← Back to MCC Directory
Retail
MCC 5944
Jewelry Stores, Watches, Clocks, and Silverware Stores
medium Risk
Risk Assessment
This MCC may face some restrictions or higher rates depending on the acquirer. Some mainstream PSPs may decline.
Industry Notes
High value items increase fraud risk
What This Means For You
Processing Rates
Slightly elevated rates possible. Expect 2.5-4% depending on specific business model and volume.
Reserve Requirements
5-10% rolling reserve may be required initially, often released after 6-12 months.
PSP Availability
Some mainstream PSPs may decline. Specialized acquirers recommended for best terms.
Approval Timeline
Extended underwriting. 1-3 weeks typical.
Need a PSP for MCC 5944?
We know which acquirers have appetite for this category. Tell us about your business and we'll find you options.
Talk to Us