MCC 5813: Drinking Places (Bars, Taverns, Nightclubs)

MCC 5813 is the merchant category code for drinking places (bars, taverns, nightclubs). Visa, Mastercard, Discover, and American Express assign it to businesses such as bars, taverns, nightclubs, and breweries.

Code
5813
Category group
Miscellaneous Stores
Risk rating
Elevated risk

Which businesses use MCC 5813?

Acquiring banks assign MCC 5813 to merchants whose primary line of business is drinking places (bars, taverns, nightclubs). Common examples include:

  • Bars
  • Taverns
  • Nightclubs
  • Breweries

Is MCC 5813 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 5813 affect processing fees?

MCC 5813 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 5813 merchants

Niche Payments runs a dedicated restaurant payment processing program for businesses classified under MCC 5813. 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 5813 mean?

MCC 5813 is the merchant category code for Drinking Places (Bars, Taverns, Nightclubs). Card networks use it to classify transactions from businesses such as bars, taverns, nightclubs, and breweries.

Is MCC 5813 high risk?

MCC 5813 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 5813?

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 5813 does not describe the primary line of business.