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**Merchant Category Code 5965: Direct Marketing - Combination Catalog and Retail Merchant**The Merchant Category Code 5965 is specifically designated for businesses that engage in direct marketing through a combination of catalog sales and retail operations. These merchants utilize both traditional mail-order catalogs and in-store retail strategies to reach customers, often incorporating outbound telemarketing to enhance their sales efforts. This MCC category is crucial for businesses that blend online and offline marketing tactics, making it an essential identifier for payment processing and risk management purposes in the financial industry.