MCC 5968: Direct Marketing, Continuity & Subscription Merchants
MDR (IC++)
0.5% - 3%
Markup over interchange + scheme
Rolling reserve
5% - 10%
Typical 180-day hold
Risk tier
Elevated
Typical acquirer treatment
Continuity and subscription-billing merchants across verticals.
Elevated-tier codes are underwritten selectively. Expect closer file review, moderate reserves, and pricing that rewards a clean chargeback record.
Acquiring notes.
Subscription and continuity billing is underwritten on cancellation mechanics: acquirers read your trial terms, cancellation path and descriptor before they read your volumes. Negative-option billing is the pattern they are screening against. Merchants with clean recurring mechanics, correct MIT flagging and account-updater coverage consistently earn better pricing than this code suggests.
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 5968 questions.
Who assigns MCC 5968?
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 5968 cost to process under?
In our catalogue, 5968 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 Direct Marketing.
Processing under 5968? Read how we place Subscriptions merchants.