MCC 5411: Grocery Stores and Supermarkets

MCC 5411 is the merchant category code for grocery stores and supermarkets. Visa, Mastercard, Discover, and American Express assign it to businesses such as supermarkets, grocery chains, and food co-ops.

Code
5411
Category group
Retail Outlet Services
Risk rating
Standard risk

Which businesses use MCC 5411?

Acquiring banks assign MCC 5411 to merchants whose primary line of business is grocery stores and supermarkets. Common examples include:

  • Supermarkets
  • Grocery chains
  • Food co-ops

Is MCC 5411 considered high risk?

Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.

How does MCC 5411 affect processing fees?

MCC 5411 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 5411 merchants

Niche Payments runs a dedicated high-volume payment processing program for businesses classified under MCC 5411. 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 5411 mean?

MCC 5411 is the merchant category code for Grocery Stores and Supermarkets. Card networks use it to classify transactions from businesses such as supermarkets, grocery chains, and food co-ops.

Is MCC 5411 high risk?

MCC 5411 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 5411?

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 5411 does not describe the primary line of business.