Electronics and music · Merchant category codes
What is MCC 5045 (Computers, Peripherals and Software (wholesale))?
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MCC 5045 (Computers and Computer Peripheral Equipment and Software) is the merchant category code for business-to-business or wholesale distributors of computer hardware, software and related equipment. It is a business-to-business code. A store selling computers to consumers fits 5732. Visa requires 3D Secure on its online sales for merchants located in Hong Kong, Macau and the Philippines.
- Visa name
- Computers and Computer Peripheral Equipment and Software
- Stripe name
- Computers, Peripherals, and Software
- Restricted by Stripe
- No
- Visa high-integrity risk
- No
- Visa 3D Secure rule for online sales
- Required for merchants located in Hong Kong, Macau and the Philippines
- In PlatformDTC's Industry picker
- Yes, under "Wholesale"
- Typical products
- Computer hardware, Computer peripherals, Computer supplies
What PlatformDTC does
PlatformDTC's payments setup lists 5045 in its Industry picker as "Computers, computer peripheral equipment" under "Wholesale"; typing 5045 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 5045
Visa uses 5045 for business-to-business or wholesale distributors of computer hardware, software and related equipment.
It is a business-to-business code. A store selling computers to consumers fits 5732.
- Computer hardware
- Computer peripherals
- Computer supplies
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 |
|---|---|---|
| 5732 | Electronics Stores | You sell to consumers |
| 5734 | Computer Software Stores | You sell software at retail |
Risk, 3D Secure and Stripe rules
5045 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 5045 with Visa Secure (3D Secure) for merchants located in Hong Kong, Macau and the Philippines. 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 5045 high risk?
- No. 5045 is not on Visa's high-integrity risk list. Stripe does not mark it restricted. Visa does require 3D Secure on online 5045 sales for merchants located in Hong Kong, Macau and the Philippines.
- Can a PlatformDTC store use MCC 5045?
- Yes. It is in the Industry picker of PlatformDTC's payments setup under "Wholesale", and typing 5045 in the search finds it. PlatformDTC sends the choice to Stripe for the store's own payments account.