MCC 5814: Fast Food Restaurants

MCC 5814 is the merchant category code for fast food restaurants. Visa, Mastercard, Discover, and American Express assign it to businesses such as quick-service restaurants, food trucks, and counter-service eateries.

Code
5814
Category group
Miscellaneous Stores
Risk rating
Standard risk

Which businesses use MCC 5814?

Acquiring banks assign MCC 5814 to merchants whose primary line of business is fast food restaurants. Common examples include:

  • Quick-service restaurants
  • Food trucks
  • Counter-service eateries

Is MCC 5814 considered high risk?

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

How does MCC 5814 affect processing fees?

MCC 5814 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 5814 merchants

Niche Payments runs a dedicated restaurant payment processing program for businesses classified under MCC 5814. 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 5814 mean?

MCC 5814 is the merchant category code for Fast Food Restaurants. Card networks use it to classify transactions from businesses such as quick-service restaurants, food trucks, and counter-service eateries.

Is MCC 5814 high risk?

MCC 5814 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 5814?

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 5814 does not describe the primary line of business.