MCC 5441: Candy, Nut, and Confectionery Stores
MCC 5441 is the merchant category code for candy, nut, and confectionery stores. Visa, Mastercard, Discover, and American Express assign it to businesses such as candy shops, chocolatiers, and nut roasters.
- Code
- 5441
- Category group
- Retail Outlet Services
- Risk rating
- Standard risk
Which businesses use MCC 5441?
Acquiring banks assign MCC 5441 to merchants whose primary line of business is candy, nut, and confectionery stores. Common examples include:
- Candy shops
- Chocolatiers
- Nut roasters
Is MCC 5441 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 5441 affect processing fees?
MCC 5441 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 5441 mean?
MCC 5441 is the merchant category code for Candy, Nut, and Confectionery Stores. Card networks use it to classify transactions from businesses such as candy shops, chocolatiers, and nut roasters.
Is MCC 5441 high risk?
MCC 5441 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 5441?
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 5441 does not describe the primary line of business.