MCC 5962: Direct Marketing (Travel-Related Arrangement Services)

Which businesses use MCC 5962?

Acquiring banks assign MCC 5962 to merchants whose primary line of business is direct marketing (travel-related arrangement services). Common examples include:

• Travel clubs
• Vacation package sellers

Is MCC 5962 considered high risk?

Card networks and most mainstream processors classify this MCC as high risk. Approval usually requires a specialist acquirer, a rolling reserve, and chargeback monitoring.

How does MCC 5962 affect processing fees?

MCC 5962 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 5962 mean?

MCC 5962 is the merchant category code for Direct Marketing (Travel-Related Arrangement Services). Card networks use it to classify transactions from businesses such as travel clubs, and vacation package sellers.

Is MCC 5962 high risk?

MCC 5962 is generally rated high risk. Card networks and most mainstream processors classify this MCC as high risk. Approval usually requires a specialist acquirer, a rolling reserve, and chargeback monitoring.

Can a business change its MCC from 5962?

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 5962 does not describe the primary line of business.