MCC 5712: Furniture, Home Furnishings, and Equipment Stores, Except Appliances

You saw "5712" on a statement, in a rewards list or in a processor form. It's the merchant category code for furniture stores. Here is Visa's exact definition, the codes it gets confused with, and the Visa rules that matter when a sofa ships weeks after the payment.

What MCC 5712 means

MCC 5712 is the four-digit code Visa titles Furniture, Home Furnishings, and Equipment Stores, Except Appliances. Its manual defines it in one sentence:1Visa, Merchant Data Standards Manual, April 2026

Visa's "Included in this MCC" column lists these entries, word for word:1Visa, Merchant Data Standards Manual, April 2026

• Bedding, Mattress Stores
• Custom Made Furniture
• Equipment Stores
• Home Furnishings, Furniture
• Made-to-Order Furniture
• Mattress Stores
• Outdoor Furnishings
• Patio, Porch Furnishings Stores

Stripe uses the same title, with the code name furniture_home_furnishings_and_equipment_stores_except_appliances.3Stripe Docs, Set merchant category codes (read October 14, 2026) Mastercard publishes its own definitions; ask your acquirer for its label if you need it.

Who uses it. Furniture and mattress stores, made-to-order and custom furniture makers, outdoor and patio furniture sellers, and their websites. Visa assigns the code from the line of business with the most annual sales.1Visa, Merchant Data Standards Manual, April 2026 PXP lists IKEA, DFS, Wayfair, West Elm and Pottery Barn as common 5712 merchants.5PXP, MCC 5712 Furniture, Home Furnishings, and Equipment Stores (directory, read October 14, 2026) That's a directory, not an official source: each store's acquirer sets the code, and one store can have terminals with different codes.6Mail.ru Finance, MCC 5712 article (in Russian, directory, read October 14, 2026)

Codes it is not: 5712 vs 5719, 5021, 7641 and others

Visa lists six similar merchants for 5712: 5713, 5714, 5719, 5722, 5732 and 7641.1Visa, Merchant Data Standards Manual, April 2026 We add 5021, 5932 and 5300, which also point back to 5712 in Visa's manual. The other home codes (rugs, curtains, fireplaces, china) are compared on our MCC 5719 page.

Source: Visa Merchant Data Standards Manual, April 2026, pages 54, 61, 70 to 72, 75 and 96.1Visa, Merchant Data Standards Manual, April 2026

Some directories put office equipment retailers and home decor shops under 5712.7Rapyd, What Businesses Fall Under MCC 5712? (read October 14, 2026) Visa's wording sends B2B office furniture to 5021 and lamps, mirrors and pictures to 5719.

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Deposits and delayed delivery: what Visa's rules say

Visa's Core Rules don't name 5712.2Visa Core Rules and Visa Product and Service Rules, April 18, 2026 The rules that matter are general ones, and furniture hits them often because orders ship weeks later. The disclosure and receipt rules for a deposit are summarized on our MCC 5511 page. What changes for furniture:2Visa Core Rules and Visa Product and Service Rules, April 18, 2026

• Full prepayment is limited. Only some merchant categories may take an Advance Payment for the entire price before delivery, including custom goods and face-to-face sales where items will be shipped later. The terms must give the shipping date. A made-to-order sofa fits; a stock sofa sold online doesn't.
• Stock items: charge at shipping. For shipped goods, except an Advance Payment, the transaction date must be on or after the ship date (section 7.6.1.1).
• Partial deposits. The full-price limit doesn't cover a partial deposit, which follows the general rules: express consent to the terms, the refund deadline, and "Deposit", "Advance Payment" or "Partial Payment" on the receipt.
• Late delivery disputes. A "not received" dispute can be filed up to 120 days after the last date the cardholder expected delivery, capped at 540 days from processing. If the item arrives late, the cardholder must return or try to return it first.
• Unpaid balance. A dispute is invalid when the cardholder didn't pay the balance of a partial Advance Payment and the merchant is willing and able to deliver.

Is MCC 5712 high risk?

No. 5712 is a standard retail code. Here is what each rule-maker says, read at the source in October 2026.

The Przelewy24 page adds a rule that hits many furniture web shops: dropshipping businesses are prohibited from P24 whatever their code.4Stripe Docs, Przelewy24 payments (read October 14, 2026) Pick the code that describes your business, not the one with fewer restrictions; Visa fines acquirers when merchant data is altered to get around its risk programs. Codes Visa does flag are in our high-risk MCC codes guide.

For cardholders and merchants

Cardholders. You see 5712 when you paid a store its acquirer classed as a furniture retailer. Each issuing bank decides which MCCs earn bonus points or cashback. Read your card's terms before a large purchase. Only the merchant's acquirer can change the code; if a charge looks wrong, call your bank before you open a chargeback.

Merchants. Stripe notes that MCCs are used to calculate interchange fees, authorize payments and prevent fraud.3Stripe Docs, Set merchant category codes (read October 14, 2026)

Step-by-step instructions per processor are in how to find your MCC code.