MCC 5122: Drugs, Drug Proprietaries, and Druggist Sundries

MCC 5122 is the merchant category code for drugs, drug proprietaries, and druggist sundries. Visa, Mastercard, Discover, and American Express assign it to businesses such as peptide suppliers, nutraceutical brands, and pharmaceutical wholesalers.

Code
5122
Category group
Retail Outlet Services
Risk rating
High risk

Which businesses use MCC 5122?

Acquiring banks assign MCC 5122 to merchants whose primary line of business is drugs, drug proprietaries, and druggist sundries. Common examples include:

  • Peptide suppliers
  • Nutraceutical brands
  • Pharmaceutical wholesalers

Is MCC 5122 considered high risk?

Card networks and most mainstream processors classify this MCC as high risk. Approval usually requires a specialist acquirer, a rolling reserve, and chargeback monitoring.

How does MCC 5122 affect processing fees?

MCC 5122 determines which interchange category Visa and Mastercard apply to each transaction. Codes in the retail outlet services range share interchange programs, so two merchants with the same card mix but different MCCs can pay different wholesale rates.

Payment processing for MCC 5122 merchants

Niche Payments runs a dedicated peptide payment processing program for businesses classified under MCC 5122. Stable merchant accounts for peptide and research compound sellers.

  • Underwriting built for research peptides and nutraceuticals
  • Multiple MIDs and load balancing to keep sales running
  • Compliance review of site copy before you apply

Frequently asked questions

What does MCC 5122 mean?

MCC 5122 is the merchant category code for Drugs, Drug Proprietaries, and Druggist Sundries. Card networks use it to classify transactions from businesses such as peptide suppliers, nutraceutical brands, and pharmaceutical wholesalers.

Is MCC 5122 high risk?

MCC 5122 is generally rated high risk. Card networks and most mainstream processors classify this MCC as high risk. Approval usually requires a specialist acquirer, a rolling reserve, and chargeback monitoring.

Can a business change its MCC from 5122?

A business can request a different MCC through its acquiring bank. The acquirer reviews what the business actually sells and reassigns the code only if 5122 does not describe the primary line of business.