Medium Risk
MCC Codes

Slightly higher fees

Interchange rates are 0.1-0.5% above standard. Most acquirers accept these codes without rolling reserves.

Additional documentation

Expect enhanced KYC/KYB during onboarding — business licenses, refund policies, and delivery proof may be required.

Chargeback sensitivity

Card networks monitor these MCCs more closely. Exceeding 1% chargeback rates can trigger escalation programs.