MCC 5942: Book Stores
MCC 5942 is the merchant category code for book stores. Visa, Mastercard, Discover, and American Express assign it to businesses such as bookstores, textbook sellers, and comic shops.
- Code
- 5942
- Category group
- Miscellaneous Stores
- Risk rating
- Standard risk
Which businesses use MCC 5942?
Acquiring banks assign MCC 5942 to merchants whose primary line of business is book stores. Common examples include:
- Bookstores
- Textbook sellers
- Comic shops
Is MCC 5942 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 5942 affect processing fees?
MCC 5942 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 5942 mean?
MCC 5942 is the merchant category code for Book Stores. Card networks use it to classify transactions from businesses such as bookstores, textbook sellers, and comic shops.
Is MCC 5942 high risk?
MCC 5942 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 5942?
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 5942 does not describe the primary line of business.