MCC 5945: Hobby, Toy, and Game Shops

MCC 5945 is the merchant category code for hobby, toy, and game shops. Visa, Mastercard, Discover, and American Express assign it to businesses such as toy stores, hobby shops, and board game stores.

Code
5945
Category group
Miscellaneous Stores
Risk rating
Standard risk

Which businesses use MCC 5945?

Acquiring banks assign MCC 5945 to merchants whose primary line of business is hobby, toy, and game shops. Common examples include:

  • Toy stores
  • Hobby shops
  • Board game stores

Is MCC 5945 considered high risk?

Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.

How does MCC 5945 affect processing fees?

MCC 5945 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 5945 merchants

Niche Payments runs a dedicated ecommerce payment processing program for businesses classified under MCC 5945. 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 5945 mean?

MCC 5945 is the merchant category code for Hobby, Toy, and Game Shops. Card networks use it to classify transactions from businesses such as toy stores, hobby shops, and board game stores.

Is MCC 5945 high risk?

MCC 5945 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 5945?

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 5945 does not describe the primary line of business.