MCC 5815: Digital Goods, Media: Books, Movies, Music
MDR (IC++)
0.5% - 3%
Markup over interchange + scheme
Rolling reserve
5% - 10%
Typical 180-day hold
Risk tier
Elevated
Typical acquirer treatment
Digital audiovisual media, music, video, and film streaming or downloads.
Elevated-tier codes are underwritten selectively. Expect closer file review, moderate reserves, and pricing that rewards a clean chargeback record.
Acquiring notes.
Digital media under this code is underwritten on subscription mechanics and content rights: acquirers check you have the licences for what you stream or sell, then read your billing pattern like any recurring merchant. Low fulfilment risk keeps it mid-tier, and friction-free cancellation keeps it there.
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 5815 questions.
Who assigns MCC 5815?
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 5815 cost to process under?
In our catalogue, 5815 typically carries an MDR of 0.5% - 3% IC++ (markup over interchange and scheme fees) with a rolling reserve of 5% - 10%. 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.
Other codes in Digital Goods & Services.
Processing under 5815? Read how we place Digital Entertainment merchants.