MCC 5094
Precious Metals and Stones
MCC 5094 covers gold, silver, bullion, gemstones, watches and wholesale jewelry. Card networks list it as “Precious Stones and Metals, Watches and Jewelry”.
This category carries elevated fraud or chargeback exposure, for example because of future delivery, high ticket sizes or recurring billing. Expect closer underwriting and possibly a rolling reserve.
Related categories include MCC 5944 for jewelry and watches.