MCC 5921: Package Stores (Beer, Wine, and Liquor)
MCC 5921 is the merchant category code for package stores (beer, wine, and liquor). Visa, Mastercard, Discover, and American Express assign it to businesses such as liquor stores, wine shops, and online alcohol sellers.
- Code
- 5921
- Category group
- Miscellaneous Stores
- Risk rating
- Elevated risk
Which businesses use MCC 5921?
Acquiring banks assign MCC 5921 to merchants whose primary line of business is package stores (beer, wine, and liquor). Common examples include:
- Liquor stores
- Wine shops
- Online alcohol sellers
Is MCC 5921 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 5921 affect processing fees?
MCC 5921 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.
Frequently asked questions
What does MCC 5921 mean?
MCC 5921 is the merchant category code for Package Stores (Beer, Wine, and Liquor). Card networks use it to classify transactions from businesses such as liquor stores, wine shops, and online alcohol sellers.
Is MCC 5921 high risk?
MCC 5921 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 5921?
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 5921 does not describe the primary line of business.