Commercial Footwear
Wholesale of work and commercial footwear.
What MCC 5139 covers
Merchant Category Code 5139 is the ISO 18245 identifier used by the card networks for commercial footwear. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Wholesale of work and commercial footwear. Choosing the right MCC is critical: an incorrect code can lead to higher interchange, surcharges, or, in regulated categories, declined transactions and account holds.
This MCC is for wholesale distributors of commercial and work footwear, catering to industries requiring protective or specialised footwear (e. g.
, construction, healthcare, hospitality, manufacturing). Merchants typically engage in B2B transactions, supplying businesses rather than individual consumers.
Orders are often in bulk, leading to moderately high to high ticket sizes with varying frequency, based on business needs and replacement cycles.
Chargebacks are generally moderate. Common reasons include 'merchandise not as described' (e.
g. , incorrect safety ratings, material, or sizing), 'goods/services not received' due to logistics issues for large shipments, or 'defective merchandise' related to manufacturing faults or durability concerns.
No specific scheme programmes apply to this MCC. Cardflo's payment orchestration can route B2B transactions through the most efficient channels, leveraging lower interchange rates for corporate cards where available, and our fraud detection tools identify and prevent potential commercial fraud attempts.
Acquirer & underwriting stance
Low to medium-risk standard board. Risks are primarily associated with product quality and adherence to safety standards.
Monitoring of transaction-to-chargeback ratios is standard. Reserves are typically not required unless a pattern of quality or delivery issues emerges.
How Cardflo handles MCC 5139
- Underwriting with acquirers that actively board MCC 5139 businesses in your region.
- High-volume, low-ticket processing tuned for retail authorisation patterns.
- Omnichannel routing across in-store, ecommerce and click-and-collect.
- EMV, contactless and wallet acceptance enabled on a single integration.
- Refund, void and partial-capture flows aligned with retail operations.
Payment methods typically enabled
Common questions
What specific safety certifications should a merchant in MCC 5139 maintain to prevent 'merchandise not as described' chargebacks?
Merchants should maintain and be able to provide certifications and conformity declarations for safety standards relevant to their target markets (e. g.
, EN ISO 20345 for Europe, ASTM F2413 for North America). Discrepancies between advertised and actual safety ratings are a primary cause of 'merchandise not as described' disputes.
Providing these certifications to the client and as representment evidence is key.
How can Cardflo's gateway help manage large, infrequent orders for wholesale commercial footwear?
Cardflo's robust infrastructure is capable of processing high-value transactions reliably. It supports various payment methods preferred by businesses, including corporate cards and bank transfers, with high authorisation rates.
Our platform ensures these large orders are managed smoothly, from initial payment to reconciliation, through detailed transaction reporting.
Are there specific best practices for preventing 'defective merchandise' chargebacks in wholesale footwear?
To prevent 'defective merchandise' chargebacks, merchants should implement stringent quality control checks before shipment, maintain clear records of these checks, and have a transparent return and exchange policy for genuine manufacturing defects.
Detailed product descriptions and care instructions also help manage customer expectations and prevent user-induced damage claims.
Ready for velocity?
Tell us about your business. We'll match you with the right acquiring partners and the right route, typically inside a week.