Drapery, Window Covering & Upholstery Stores
Window treatments and upholstery retailers.
What MCC 5714 covers
Merchant Category Code 5714 is the ISO 18245 identifier used by the card networks for drapery, window covering & upholstery stores. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Window treatments and upholstery retailers. Choosing the right MCC is critical: an incorrect code can lead to higher interchange, surcharges, or, in regulated categories, declined transactions and account holds.
Merchants in MCC 5714 sell drapery, window coverings, and upholstery. Transaction sizes vary, from smaller ready-made items to high-value custom solutions and bespoke upholstery services.
Purchases are generally infrequent, often tied to home renovation cycles.
Chargebacks can arise from issues such as 'merchandise not as described' (e. g.
, incorrect fabric, colour, or measurements), 'damaged goods', or 'dissatisfaction with custom work'. Given the custom nature of many products, disputes over subjective quality or fit can occur.
Cardflo's detailed transaction logging and ability to attach supplementary documents to transactions, such as customer agreements or design specifications, can be invaluable in defending against chargebacks related to custom orders.
Acquirer & underwriting stance
Low-risk standard board. Requires careful management of custom order expectations.
Standard monitoring applies, and reserves are unlikely unless a pattern of disputes emerges from custom work.
How Cardflo handles MCC 5714
- Underwriting with acquirers that actively board MCC 5714 businesses in your region.
- MCC review during onboarding to confirm the right code for your products.
- Reclassification support if scheme rules or product mix change post-launch.
- Multi-acquirer routing to keep approvals stable for broad merchant categories.
- Dispute support tuned to the mixed-product chargeback profile this MCC sees.
Payment methods typically enabled
Common questions
What documentation is crucial for defending chargebacks on custom drapery or upholstery orders?
For custom orders, merchants must retain detailed specifications, customer approvals (e. g.
, signed fabric samples, measurement confirmations), pre-payment agreements, and clear terms and conditions regarding returns or modifications for custom items. These documents are vital evidence in chargeback disputes, especially for 'merchandise not as described' (Visa 13.
3) or 'services not performed' (Mastercard 4863) claims.
Are there any specific scheme rules for partial payments or deposits taken for custom window treatments?
Card schemes permit partial payments or deposits, but merchants must ensure the cardholder is fully aware of the payment schedule and the conditions under which subsequent payments will be taken.
For card-not-present transactions, each payment should ideally be authenticated with 3D Secure, or clearly linked to the initial authenticated transaction. Clear disclosure on the receipt or invoice is paramount to prevent disputes.
How can Cardflo help businesses that primarily manage custom orders in this MCC?
Cardflo's payment gateway supports custom transaction descriptors and allows for robust client authentication processes, crucial for custom work.
Its multi-MID routing capabilities can direct transactions to the most suitable acquiring bank based on the transaction type, potentially optimising approval rates and managing risk for bespoke, high-value orders.
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.