The operators behind the MCC.
Streaming and media
Video and audio streaming, downloads, digital media under MCC 5815.
Games and virtual goods
Games, in-game purchases and virtual items under MCC 5816, including skin economies: trading, marketplaces and case-opening platforms.
Content networks and creators
Subscription content platforms and creator payout flows.
How card networks classify this vertical.
Typical ranges from our MCC catalogue: indicative, not a quotation. Reviewed 30 October 2026. The acquirer makes the final code assignment and sets final terms.
| MCC | Description | Risk tier | MDR (IC++) | Rolling reserve |
|---|---|---|---|---|
| 5815 | Digital Goods, Media: Books, Movies, Music | Elevated | 0.5% - 3% | 5% - 10% |
| 5816 | Digital Goods, Games | Elevated | 0.5% - 3% | 5% - 10% |
| 5817 | Digital Goods, Applications (Excluding Games) | Standard | 0.2% - 1.5% | 5% - 10% |
Not sure which code applies? Run the 60-second MCC lookup.
What actually decides your file.
Instant delivery, instant disputes
Digital goods deliver instantly, so the defense is access logs, not tracking numbers. Login and usage records are what the schemes accept as compelling evidence for digital services.
Descriptors drive disputes
Cardholder-does-not-recognize disputes are filed against legitimate transactions because of unclear billing descriptors. A brand-aligned descriptor eliminates most of them.
Skin economies need specialists
Skin trading, marketplaces and case-opening platforms process serious volume on cards and EU local methods. We support several companies in the segment and know which acquirers underwrite it.
The BZNpay playbook for digital entertainment and creator economy.
01
Evidence by design
Access logs, entitlement records and consent trails built into the flow before the first dispute arrives.
02
Descriptor and dunning hygiene
Recognizable descriptors and clean retry logic that separates soft from hard declines.
03
Method mix by corridor
Cards plus the EU local methods your audience actually uses, routed by country to the best-priced partner.
What partners typically ask digital entertainment and creator economy merchants for.
- Content policy and moderation overview
- Entitlement and access-log capability
- Billing descriptor plan
- UBO declarations
- Processing history
Send what you have; we tell you plainly what is missing. KYB documents are requested after qualification, through a secure channel, and underwriting decisions rest with the acquiring partner.
Free tools for your file:
MCC lookupChargeback risk calculatorReason codesLicense lookupGlossaryHigh-risk guideDigital Entertainment and Creator Economy questions.
Do you place skin trading and case-opening platforms?
Yes. We support several skin companies across trading, marketplaces and case-opening, with millions of transactions annually in the segment. Top methods are Visa and Mastercard cards plus EU local methods, with the strongest corridors in Brazil, Poland, France, Germany and India.
What MCC applies to a digital goods business?
Streaming and media sit under 5815, games and in-game purchases under 5816, and non-game applications under 5817. In our catalogue these carry typical MDRs from 0.2 to 3% and reserves of 5 to 10%, with the final assignment made by the acquirer.
Are high average order values a problem?
No. High AOV merchants are welcome. The file just needs the fraud controls and evidence trail to match.
Get your digital entertainment and creator economy file in front of the right acquirer.
Tell us about your business. Qualified files typically come back within 24 hours with 2 or 3 partners whose appetite fits, confidential by default.
Discuss platform acquiring →Also placed every week.
iGaming
Sportsbooks, casinos, poker, DFS. Licensed operators in regulated and newly regulating markets.
Crypto and Web3
Exchanges, on-ramps, wallets, NFT marketplaces. Card acceptance for MiCA-compliant operators.
Forex and CFDs
FX brokerage, CFDs, prop firms. Complex structures, clean settlement.
Travel and OTAs
Airlines, booking platforms, DMCs. Solutions for chargeback exposure and cross-border volume.
Subscriptions and Digital
SaaS, streaming, gaming, dating. Recurring billing with descriptor and dunning optimization.
Dating
Mainstream and niche platforms, with compliant checkout and anti-fraud controls.
Nutraceuticals and CBD
Supplements, wellness, jurisdiction-compliant CBD retail.
Prop Trading
Funded-trader programs and evaluation fees, underwritten on the strength of the compliance file.