MCC 5499: Miscellaneous Food Stores (Convenience and Specialty Markets)
MCC 5499 is the merchant category code for miscellaneous food stores (convenience and specialty markets). Visa, Mastercard, Discover, and American Express assign it to businesses such as convenience stores, specialty markets, and supplement shops.
- Code
- 5499
- Category group
- Retail Outlet Services
- Risk rating
- Elevated risk
Which businesses use MCC 5499?
Acquiring banks assign MCC 5499 to merchants whose primary line of business is miscellaneous food stores (convenience and specialty markets). Common examples include:
- Convenience stores
- Specialty markets
- Supplement shops
Is MCC 5499 considered high risk?
Acquirers review this MCC more closely because of card-not-present volume, refund rates, or chargeback history. Expect extra documentation and possible volume caps.
How does MCC 5499 affect processing fees?
MCC 5499 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 5499 merchants
Niche Payments runs a dedicated peptide payment processing program for businesses classified under MCC 5499. Stable merchant accounts for peptide and research compound sellers.
- Underwriting built for research peptides and nutraceuticals
- Multiple MIDs and load balancing to keep sales running
- Compliance review of site copy before you apply
Frequently asked questions
What does MCC 5499 mean?
MCC 5499 is the merchant category code for Miscellaneous Food Stores (Convenience and Specialty Markets). Card networks use it to classify transactions from businesses such as convenience stores, specialty markets, and supplement shops.
Is MCC 5499 high risk?
MCC 5499 is generally rated elevated risk. Acquirers review this MCC more closely because of card-not-present volume, refund rates, or chargeback history. Expect extra documentation and possible volume caps.
Can a business change its MCC from 5499?
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 5499 does not describe the primary line of business.