MCC 5462: Bakeries
MCC 5462 is the merchant category code for bakeries. Visa, Mastercard, Discover, and American Express assign it to businesses such as bakeries, donut shops, and cake studios.
- Code
- 5462
- Category group
- Retail Outlet Services
- Risk rating
- Standard risk
Which businesses use MCC 5462?
Acquiring banks assign MCC 5462 to merchants whose primary line of business is bakeries. Common examples include:
- Bakeries
- Donut shops
- Cake studios
Is MCC 5462 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 5462 affect processing fees?
MCC 5462 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 5462 merchants
Niche Payments runs a dedicated restaurant payment processing program for businesses classified under MCC 5462. Tableside, counter, and online ordering payments in one place.
- Tip adjust, split checks, and pay-at-table devices
- Cash discount and dual pricing programs
- Online ordering and delivery integrations
Frequently asked questions
What does MCC 5462 mean?
MCC 5462 is the merchant category code for Bakeries. Card networks use it to classify transactions from businesses such as bakeries, donut shops, and cake studios.
Is MCC 5462 high risk?
MCC 5462 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 5462?
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 5462 does not describe the primary line of business.