MCC 5812: Eating Places and Restaurants
MCC 5812 is the merchant category code for eating places and restaurants. Visa, Mastercard, Discover, and American Express assign it to businesses such as full-service restaurants, cafes, and diners.
- Code
- 5812
- Category group
- Miscellaneous Stores
- Risk rating
- Standard risk
Which businesses use MCC 5812?
Acquiring banks assign MCC 5812 to merchants whose primary line of business is eating places and restaurants. Common examples include:
- Full-service restaurants
- Cafes
- Diners
Is MCC 5812 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 5812 affect processing fees?
MCC 5812 determines which interchange category Visa and Mastercard apply to each transaction. Codes in the miscellaneous stores range share interchange programs, so two merchants with the same card mix but different MCCs can pay different wholesale rates.
Payment processing for MCC 5812 merchants
Niche Payments runs a dedicated restaurant payment processing program for businesses classified under MCC 5812. 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 5812 mean?
MCC 5812 is the merchant category code for Eating Places and Restaurants. Card networks use it to classify transactions from businesses such as full-service restaurants, cafes, and diners.
Is MCC 5812 high risk?
MCC 5812 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 5812?
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 5812 does not describe the primary line of business.