MCC 5541: Service Stations
MCC 5541 is the merchant category code for service stations. Visa, Mastercard, Discover, and American Express assign it to businesses such as gas stations, and truck stops.
- Code
- 5541
- Category group
- Retail Outlet Services
- Risk rating
- Standard risk
Which businesses use MCC 5541?
Acquiring banks assign MCC 5541 to merchants whose primary line of business is service stations. Common examples include:
- Gas stations
- Truck stops
Is MCC 5541 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 5541 affect processing fees?
MCC 5541 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 5541 merchants
Niche Payments runs a dedicated high-volume payment processing program for businesses classified under MCC 5541. 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 5541 mean?
MCC 5541 is the merchant category code for Service Stations. Card networks use it to classify transactions from businesses such as gas stations, and truck stops.
Is MCC 5541 high risk?
MCC 5541 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 5541?
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 5541 does not describe the primary line of business.