Non-Durable Goods (NEC)
Wholesale of non-durable goods not elsewhere classified.
What MCC 5199 covers
Merchant Category Code 5199 is the ISO 18245 identifier used by the card networks for non-durable goods (nec). 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 non-durable goods not elsewhere classified. Choosing the right MCC is critical: an incorrect code can lead to higher interchange, surcharges, or, in regulated categories, declined transactions and account holds.
MCC 5199 is a general category for merchants engaged in the wholesale of non-durable goods not elsewhere classified. This broad MCC covers a diverse range of B2B products that are consumed or have a short lifespan.
Typical merchant profiles include distributors for various consumable supplies, niche wholesale items, or general merchandise. Ticket sizes and frequency are highly variable depending on the specific goods.
Given the diverse nature, chargeback profiles vary, but common reasons relate to 'Merchandise Not As Described', 'Damaged Goods', or 'Not Received'. Clear contractual terms, excellent inventory control, and robust shipping verification are broadly applicable preventative measures.
Due to its broad scope, this MCC is assessed on a nuanced basis. Cardflo's adaptable payment processing can accommodate the varied needs of merchants falling under this general classification, providing specific risk management and APM solutions as required.
Acquirer & underwriting stance
Low-to-medium risk standard board. Due to the 'not elsewhere classified' nature, specific business models under this MCC may require individual assessment.
How Cardflo handles MCC 5199
- Underwriting with acquirers that actively board MCC 5199 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
How does the 'not elsewhere classified' nature of MCC 5199 affect risk assessment?
The 'not elsewhere classified' nature of MCC 5199 means that risk assessment is highly dependent on the specific goods being wholesaled. If the goods are highly regulated (e.
g. , certain chemicals) or prone to fraud (e.
g. , high-value, easily re-sellable items), the risk profile might be elevated.
Acquirers conduct thorough KYB to understand the precise business operations, as Cardflo does, to assign accurate risk.
What payment methods are most suitable for the broad range of B2B goods in MCC 5199?
For MCC 5199, a flexible array of payment methods is critical to cater to diverse client bases and product types. Commercial credit cards are good for convenience, while bank transfers and direct debits are often preferred for larger or recurring transactions due to lower fees.
Providing a mix of traditional and local payment methods is beneficial, which Cardflo's extensive APM coverage can facilitate.
How can merchants in MCC 5199 mitigate chargebacks despite the varied product types?
Even with varied products, consistent chargeback mitigation strategies apply: accurate product descriptions and images, detailed order confirmations, transparent refund/return policies, and robust logistics with proof of delivery.
For any high-value goods, consider implementing 3D Secure for card-present transactions or enhanced fraud screening tools for card-not-present, which Cardflo provides within its platform.
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