MCC 5542: Automated Fuel Dispensers

Which businesses use MCC 5542?

Acquiring banks assign MCC 5542 to merchants whose primary line of business is automated fuel dispensers. Common examples include:

• Pay-at-the-pump fuel
• Unattended fueling

Is MCC 5542 considered high risk?

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

How does MCC 5542 affect processing fees?

MCC 5542 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 5542 merchants

Niche Payments runs a dedicated high-volume payment processing program for businesses classified under MCC 5542. 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 5542 mean?

MCC 5542 is the merchant category code for Automated Fuel Dispensers. Card networks use it to classify transactions from businesses such as pay-at-the-pump fuel, and unattended fueling.

Is MCC 5542 high risk?

MCC 5542 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 5542?

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 5542 does not describe the primary line of business.