Digital Goods — Large Digital Goods Merchant
Multi-category large-volume digital goods merchants.
What MCC 5818 covers
Merchant Category Code 5818 is the ISO 18245 identifier used by the card networks for digital goods — large digital goods merchant. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Multi-category large-volume digital goods merchants. Choosing the right MCC is critical: an incorrect code can lead to higher interchange, surcharges, or, in regulated categories, declined transactions and account holds.
How Cardflo handles MCC 5818
- Underwriting with acquirers that actively board MCC 5818 businesses in your region.
- Interchange-optimised pricing benchmarked monthly against your effective rate.
- Multi-acquirer redundancy so a single decline policy never takes you offline.
- Smart routing that scores each transaction by BIN, geography and live approval rate.
- Dedicated onboarding and account management, not a ticket queue.
Common questions
What is MCC 5818?
MCC 5818 identifies digital goods — large digital goods merchant. Multi-category large-volume digital goods merchants.
Does Cardflo accept MCC 5818 merchants?
Yes, MCC 5818 sits within our supported categories. We can usually return indicative pricing within one business day.
How long does onboarding take?
Most low-to-medium-risk MCCs are boarded inside a week. Regulated and higher-risk MCCs typically take 2–4 weeks depending on documentation.
Other MCCs in Miscellaneous Stores
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.