Antique Shops
Antique sales, repairs and restoration.
What MCC 5932 covers
Merchant Category Code 5932 is the ISO 18245 identifier used by the card networks for antique shops. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Antique sales, repairs and restoration. 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 5932 covers antique shops, including those selling antiques, collectibles, and providing repair or restoration services. Transaction values vary widely, from small collectible purchases to high-value antique furniture or artwork.
Frequency is generally low, driven by discovery and niche interest.
Chargebacks are uncommon but, when they occur, often relate to authenticity disputes, 'item not as described' due to condition issues, or damage during shipping. Card-not-present fraud is a higher risk for high-value transactions.
Clear provenance, detailed item descriptions, and secure shipping are crucial. Cardflo's secure payment processing and ability to handle high-value transactions, along with fraud screening tools, protect merchants from potential losses related to fraud or disputes over authenticity.
Acquirer & underwriting stance
Medium-risk standard board due to the potential for high-value transactions and disputes over authenticity. May require careful underwriting for significant online sales; a small rolling reserve (e.
g. , 5% for 90 days) could be requested for new merchants with substantial high-value inventory.
How Cardflo handles MCC 5932
- Underwriting with acquirers that actively board MCC 5932 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 factors influence chargeback rates for antique shops in MCC 5932?
For antique shops, chargeback rates are primarily influenced by authenticity disputes, significant discrepancies between item description and actual condition, and damage incurred during transit for shipped items. The subjective nature of 'antique condition' and potential for fakes can also elevate disputes.
Providing detailed provenance, extensive high-resolution imagery, and ensuring robust, insured shipping are paramount to reducing chargebacks.
Are there particular scheme rules or recommendations for selling high-value antiques online?
While no specific scheme rules target antiques, high-value online sales fall under general e-commerce guidance. Schemes strongly recommend using 3D Secure 2.
0 for card-not-present transactions to mitigate fraud liability. For very high-value items, acquirers might suggest additional verification steps.
Clear documentation of item authenticity and condition, along with transparent return policies, are crucial for compliance and dispute resolution.
How can Cardflo assist antique dealers with processing international sales and currency conversions?
Cardflo supports multi-currency processing, allowing antique dealers to display prices and accept payments in various currencies, which can be settled in their preferred currency. This facilitates international sales by offering local currency options to buyers.
Our acquiring network also provides competitive exchange rates, and clear chargeback representment processes help manage disputes across borders, streamlining global transactions for unique, high-value items.
Other MCCs in Miscellaneous Stores
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