Begagnade varor och secondhandbutiker
Återförsäljare av second hand, kommission och begagnade varor.
Vad MCC 5931 täcker
MCC-koden (Merchant Category Code) 5931 är ISO 18245-identifieraren som används av kortnätverken för begagnade varor och secondhandbutiker. Banker och tillsynsmyndigheter använder denna kod för att fastställa utbytesavgifter, systemavgifter, bedrägeriregler och rapporteringskategorier för varje transaktion ditt företag behandlar.
Återförsäljare av second hand, kommission och begagnade varor. Att välja rätt MCC är avgörande: en felaktig kod kan leda till högre utbytesavgifter, tilläggsavgifter eller, i reglerade kategorier, nekade transaktioner och spärrade konton.
MCC 5931 encompasses second-hand goods stores, thrift shops, and consignment retailers. Transaction values are typically low to medium, with varying frequency depending on the novelty and value of items.
Chargebacks are generally low, primarily stemming from misrepresented item condition for online sales, non-receipt, or sizing issues for clothing. Card-not-present fraud risk exists for high-value designer items or electronics.
There are no specific scheme programmes for second-hand goods, but robust item descriptions and clear return policies are crucial. Cardflo's flexible payment gateway supports detailed transaction data, which helps in dispute resolution, and our chargeback representment tools assist merchants in fighting false claims.
Acquirer & underwriting stance
Low-risk standard board for most operations. High-value consignment or luxury second-hand goods online might warrant a medium-risk assessment with monitoring, but generally no reserve is required.
Hur Cardflo hanterar MCC 5931
- Avtalsvillkor med förvärvare som aktivt registrerar MCC 5931-företag i din region.
- MCC-granskning under onboarding för att bekräfta rätt kod för dina produkter.
- Stöd för omklassificering om systemregler eller produktmix ändras efter lansering.
- Routning med flera förvärvare för att hålla godkännanden stabila för breda handelskategorier.
- Tvistestöd anpassat till den återkravsprofil för blandade produkter som denna MCC ser.
Payment methods typically enabled
Vanliga frågor
What are common chargeback reasons for second-hand goods retailers and how can they be mitigated?
Common chargeback reasons include 'merchandise not as described' due to discrepancies in condition, authenticity concerns, or 'non-receipt' for online orders. Mitigation strategies include providing highly detailed product descriptions, clear photographs, transparent grading systems for item condition, and robust shipping tracking.
Cardflo's chargeback tooling can help merchants submit compelling evidence to dispute these claims effectively.
Are second-hand retailers subject to specific scheme rules regarding authenticity?
While schemes do not have specific rules unique to the authenticity of second-hand goods, general scheme rules regarding misrepresentation and customer satisfaction apply. Merchants must ensure that items sold are as described and legitimate, particularly for designer or branded goods.
Poor practices can lead to elevated chargeback rates, which can trigger scheme monitoring programmes like Visa's Dispute Monitoring Program (VDMP) or Mastercard's Excessive Chargeback Programme (ECP).
How does Cardflo's platform support second-hand retailers with inventory management and payments?
Cardflo's payment gateway can integrate with various e-commerce platforms and inventory management systems, allowing second-hand retailers to accurately track unique items and process payments efficiently.
This integration helps ensure that items are accurately depicted and payment corresponds to available stock, reducing issues related to incorrect inventory or selling items that are no longer available, which can minimise disputes.
Andra MCC:er i Miscellaneous Stores
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