5817Digital Goods — Applications (Excluding Games)
App store purchases and SaaS subscriptions. Includes both mobile apps and business software subscriptions.
Merchants Using MCC 5817
Well-known businesses assigned this code
Risk Assessment
May require additional documentation or slightly higher processing fees. Some processors apply enhanced monitoring.
Common Use Cases
- App purchases
- SaaS subscriptions
- In-app purchases
- Business software
Category Details
- Category
- Digital Goods & Services
- MCC Range
- 5815–5818
- Description
- Digital media, games, apps, and software subscriptions.
Credit Card Rewards
Digital goods may code as streaming, online purchases, or miscellaneous. Rewards vary depending on how the processor reports the transaction.
Why MCC Codes Matter for Your Business
Your MCC code directly affects how card networks and processors treat your transactions.
Approval Rate Impact
Processors have different acceptance rates per MCC. A misclassified code can silently tank your approval rate by 5-15%, costing revenue on every declined transaction.
Interchange Fees
The interchange fee you pay on every transaction is directly tied to your MCC code. Some categories pay 0.5% less per transaction — at scale, that compounds into significant savings or hidden costs.
Chargeback Thresholds
Visa and Mastercard set different chargeback monitoring thresholds per MCC category. High-risk MCCs face stricter limits — exceeding them triggers fines, reserve requirements, or account termination.
Wrong MCC = Serious Risk
An incorrect MCC assignment means you could be paying inflated fees, hitting the wrong chargeback program, or worse — facing account termination for "MCC mismatch" during a processor audit.
Tagada Optimizes Routing by MCC Code
Tagada's payment orchestration engine analyzes your MCC code to route each transaction to the processor with the highest approval rate and lowest fees for that specific merchant category. For MCC 5817, this means your digital goods — applications (excluding games) transactions are automatically sent through the optimal path in your processor stack.
Related Payment Terms
Frequently Asked Questions
What is MCC 5817?
Do SaaS companies use MCC 5817?
Is MCC 5817 high risk?
Tagada Platform
Optimize MCC 5817 payments with Tagada
Tagada's intelligent routing engine optimizes MCC 5817 transactions for the best approval rate, lowest fees, and fastest settlement across your processor stack.