MCC 5966: Direct Marketing (Outbound Telemarketing Merchant)

Which businesses use MCC 5966?

Acquiring banks assign MCC 5966 to merchants whose primary line of business is direct marketing (outbound telemarketing merchant). Common examples include:

• Outbound sales teams
• Telemarketing offers

Is MCC 5966 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 5966 affect processing fees?

MCC 5966 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 5966 mean?

MCC 5966 is the merchant category code for Direct Marketing (Outbound Telemarketing Merchant). Card networks use it to classify transactions from businesses such as outbound sales teams, and telemarketing offers.

Is MCC 5966 high risk?

MCC 5966 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 5966?

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 5966 does not describe the primary line of business.