SOURCE-BACKED REFERENCE ENTRY · VISA · OCTOBER 2026
MCC 5816:
Digital Goods – Games
A classification for digital game sellers.
View the source & scope ↓THE CLASSIFICATION
What does MCC 5816 cover?
A classification for digital game sellers.
The code belongs to the Digital goods 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?
- Digital game sellers
These examples illustrate the classification. They are not verified NUMUS customers or confirmed transaction-level assignments.
LOOK BEYOND THE LABEL
Risk & provider review
Ordinary digital-game sales require clear delivery and billing records; wagering or monetary-prize activity changes the review materially.
Why this category sits here
- Digital fulfillment
- In-game or recurring charges
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?
- Skill wagering or monetary prizes
- Unauthorized purchases or unclear refunds
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 ↗Questions worth preparing
- What goods or services generate the largest share of your sales?
- How and when do customers pay, and when are products or services delivered?
- Does a more specific network classification describe your actual business?
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.
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 74 · printed page 71 ↗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.
Read the directory methodology →CONNECT THE NEXT PIECE
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.