Cosmetic Stores
Cosmetic, beauty and personal-care retailers.
What MCC 5977 covers
Merchant Category Code 5977 is the ISO 18245 identifier used by the card networks for cosmetic stores. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Cosmetic, beauty and personal-care 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.
How Cardflo handles MCC 5977
- Underwriting with acquirers that actively board MCC 5977 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 5977?
MCC 5977 identifies cosmetic stores. Cosmetic, beauty and personal-care retailers.
Does Cardflo accept MCC 5977 merchants?
Yes, MCC 5977 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.