What is MCC code 5719?

MCC 5719 explained for home furnishing stores. Verify your code and its impact. Get JIM on iOS/Android for 1.99% flat-rate instant payments.

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Mar 20, 2026

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2 min read time

MCC 5719 is a merchant category code the International Organization for Standardization (ISO) uses to classify miscellaneous home furnishing specialty stores. This code applies to businesses that sell specific home decor items not covered by other, more general categories. Transactions at retailers specializing in products like floor coverings, lampshades, mirrors, and picture frames typically fall under this classification. These stores offer a focused selection of goods for home decoration.

Which businesses fall under MCC 5719?

MCC 5719 applies to a broad range of specialty home furnishing establishments:

Floor covering stores: These retailers specialize in carpets, rugs, hardwood, laminate, and tile. They offer a focused inventory for homeowners and designers looking to update flooring, a category distinct from general home improvement centers.
Window treatment stores: Businesses like Budget Blinds or The Shade Store focus on curtains, drapes, blinds, and shutters. They provide custom and ready-made solutions for window coverings, often including installation services for their products.
Lighting stores: These shops sell a variety of lighting fixtures, from chandeliers and pendant lights to table lamps and lampshades. Their specialized product range caters to specific decorative and functional lighting needs within a home.
Picture and frame shops: Establishments such as Framebridge or local custom framers fall into this category. They offer services for framing art, photographs, and mirrors, along with selling ready-made frames and wall art.
Fireplace and mantel stores: These specialty shops sell fireplaces, wood-burning stoves, mantels, and related accessories. They provide homeowners with decorative and functional heating solutions that enhance a room's ambiance and design.
Home fragrance boutiques: Retailers like Yankee Candle focus exclusively on products that scent the home, such as candles, diffusers, and room sprays. Their inventory is dedicated to enhancing the atmosphere through fragrance.

Business implications of MCC 5719

Payment networks including Visa, Mastercard, American Express, and Discover use MCC 5719 to categorize transactions, which affects several aspects of business operations. These networks use the code to assess a business's risk profile. Since miscellaneous home furnishing stores typically involve low-risk, in-person sales, they often qualify for more favorable interchange rates, reducing transaction costs.

Beyond processing fees, this classification also influences internal financial management. The code provides a standardized way to track spending and manage compliance, which streamlines several back-office functions for both the merchant and their business customers.

Expense tracking

Companies use MCC codes to automatically categorize business expenses. Purchases from MCC 5719 stores are clearly labeled on credit card statements, simplifying expense reports and helping businesses identify potential tax deductions for office furnishings or decor.

Financial analysis

Businesses can perform detailed financial analysis with MCC data. By isolating spending under MCC 5719, finance teams can track expenditures on home and office decor, analyze patterns over time, and create more accurate forecasts for future budget allocations.

Compliance and auditing

For compliance purposes, consistent MCC application creates a reliable audit trail. This digital footprint allows auditors to quickly verify that expenses for home furnishings are legitimate and align with company policy.

Rewards and customer behavior

Credit card issuers use MCCs to structure their rewards programs. Cardholders may earn bonus points or cash back on home furnishing purchases, a perk that can influence their decision to shop at stores classified under MCC 5719.

How to verify your business's MCC

Home furnishing specialty store owners should confirm their MCC classification for proper transaction processing and to avoid customer confusion regarding rewards eligibility. If you find out that your business is incorrectly classified, for example, a lighting store coded as a general furniture store, contact your payment processor immediately to request reclassification.

Here's how to verify your MCC classification is set up correctly:

Contact Your Payment Processor: Your merchant services provider assigned the MCC code when you set up your account. To verify your classification, contact their customer service department or review the details in your original merchant agreement documents. This is the most direct confirmation method.
Review Processing Statements: Your monthly merchant statements typically display the assigned MCC. Look for a four-digit number in the account information or business profile section of the statement. This code identifies how your transactions get categorized by payment networks.
Check with Your Acquirer: The acquiring bank or financial institution that processes your payments maintains the MCC code in their system. You can reach out to their merchant support team, and they can confirm your current classification directly from their records.
Test Transaction Method: Some merchants run a small test transaction on a personal credit card to see how it appears on the statement. While this can offer a clue, this method is less reliable than direct confirmation from your payment processor.

How to choose a reliable payment service provider

Your MCC 5719 classification directly affects interchange rates and processing requirements, so the choice of a payment processor is important. Processors handle transactions for specialty home furnishing stores differently. Variations in pricing models, settlement speed, and support can have a cumulative effect on your business. Consider these factors when you select a provider.

Transparent pricing: Complex pricing models with hidden fees can erode profits. A flat-rate structure offers predictability for better financial planning. The JIM tap-to-pay app for iPhone and Android charges 1.99% per transaction with no setup costs, monthly fees, or premium card surcharges.
Payment method support: To meet customer expectations, your processor should accept all major credit cards, including Visa, Mastercard, and Discover. Support for digital wallets like Apple Pay and Google Pay is also a standard expectation.
Fast fund access: Quick access to funds helps manage cash flow for home furnishing stores. Faster settlements allow you to restock specialty inventory, cover supplier payments, and meet payroll without delays that can disrupt your operations.
Security: A secure processor protects your business and customers with modern security standards like encryption. Top providers use tokenization for every transaction, so sensitive card numbers are never stored on your device or in your system.
Reporting: Look for a provider that offers clear analytics. The JIM AI assistant provides sales reports and transaction history through a chat interface, which simplifies business analysis.

Streamline payments with JIM

JIM offers home furnishing specialty store owners a straightforward payment solution. The JIM tap-to-pay app transforms your iPhone or Android device into a tap-to-pay terminal with NFC technology, so you need no extra hardware. You pay a flat 1.99% per transaction. There are no setup costs, monthly fees, or variable rates for premium cards. This simple structure helps you predict your expenses and manage your budget.

For remote transactions, you can use payment links at a rate of 4.99% + $0.30 per sale (ideal for custom orders or phone sales). Your funds become available instantly on a JIM Visa Prepaid Card after each transaction. You can add this card to Apple Pay or Google Pay for immediate use. This quick access to your money lets you manage your business finances with greater flexibility.

Frequently asked questions about 5719

What is Merchant Category Code 5719?

Merchant Category Code 5719 is a four-digit classification number assigned to miscellaneous home furnishing specialty stores by payment networks and the ISO. This code identifies transactions at retailers that sell specific decor items like floor coverings, window treatments, and lighting fixtures. Payment processors use this code to categorize sales for interchange fees, financial reporting, and customer rewards programs.

Is Merchant Category Code 5719 high-risk?

Payment processors classify MCC 5719 as a low-risk category. This classification stems from the low fraud rates and chargeback likelihood associated with in-person sales at specialty home furnishing stores. Consequently, businesses with this code often receive favorable interchange rates, which lowers their transaction processing fees.

Can a business have multiple MCC codes?

A business typically receives one MCC code per merchant account, determined by its main business activity. If a company operates multiple, distinct business lines, it can establish separate merchant accounts, each with its own appropriate code. For instance, a large furniture store (MCC 5712) that also runs a specialized department for custom window treatments might have a second merchant account for that department. This separate account would use MCC 5719 to properly classify those specific transactions.

What happens if my MCC code is wrong?

An incorrect MCC code creates several problems for a business. Customers might miss out on credit card rewards for their home decor purchases, a frustration that affects their shopping choices and loyalty. The business itself could face improper interchange rates, resulting in higher transaction costs. In other cases, an erroneously low rate could breach payment network agreements and lead to compliance penalties.

Can merchants choose their MCC code?

Merchants do not select their own MCC code. Instead, payment processors assign a code that reflects the business's main source of revenue, a decision guided by ISO standards and payment network rules. This classification is not permanent, however. If a merchant believes their code is a mismatch for their business model, they can contact their processor to request a reclassification.

How does MCC 5719 affect my payment processing costs?

Your MCC 5719 classification directly influences the interchange rates you pay on each transaction. Since specialty home furnishing stores are considered low-risk, this code typically secures moderate rates that are lower than high-risk industries but higher than categories like grocery stores. The exact impact on your bottom line, however, depends on your payment processor’s pricing model.

Processors with interchange-plus pricing pass these variable rates directly to you, so your costs fluctuate with every card type, while flat-rate processors like JIM absorb the variability and charge you a consistent fee regardless of card type.