MCC 5039: Construction Materials, Not Elsewhere Classified
MDR (IC++)
0.2% - 1.5%
Markup over interchange + scheme
Rolling reserve
0% - 5%
Typical 180-day hold
Risk tier
Standard
Typical acquirer treatment
Construction Materials, Not Elsewhere Classified.
Standard-tier codes sit on the accepted list of most acquirers. Underwriting is routine, pricing is competitive, and reserves are low or waived with history.
Figures are typical ranges from the BZNpay MCC catalogue, not an offer. The acquiring bank makes the final code assignment and sets final terms. BZNpay places merchants in this category: one qualified file brings back 2 or 3 acquirers whose appetite covers it, typically within 24 hours.
MCC 5039 questions.
Who assigns MCC 5039?
Your acquiring bank assigns the MCC during underwriting, based on your business description and, increasingly, site-crawl and checkout review. The card networks define the list of codes and the rules for each one.
What does MCC 5039 cost to process under?
In our catalogue, 5039 typically carries an MDR of 0.2% - 1.5% IC++ (markup over interchange and scheme fees) with a rolling reserve of 0% - 5%. Where you land in the band depends on licensing where applicable, financials, and chargeback history. Final terms are set by the acquirer.
Can I process under a different, lower-risk code?
No. Operating under an MCC that does not match your actual business is miscoding, which card networks detect and punish with termination plus MATCH-list placement. If you believe your current code genuinely misrepresents your business, an acquirer can review and re-code.