital goods (large digital goods merchant). Common examples include:
- Large app stores
- Digital marketplaces
Is MCC 5818 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 5818 affect processing fees?
MCC 5818 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 5818 merchants
Niche Payments runs a dedicated ecommerce payment processing program for businesses classified under MCC 5818. 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 5818 mean?
MCC 5818 is the merchant category code for Digital Goods (Large Digital Goods Merchant). Card networks use it to classify transactions from businesses such as large app stores, and digital marketplaces.
Is MCC 5818 high risk?
MCC 5818 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 5818?
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 5818 does not describe the primary line of business.