Household Appliance Stores
Retail of household appliances and white goods.
What MCC 5722 covers
Merchant Category Code 5722 is the ISO 18245 identifier used by the card networks for household appliance stores. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Retail of household appliances and white goods. 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 5722 operate household appliance stores, selling white goods and other major appliances. Ticket sizes are typically medium to high, ranging from hundreds to thousands of pounds per item.
Purchase frequency is very low, as these are durable goods with long replacement cycles.
Chargebacks are generally low but can occur due to 'damaged goods' on delivery, 'non-receipt of merchandise', or 'not as described' if the appliance has unexpected features or performance. Installation issues, if part of the merchant's service, can also lead to disputes.
Fraud attempts on high-value items can be a concern for online sales.
Cardflo's robust fraud prevention suite is particularly beneficial for this MCC, providing real-time analysis and customisable rules to protect against fraudulent high-value purchases.
Acquirer & underwriting stance
Low-risk standard board. Tangible, high-value goods require careful delivery management.
Standard monitoring, with no reserve typically required for well-established businesses.
How Cardflo handles MCC 5722
- Underwriting with acquirers that actively board MCC 5722 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 specific chargeback types are common for household appliance stores due to delivery and installation?
For MCC 5722, common chargebacks include Visa Reason Code 13. 1 (Merchandise/Services Not Received) and Mastercard Reason Code 4855 (Goods or Services Not Provided) if delivery fails or is significantly delayed.
Visa 13. 3 (Damaged Merchandise) and Mastercard 4853 (Goods or Services Not As Described or Defective) are also frequent if items arrive faulty or cosmetically damaged, especially if installation causes issues.
How can merchants in this MCC mitigate chargebacks related to service and warranty claims?
Merchants should provide clear information on appliance warranties, differentiate between manufacturer and seller warranties, and offer accessible channels for service claims.
Documenting customer acceptance of warranty terms and ensuring timely and effective resolution of service requests directly with the manufacturer or via approved technicians can prevent these from escalating into chargebacks.
How does Cardflo assist with securing high-value transactions common in household appliance sales?
Cardflo offers advanced fraud screening tools including device fingerprinting, IP geolocation, and behavioural analytics, which are critical for high-ticket online sales. These tools help identify and flag suspicious transactions, reducing the risk of fraud-related chargebacks.
Additionally, secure 3D Secure 2. 0 implementation can shift liability for fraudulent transactions to the issuer for authenticated purchases.
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