Antique Reproductions
Retail of antique-style reproductions.
What MCC 5937 covers
Merchant Category Code 5937 is the ISO 18245 identifier used by the card networks for antique reproductions. 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 antique-style reproductions. 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 5937 specialise in selling antique reproductions, which can range from furniture and decor to art and collectables. These are typically smaller, independent retailers, often operating both physical and online stores.
Ticket sizes can vary significantly, from small decorative items priced under £50 to large furniture pieces exceeding £1,000.
Transaction frequency is generally low to moderate, driven by discretionary purchases rather than essential needs. Chargebacks are relatively uncommon unless items are significantly not as described, damaged during shipping, or counterfeit (though reproductions by definition are not original).
Common dispute reasons include 'merchandise not as described' or 'damaged goods'.
Scheme rules do not have specific programmes for antique reproductions. Merchants should ensure clear return policies and accurate product descriptions to minimise disputes.
Cardflo's chargeback management tools, which include dispute reason code analysis and automated response templates, can help these merchants efficiently resolve claims and maintain good standing with schemes.
Acquirer & underwriting stance
Low-risk standard board. These merchants typically operate with minimal fraud risk from a payment perspective.
Rolling reserves are not usually required unless the merchant exhibits exceptionally high transaction values or an unusual chargeback pattern.
How Cardflo handles MCC 5937
- Underwriting with acquirers that actively board MCC 5937 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 payment methods are most popular for high-value antique reproduction purchases?
For high-value purchases, customers often prefer payment methods offering buyer protection, such as PayPal, or instalment payment options like Klarna or ClearPay, which spread the cost.
Traditional credit and debit cards remain popular, especially for in-store transactions or direct online payments where buyers trust the merchant.
Are there specific chargeback codes most common for antique reproduction merchants?
The most common chargeback reason codes for antique reproduction merchants are usually related to product quality or description. These include 'Merchandise/Services Not as Described' (Visa reason code 13.
3 / Mastercard reason code 4853) and 'Damaged Goods' (often falling under 13. 3 / 4853).
Clear product imagery and detailed descriptions are crucial for prevention.
How can merchants selling unique, one-off reproductions mitigate fraud?
For unique or high-value reproduction pieces, merchants should primarily use 3D Secure (3DS) for card-not-present transactions, especially for new customers.
Implementing robust KYC procedures for large orders, cross-referencing shipping addresses with billing details, and utilising Cardflo's advanced fraud screening tools can provide additional layers of protection.
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.