MCC 5995: Pet Shops, Pet Food, and Supplies
MCC 5995 is the merchant category code for pet shops, pet food, and supplies. Visa, Mastercard, Discover, and American Express assign it to businesses such as pet stores, pet food brands, and aquarium shops.
- Code
- 5995
- Category group
- Miscellaneous Stores
- Risk rating
- Standard risk
Which businesses use MCC 5995?
Acquiring banks assign MCC 5995 to merchants whose primary line of business is pet shops, pet food, and supplies. Common examples include:
- Pet stores
- Pet food brands
- Aquarium shops
Is MCC 5995 considered high risk?
Most acquirers approve this MCC with standard underwriting, no rolling reserve, and access to the lowest interchange categories.
How does MCC 5995 affect processing fees?
MCC 5995 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 5995 mean?
MCC 5995 is the merchant category code for Pet Shops, Pet Food, and Supplies. Card networks use it to classify transactions from businesses such as pet stores, pet food brands, and aquarium shops.
Is MCC 5995 high risk?
MCC 5995 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 5995?
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 5995 does not describe the primary line of business.