General and specialty retail · Merchant category codes
What is MCC 5399 (Miscellaneous General Merchandise)?
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MCC 5399 (Miscellaneous General Merchandise) is the merchant category code for stores that sell a general line of merchandise, like a department store on a smaller scale. It fits a general store with no dominant category. Visa requires 3D Secure on online 5399 sales for merchants located in the Philippines. Visa requires 3D Secure on its online sales for merchants located in the Philippines.
- Visa name
- Miscellaneous General Merchandise
- Stripe name
- Miscellaneous General Merchandise
- Restricted by Stripe
- No
- Visa high-integrity risk
- No
- Visa 3D Secure rule for online sales
- Required for merchants located in the Philippines
- In PlatformDTC's Industry picker
- No
- Typical products
- General merchandise stores
What PlatformDTC does
PlatformDTC's Industry picker does not offer 5399, so a store cannot choose it during payments setup; the closest choices there are 5311 ("Department stores") and 5999 ("Miscellaneous and specialty retail"). Stripe reviews each account's category and can move a store to 5399 itself, and Stripe's documentation says the platform cannot then change it back.
What sells under MCC 5399
Visa uses 5399 for stores that sell a general line of merchandise, like a department store on a smaller scale.
It fits a general store with no dominant category. Visa requires 3D Secure on online 5399 sales for merchants located in the Philippines.
- General merchandise stores
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 |
|---|---|---|
| 5311 | Department Stores | You run separate departments at scale |
| 5999 | Miscellaneous and Specialty Retail Shops | You sell specialty products |
Risk, 3D Secure and Stripe rules
5399 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 5399 with Visa Secure (3D Secure) for merchants located in 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 5399 high risk?
- No. 5399 is not on Visa's high-integrity risk list. Stripe does not mark it restricted. Visa does require 3D Secure on online 5399 sales for merchants located in the Philippines.
- Can a PlatformDTC store use MCC 5399?
- Not by picking it: PlatformDTC's Industry picker does not offer 5399. Stripe can still assign it after reviewing the account.
Sources
Related
- 5311 — General lines of apparel, furniture, electronics, cosmetics and appliances.
- 5999 — Specialty products no more specific code covers.
- 5300 — Warehouse-style stores selling a full range of goods, often in bulk.
- 5262 — Registered online marketplaces bringing many retailers under one brand.
- 5309 — Gift and import items typically exempt from customs fees.
- 5995 — Pets, pet food and pet supplies.
- 5533 — Car parts, equipment and accessories, including home EV chargers.