MCC 5310: Discount Stores
MCC 5310 is the merchant category code for discount stores. Visa, Mastercard, Discover, and American Express assign it to businesses such as dollar stores, discount retailers, and outlet stores.
- Code
- 5310
- Category group
- Retail Outlet Services
- Risk rating
- Standard risk
Which businesses use MCC 5310?
Acquiring banks assign MCC 5310 to merchants whose primary line of business is discount stores. Common examples include:
- Dollar stores
- Discount retailers
- Outlet stores
Is MCC 5310 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 5310 affect processing fees?
MCC 5310 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 5310 merchants
Niche Payments runs a dedicated high-volume payment processing program for businesses classified under MCC 5310. Interchange-plus pricing for merchants processing millions a month.
- Interchange-plus and Level 2 / Level 3 data rates
- Dedicated account manager and custom reserve terms
- Multi-location and multi-entity reporting in one dashboard
Frequently asked questions
What does MCC 5310 mean?
MCC 5310 is the merchant category code for Discount Stores. Card networks use it to classify transactions from businesses such as dollar stores, discount retailers, and outlet stores.
Is MCC 5310 high risk?
MCC 5310 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 5310?
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 5310 does not describe the primary line of business.