EXPANDED MERCHANT GUIDE · VISA · OCTOBER 2026
MCC 5734:
Computer Software Stores
Software retail. Software sales require a clear license, delivery and refund model; subscriptions and remotely delivered access add billing considerations.
View the source & scope ↓THE CLASSIFICATION
What does MCC 5734 cover?
Software retail.
Do not assign every SaaS business to 5734. The delivered product, sales model and network rules need review.
The code belongs to the Home & electronics retail group in this directory. The acquirer must confirm the appropriate assignment for the merchant and the relevant card network.
ILLUSTRATIVE BUSINESS FIT
What could a matching business look like?
- A business-software license retailer
- A store selling packaged desktop applications
These examples illustrate the classification. They are not verified NUMUS customers or confirmed transaction-level assignments.
LOOK BEYOND THE LABEL
Risk & provider review
Software sales require a clear license, delivery and refund model; subscriptions and remotely delivered access add billing considerations.
Why this category sits here
- License rights
- Digital delivery
Operating assumptions
Lawful owned or licensed digital product, verifiable access and explicit billing permissions; no wagering or restricted activity assumed.
What could raise the risk?
- Unlicensed products
- Unclear recurring charges or refund rights
Assessment basis: Individual business-category assessment. This is an editorial category assessment, not a bank’s rating, an individual merchant decision, a forecast of losses or a promise of approval.
How we assess risk & source references ↗No specific high-integrity-risk flag is reproduced here from the reviewed Visa classification section. This is not an exemption or a finding that no other requirements apply.
Questions worth preparing
- Is the product packaged software, an app, hosted access or custom development?
- Is access delivered immediately, and can you show fulfillment?
- Are renewals automatic, and how does cancellation work?
Your provider may also ask about transaction size, monthly volume, refunds, disputes, customer locations and delivery timing. Use your actual business facts when discussing the code.
THE DISTINCTIONS MATTER
Nearby codes to understand
Compare the definitions rather than choosing whichever code appears more favorable. Separate activities or network rules can change the correct treatment.
CHECK THE REFERENCE
Source, date & scope
Code and classification reference: Visa Merchant Data Standards Manual, October 2026. Directory reviewed November 3, 2026.
Visa source · PDF page 72 · printed page 69 ↗Network descriptions and requirements can differ. This entry does not assert complete Mastercard coverage. Confirm current classifications and any special registration requirements with your acquirer.
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Build the payment setup around it.
THE BUSINESS BEHIND THE CODE
Find processing that fits
your actual business.
Your MCC is one piece of the conversation. Tell NUMUS what you sell, how you deliver it, and how your customers pay. We’ll help you take the next step.