MCC 5965
Catalog and Retail Merchants
MCC 5965 covers merchants selling both by catalog and in retail stores. Card networks list it as “Direct Marketing – Combination Catalog and Retail Merchants”.
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 5964 for catalog merchants, MCC 5966 for outbound telemarketing, and MCC 5967 for inbound teleservices.