Antika reproduktioner

Detaljhandel med reproduktioner i antik stil.

Ansök om MCC 5937 Tillbaka till hela listan

Vad MCC 5937 täcker

MCC-koden (Merchant Category Code) 5937 är ISO 18245-identifieraren som används av kortnätverken för antika reproduktioner. Banker och tillsynsmyndigheter använder denna kod för att fastställa utbytesavgifter, systemavgifter, bedrägeriregler och rapporteringskategorier för varje transaktion ditt företag behandlar.

Detaljhandel med reproduktioner i antik stil. Att välja rätt MCC är avgörande: en felaktig kod kan leda till högre utbytesavgifter, tilläggsavgifter eller, i reglerade kategorier, nekade transaktioner och spärrade konton.

Merchants in MCC 5937 specialise in selling antique reproductions, which can range from furniture and decor to art and collectables. These are typically smaller, independent retailers, often operating both physical and online stores.

Ticket sizes can vary significantly, from small decorative items priced under £50 to large furniture pieces exceeding £1,000.

Transaction frequency is generally low to moderate, driven by discretionary purchases rather than essential needs. Chargebacks are relatively uncommon unless items are significantly not as described, damaged during shipping, or counterfeit (though reproductions by definition are not original).

Common dispute reasons include 'merchandise not as described' or 'damaged goods'.

Scheme rules do not have specific programmes for antique reproductions. Merchants should ensure clear return policies and accurate product descriptions to minimise disputes.

Cardflo's chargeback management tools, which include dispute reason code analysis and automated response templates, can help these merchants efficiently resolve claims and maintain good standing with schemes.

Acquirer & underwriting stance

Low-risk standard board. These merchants typically operate with minimal fraud risk from a payment perspective.

Rolling reserves are not usually required unless the merchant exhibits exceptionally high transaction values or an unusual chargeback pattern.

Hur Cardflo hanterar MCC 5937

Avtalsvillkor med förvärvare som aktivt registrerar MCC 5937-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

Apple Pay

Google Pay

PayPal

ClearPay

Klarna

Vanliga frågor

What payment methods are most popular for high-value antique reproduction purchases?

For high-value purchases, customers often prefer payment methods offering buyer protection, such as PayPal, or instalment payment options like Klarna or ClearPay, which spread the cost.

Traditional credit and debit cards remain popular, especially for in-store transactions or direct online payments where buyers trust the merchant.

Are there specific chargeback codes most common for antique reproduction merchants?

The most common chargeback reason codes for antique reproduction merchants are usually related to product quality or description. These include 'Merchandise/Services Not as Described' (Visa reason code 13.

3 / Mastercard reason code 4853) and 'Damaged Goods' (often falling under 13. 3 / 4853).

Clear product imagery and detailed descriptions are crucial for prevention.

How can merchants selling unique, one-off reproductions mitigate fraud?

For unique or high-value reproduction pieces, merchants should primarily use 3D Secure (3DS) for card-not-present transactions, especially for new customers.

Implementing robust KYC procedures for large orders, cross-referencing shipping addresses with billing details, and utilising Cardflo's advanced fraud screening tools can provide additional layers of protection.