Tag: mcc 5723

Card Network Programs

Firearm and Vape Merchants Need a Descriptor Check Whenever an Acquirer Changes Their MCC

When an acquirer moves a firearm or nicotine account to MCC 5723, 5993, or a new location record, Visa's April 2026 data rules and October 2026 dispute guide make the statement descriptor part of the change, with VAMP's 1.5% merchant line leaving little room for unrecognized charges.

E-commerce 4 Internet Marketers Editorial
Firearms & Tactical

MCC 5723 State Laws Split Online Firearm Processing as H.R. 1181 Waits in the Senate

Acquirers in California, Colorado, and New York must assign MCC 5723 to qualifying gun retailers, while Texas, Florida, Kentucky, Arkansas, and other states ban or restrict the code. The House passed H.R. 1181 on July 14, 2026 to preempt both sides, but the Senate has not acted.

E-commerce 4 Internet Marketers Editorial