Miscellaneous Home Furnishing Specialty Stores
Specialty home-furnishing retailers.
What MCC 5719 covers
Merchant Category Code 5719 is the ISO 18245 identifier used by the card networks for miscellaneous home furnishing specialty stores. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Specialty home-furnishing 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.
MCC 5719 covers miscellaneous home furnishing specialty stores, encompassing a broad range of products like lamps, decorative accessories, art prints, and specialised home decor items. Ticket sizes can range from low-value impulse buys to high-value artwork or unique pieces.
Purchase frequency is moderate, often driven by seasonal changes, gifting, or home styling projects.
Chargebacks are typically low, but can occur due to 'merchandise not meeting expectations' (especially for subjective aesthetic items), 'damaged goods' during shipping, or 'non-receipt'. Fraud attempts are typically low to medium, depending on the item value and merchant's online presence.
Cardflo's comprehensive APM coverage allows these merchants to offer diverse payment options, catering to varied customer preferences and potentially boosting conversion rates across different types of purchases.
Acquirer & underwriting stance
Low-risk standard board. Generally low risk due to diverse, predominantly physical goods.
Standard monitoring applies; reserves are unusual.
How Cardflo handles MCC 5719
- Underwriting with acquirers that actively board MCC 5719 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 are common reasons for chargebacks specifically relating to decorative or artistic home furnishings in MCC 5719?
Chargebacks in this specific niche often arise from subjective dissatisfaction, such as 'merchandise not as described' (Mastercard 4853) where the perceived colour, texture, or size differs from online images. 'Damaged goods' (Visa 13.
3) is also prevalent due to fragile items, and 'merchandise not received' (Visa 13. 1) for smaller, easily lost items during transit.
How can a merchant selling unique or bespoke home furnishings manage returns to minimise chargebacks?
Clearly defined, prominent return policies are critical. For unique or bespoke items, explicitly state if they are non-returnable or subject to specific conditions (e.
g. , restocking fees).
Providing high-quality product photography and detailed descriptions for online sales reduces 'not as described' claims. Processing returns and refunds promptly upon receipt of the returned item also reduces the likelihood of a chargeback being filed.
How does Cardflo help specialty stores with fluctuating transaction volumes and values?
Cardflo's platform is designed to handle varying transaction volumes efficiently, from daily small sales to occasional high-value purchases.
Its robust infrastructure ensures high uptime and processing capacity, while its intelligent routing features can optimise transaction pathways for approval rates, important for merchants with diverse product ranges and price points.
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.