Category · Clothing Stores
Clothing Stores MCC Codes
MCC codes for clothing, apparel, and fashion retailers including department stores, specialty clothing stores, and accessories.
13 codes in this category
Risk profile
- Low risk
- 13
- Medium risk
- 0
- High risk
- 0
Standard interchange rates, fewer dispute concerns.
Some processor scrutiny; manageable with the right setup.
Often require specialized acquirers and reserve arrangements.
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All Clothing Stores MCC Codes
Complete list of merchant category codes for clothing stores businesses.
Department Stores
Department stores, General merchandise stores, Chain stores
Men's and Women's Clothing Stores
Clothing stores, Apparel retailers, Fashion boutiques
Women's Ready to Wear Stores
Businesses classified under MCC 5621 typically include women's ready to wear stores.
Women's Accessory and Specialty Stores
Businesses classified under MCC 5631 typically include women's accessory and specialty stores.
Children's and Infants' Wear Stores
Businesses classified under MCC 5641 typically include children's and infants' wear stores.
Family Clothing Stores
Family clothing stores, Children's clothing, Multi-age apparel
Sports Apparel, and Riding Apparel Stores
Businesses classified under MCC 5655 typically include sports apparel, and riding apparel stores.
Shoe Stores
Businesses classified under MCC 5661 typically include shoe stores.
Furriers and Fur Shops
Businesses classified under MCC 5681 typically include furriers and fur shops.
Men's and Women's Clothing and Accessories Stores
Clothing and accessories, Fashion stores, Apparel and accessories
Alterations, Mending, Seamstresses, Tailors
Businesses classified under MCC 5697 typically include alterations, mending, seamstresses, tailors.
Wig and Toupee Shops
Businesses classified under MCC 5698 typically include wig and toupee shops.
Accessory and Apparel Stores-Miscellaneous
Businesses classified under MCC 5699 typically include accessory and apparel stores-miscellaneous.
Guide
Clothing Stores Payment Processing Guide
How to think about MCC selection, processing setup, and risk tradeoffs when running a clothing stores business.
Overview
Businesses in the clothing stores category have unique payment processing needs and requirements. Understanding the right MCC code for your specific business type is crucial for optimal payment processing setup.
Common Clothing Stores Business Types
- 5311Department StoresDepartment stores, General merchandise stores
- 5611Men's and Women's Clothing StoresClothing stores, Apparel retailers
- 5621Women's Ready to Wear Stores
- 5631Women's Accessory and Specialty Stores
- 5641Children's and Infants' Wear Stores
Payment Processing Considerations
When setting up payment processing for your clothing stores business, consider these important factors:
- Risk level: different MCC codes within this category carry varying risk levels that affect processing rates.
- Transaction patterns: typical transaction amounts and frequency shape underwriting expectations.
- Compliance requirements: some clothing stores businesses have specific regulatory obligations.
- Integration needs: your processor should support industry-specific software and gateways.
- Customer preferences: pick payment methods aligned with how your customers actually pay.
Need help with clothing stores processing?
Our payment processing experts understand the unique needs of clothing stores businesses and can help you find the right MCC code and merchant account solution.