5651low risk

Family Clothing Stores

MCC 5651 is the merchant category code designated for family clothing stores. This classification is used by payment processors and card networks to categorize businesses for transaction processing, risk assessment, and interchange fee determination. As a low-risk category, businesses using MCC 5651 generally enjoy smoother approval processes and competitive processing rates. Understanding the specific requirements and considerations for this MCC code is crucial for businesses in the family clothing stores industry to ensure proper payment processing setup and compliance.

Clothing Stores
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Quick Facts

MCC Code
5651
Risk Level
low
Category
Clothing Stores
Popularity
Popular Code

Typical Business Types

MCC 5651 is commonly used by the following types of businesses:

Family clothing stores
Children's clothing
Multi-age apparel
Family fashion retailers

Processing Considerations

Important Information

Low-risk retail category with consistent demand. Back-to-school seasons may show transaction spikes.

Application Requirements Checklist

Documents and requirements needed for MCC 5651 merchant account

Completion Progress0%
Valid business license or registration
Proof of family clothing stores operations
Business bank account in company name
Tax identification number (EIN/TIN)

Complete Documentation

Having all documents ready speeds up approval

Accurate Information

Ensure all provided information is current and accurate

Industry Specific

Some requirements may vary by business type

Processing Fee Calculator

Estimate your monthly processing fees for MCC 5651

Estimated Monthly Fees

Transaction Count:500
Percentage Fees:$900.00
Transaction Fees:$50.00
Total Monthly Fees
$950.00
Effective Rate: 1.90%

Note: This is an estimate based on the qualified rate for MCC 5651. Actual rates may vary based on your specific merchant agreement, processing history, and business type.

Industry Insights & Statistics

Key metrics and data for MCC 5651 businesses

Avg Transaction
$50 - $200

Typical transaction range

Chargeback Rate
0.1% - 0.5%

Industry average

Approval Rate
~85%

Low difficulty

Risk Level
Low

Underwriting complexity

Industry Statistics & Trends

The family clothing stores industry processes billions in transactions annually

Average business in this category sees 100-500 transactions per month

Industry growth rate: 5-8% annually

Digital payment adoption in this sector: 60%+

Approval Difficulty Breakdown

Documentation RequirementsBasic
Underwriting Timeline1-2 days
Reserve RequirementsRarely

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MCC 5651 Payment Processing Guide

Understanding MCC 5651 for family clothing stores is essential for proper payment processing setup. This comprehensive guide covers everything you need to know about using this merchant category code.

What is MCC 5651?

MCC 5651 is designated for family clothing stores. This merchant category code is classified as low risk by payment processors and is commonly used by businesses such as family clothing stores, children's clothing, multi-age apparel.

Key Features and Requirements

  • Risk Classification: low risk level affects processing rates and requirements
  • Business Types: Suitable for family clothing stores, children's clothing, multi-age apparel, family fashion retailers
  • Category: Part of the clothing stores merchant category
  • Processing Considerations: Low-risk retail category with consistent demand. Back-to-school seasons may show transaction spikes.
  • Typical Limits: Daily: $10,000 - $100,000, Per Transaction: $1,000 - $10,000

Compliance Requirements

  • PCI DSS compliance for card data security
  • Adherence to card brand rules and regulations
  • Accurate transaction descriptors and coding

Fraud Prevention Best Practices

  • Implement address verification (AVS) for all transactions
  • Use CVV verification for card-not-present transactions
  • Monitor for unusual transaction patterns
  • Set appropriate transaction limits
  • Review high-value transactions manually
  • Keep customer communication records
  • Use fraud detection tools provided by processor

Seasonal Business Patterns

Strong seasonal patterns with peaks during change of seasons (Spring/Fall) and holiday shopping. Summer and winter clearance sales can also drive significant volume.

Common Application Decline Reasons

Avoid these common pitfalls when applying for MCC 5651:

  • Incomplete or inaccurate business information
  • Mismatch between stated and actual business activities
  • Poor credit history or financial instability
  • Insufficient documentation provided
  • Business location or ownership concerns
  • Unusual transaction patterns

Technical Integration Notes

Integration for MCC 5651 businesses typically involves standard payment gateway APIs. Both online and offline payment methods should be considered based on your business model. Ensure your integration supports proper transaction coding and includes all required fields for low-risk processing.

Benefits of Using MCC 5651

  • Accurate Classification: Ensures your business is properly categorized for optimal processing
  • Appropriate Rates: Access to competitive rates for your business type
  • Compliance: Meets industry standards and payment network requirements
  • Risk Management: Proper classification helps with fraud prevention and risk assessment

Getting Started with MCC 5651

To set up payment processing with MCC 5651, you'll need to work with a qualified payment processor who understands the requirements for family clothing stores:

  1. Documentation: Gather necessary business documentation and licenses
  2. Application: Complete merchant account application with MCC 5651
  3. Underwriting: Payment processor reviews your application and business model
  4. Setup: Configure payment processing systems and integrate with your business
  5. Testing: Test payment processing before going live

Need Help with MCC 5651 Payment Processing?

Our payment processing experts specialize in clothing stores businesses and can help you set up merchant account solutions with the right MCC code for optimal processing.

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Frequently Asked Questions

Common questions about MCC 5651 payment processing

MCC 5651 is the merchant category code for family clothing stores. It's used by payment processors to classify businesses in this industry for appropriate processing rates and risk assessment.

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