Antikaffärer

Försäljning, reparation och restaurering av antikviteter.

Ansök om MCC 5932 Tillbaka till hela listan

Vad MCC 5932 täcker

MCC-koden (Merchant Category Code) 5932 är ISO 18245-identifieraren som används av kortnätverken för antikaffärer. Banker och tillsynsmyndigheter använder denna kod för att fastställa utbytesavgifter, systemavgifter, bedrägeriregler och rapporteringskategorier för varje transaktion ditt företag behandlar.

Försäljning, reparation och restaurering av antikviteter. 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 5932 covers antique shops, including those selling antiques, collectibles, and providing repair or restoration services. Transaction values vary widely, from small collectible purchases to high-value antique furniture or artwork.

Frequency is generally low, driven by discovery and niche interest.

Chargebacks are uncommon but, when they occur, often relate to authenticity disputes, 'item not as described' due to condition issues, or damage during shipping. Card-not-present fraud is a higher risk for high-value transactions.

Clear provenance, detailed item descriptions, and secure shipping are crucial. Cardflo's secure payment processing and ability to handle high-value transactions, along with fraud screening tools, protect merchants from potential losses related to fraud or disputes over authenticity.

Acquirer & underwriting stance

Medium-risk standard board due to the potential for high-value transactions and disputes over authenticity. May require careful underwriting for significant online sales; a small rolling reserve (e.

g. , 5% for 90 days) could be requested for new merchants with substantial high-value inventory.

Hur Cardflo hanterar MCC 5932

Avtalsvillkor med förvärvare som aktivt registrerar MCC 5932-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

Bank Transfer

PayPal

Visa

Mastercard

American Express

Klarna

Vanliga frågor

What specific factors influence chargeback rates for antique shops in MCC 5932?

For antique shops, chargeback rates are primarily influenced by authenticity disputes, significant discrepancies between item description and actual condition, and damage incurred during transit for shipped items. The subjective nature of 'antique condition' and potential for fakes can also elevate disputes.

Providing detailed provenance, extensive high-resolution imagery, and ensuring robust, insured shipping are paramount to reducing chargebacks.

Are there particular scheme rules or recommendations for selling high-value antiques online?

While no specific scheme rules target antiques, high-value online sales fall under general e-commerce guidance. Schemes strongly recommend using 3D Secure 2.

0 for card-not-present transactions to mitigate fraud liability. For very high-value items, acquirers might suggest additional verification steps.

Clear documentation of item authenticity and condition, along with transparent return policies, are crucial for compliance and dispute resolution.

How can Cardflo assist antique dealers with processing international sales and currency conversions?

Cardflo supports multi-currency processing, allowing antique dealers to display prices and accept payments in various currencies, which can be settled in their preferred currency. This facilitates international sales by offering local currency options to buyers.

Our acquiring network also provides competitive exchange rates, and clear chargeback representment processes help manage disputes across borders, streamlining global transactions for unique, high-value items.