Digital goods and software · Merchant category codes
What is MCC 5734 (Computer Software Stores)?
Checked
MCC 5734 (Computer Software Stores) is the merchant category code for stores that sell software for business and personal use and may sell or lease computer hardware. It is also Stripe's fallback code when it cannot classify an account. Mobile apps belong under 5817 by Visa's definition. Visa requires 3D Secure on its online sales for merchants located in Hong Kong and Macau.
- Visa name
- Computer Software Stores
- Stripe name
- Computer Software Stores
- Restricted by Stripe
- No
- Visa high-integrity risk
- No
- Visa 3D Secure rule for online sales
- Required for merchants located in Hong Kong and Macau
- In PlatformDTC's Industry picker
- Yes, under "Digital products"
- Typical products
- Business software, Personal software, Software with related hardware
What PlatformDTC does
PlatformDTC's payments setup lists 5734 in its Industry picker under "Digital products", and it is one of the popular choices shown first; typing 5734 in the search box finds it. The choice is sent to Stripe as the category code of the store's own payments account and can be changed later under Settings, Payments, Professional details, subject to Stripe's check.
What sells under MCC 5734
Visa uses 5734 for stores that sell software for business and personal use and may sell or lease computer hardware.
It is also Stripe's fallback code when it cannot classify an account. Mobile apps belong under 5817 by Visa's definition.
- Business software
- Personal software
- Software with related hardware
Codes it is confused with
Choose the code for the line of business that makes up most of your sales. Visa also allows a separate code for each line of business.
| Code | Name | Use it instead when |
|---|---|---|
| 5817 | Digital Goods – Applications (Excludes Games) | You sell mobile apps or downloadable software |
| 7372 | Computer Programming, Data Processing, and Integrated Systems Design Services | You sell programming, design or data processing services |
| 5732 | Electronics Stores | Most sales are hardware |
Risk, 3D Secure and Stripe rules
5734 is not on Visa's high-integrity risk list, so no extra Visa registration is tied to the code itself.
Stripe's list of supported codes does not mark it restricted, so a Stripe account can use it without asking Stripe first.
Visa's rules require acquirers to process online sales under 5734 with Visa Secure (3D Secure) for merchants located in Hong Kong and Macau. Elsewhere, 3D Secure for this code follows the general rules of the merchant's country and the issuer's request.
Frequently asked questions
- Is MCC 5734 high risk?
- No. 5734 is not on Visa's high-integrity risk list. Stripe does not mark it restricted. Visa does require 3D Secure on online 5734 sales for merchants located in Hong Kong and Macau.
- Can a PlatformDTC store use MCC 5734?
- Yes. It is in the Industry picker of PlatformDTC's payments setup under "Digital products", and typing 5734 in the search finds it. PlatformDTC sends the choice to Stripe for the store's own payments account.
Sources
Related
- 5817 — Apps and software delivered electronically, excluding games.
- 7372 — Programming, systems design, website design, data entry and processing services.
- 4816 — Internet access, network and information services, website maintenance.
- 4899 — Ongoing delivery of TV, radio or streaming content on a subscription or fee basis.
- 5815 — Ebooks, films, digital art and music delivered electronically.
- 5816 — Electronically delivered games, including in-app purchases; no games of chance.