MCC 5992: Florists
MCC 5992 is the merchant category code for florists. Visa, Mastercard, Discover, and American Express assign it to businesses such as flower shops, online florists, and event florists.
- Code
- 5992
- Category group
- Miscellaneous Stores
- Risk rating
- Standard risk
Which businesses use MCC 5992?
Acquiring banks assign MCC 5992 to merchants whose primary line of business is florists. Common examples include:
- Flower shops
- Online florists
- Event florists
Is MCC 5992 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 5992 affect processing fees?
MCC 5992 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 5992 mean?
MCC 5992 is the merchant category code for Florists. Card networks use it to classify transactions from businesses such as flower shops, online florists, and event florists.
Is MCC 5992 high risk?
MCC 5992 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 5992?
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 5992 does not describe the primary line of business.