MCC 5947: Gift, Card, Novelty, and Souvenir Shops

MCC 5947 is the merchant category code for gift, card, novelty, and souvenir shops. Visa, Mastercard, Discover, and American Express assign it to businesses such as gift shops, souvenir stores, and card shops.

Code
5947
Category group
Miscellaneous Stores
Risk rating
Standard risk

Which businesses use MCC 5947?

Acquiring banks assign MCC 5947 to merchants whose primary line of business is gift, card, novelty, and souvenir shops. Common examples include:

  • Gift shops
  • Souvenir stores
  • Card shops

Is MCC 5947 considered high risk?

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

How does MCC 5947 affect processing fees?

MCC 5947 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 5947 merchants

Niche Payments runs a dedicated ecommerce payment processing program for businesses classified under MCC 5947. 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 5947 mean?

MCC 5947 is the merchant category code for Gift, Card, Novelty, and Souvenir Shops. Card networks use it to classify transactions from businesses such as gift shops, souvenir stores, and card shops.

Is MCC 5947 high risk?

MCC 5947 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 5947?

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 5947 does not describe the primary line of business.