MCC 5261: Nurseries and Lawn and Garden Supply Stores
MCC 5261 is the merchant category code for nurseries and lawn and garden supply stores. Visa, Mastercard, Discover, and American Express assign it to businesses such as garden centers, plant nurseries, and landscape supply.
- Code
- 5261
- Category group
- Retail Outlet Services
- Risk rating
- Standard risk
Which businesses use MCC 5261?
Acquiring banks assign MCC 5261 to merchants whose primary line of business is nurseries and lawn and garden supply stores. Common examples include:
- Garden centers
- Plant nurseries
- Landscape supply
Is MCC 5261 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 5261 affect processing fees?
MCC 5261 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.
Frequently asked questions
What does MCC 5261 mean?
MCC 5261 is the merchant category code for Nurseries and Lawn and Garden Supply Stores. Card networks use it to classify transactions from businesses such as garden centers, plant nurseries, and landscape supply.
Is MCC 5261 high risk?
MCC 5261 is generally rated standard risk. Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
Can a business change its MCC from 5261?
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 5261 does not describe the primary line of business.