MCC 5944: Jewelry Stores, Watches, Clocks, and Silverware Stores
MCC 5944 is the merchant category code for jewelry stores, watches, clocks, and silverware stores. Visa, Mastercard, Discover, and American Express assign it to businesses such as jewelry stores, watch retailers, and engagement ring sellers.
- Code
- 5944
- Category group
- Miscellaneous Stores
- Risk rating
- Elevated risk
Which businesses use MCC 5944?
Acquiring banks assign MCC 5944 to merchants whose primary line of business is jewelry stores, watches, clocks, and silverware stores. Common examples include:
- Jewelry stores
- Watch retailers
- Engagement ring sellers
Is MCC 5944 considered high risk?
Acquirers review this MCC more closely because of card-not-present volume, refund rates, or chargeback history. Expect extra documentation and possible volume caps.
How does MCC 5944 affect processing fees?
MCC 5944 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 5944 merchants
Niche Payments runs a dedicated ecommerce payment processing program for businesses classified under MCC 5944. 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 5944 mean?
MCC 5944 is the merchant category code for Jewelry Stores, Watches, Clocks, and Silverware Stores. Card networks use it to classify transactions from businesses such as jewelry stores, watch retailers, and engagement ring sellers.
Is MCC 5944 high risk?
MCC 5944 is generally rated elevated risk. Acquirers review this MCC more closely because of card-not-present volume, refund rates, or chargeback history. Expect extra documentation and possible volume caps.
Can a business change its MCC from 5944?
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 5944 does not describe the primary line of business.