MCC 5944
Jewelry and Watches
MCC 5944 covers jewelry, watches, clocks and silverware. Card networks list it as “Jewelry Stores, Watches, Clocks, and Silverware Stores”.
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 5094 for precious metals and stones and MCC 7631 for watch and jewelry repair.