Men's and Women's Clothing and Accessories Stores

MCC 5691 Payment Processing Guide

Understanding MCC 5691 for men's and women's clothing and accessories 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 5691?

MCC 5691 is designated for men's and women's clothing and accessories stores. This merchant category code is classified as low risk by payment processors and is commonly used by businesses such as clothing and accessories, fashion stores, apparel and accessories.

Key Features and Requirements

• Risk Classification: low risk level affects processing rates and requirements
• Business Types: Suitable for clothing and accessories, fashion stores, apparel and accessories, style retailers
• Category: Part of the clothing stores merchant category
• Processing Considerations: Low-risk retail category with trend-based purchasing patterns. May experience seasonal variations and return activity.
• 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

Technical Integration Notes

Integration for MCC 5691 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 5691

• 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 5691

To set up payment processing with MCC 5691, you'll need to work with a qualified payment processor who understands the requirements for men's and women's clothing and accessories stores:

1. Documentation: Gather necessary business documentation and licenses
2. Application: Complete merchant account application with MCC 5691
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