MCC 5039
Construction Materials, Not Elsewhere Classified
What is MCC 5039?
5039 is the Merchant Category Code for Construction Materials, Not Elsewhere Classified. It sits within retail — stores that sell goods directly to consumers, from grocery to hardware. Card networks — Visa, Mastercard, Discover and American Express — assign a four-digit MCC like this one to every business based on what it primarily sells, and it travels with each card transaction the business runs.
Who's assigned MCC 5039?
Businesses classified as Construction Materials, Not Elsewhere Classified are typically assigned MCC 5039 when their merchant account is boarded. Your payment processor sets the code based on how your business is described and what it sells — so a business whose primary activity matches this category will usually carry 5039.
How MCC 5039 affects your processing
Your MCC influences your interchange rates, how the card networks classify your risk, and which programs apply to you — reward categories, debit routing, and surcharge or cash-discount eligibility. For a standard-risk category like this, the thing that matters most is simply making sure your code is accurate and your markup over interchange is fair — that's usually where merchants quietly overpay.
Is 5039 the right code for your business?
If the MCC on your statement doesn't match what you actually sell, it can affect your costs and your eligibility for certain programs. Upload your last statement and we'll confirm your category, check your effective rate against it, and show you — line by line — exactly what you'd save.
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