Food and drink · Merchant category codes
What is MCC 5411 (Grocery Stores and Supermarkets)?
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MCC 5411 (Grocery Stores and Supermarkets) is the merchant category code for stores that sell a complete line of food for home use, where perishable food must be at least 45% of total monthly sales. The 45% perishables test in Visa's definition is the deciding fact. A store selling mostly packaged or dry food fails it and fits 5499. It is not on Visa's high-integrity risk list, and Stripe does not restrict it.
- Visa name
- Grocery Stores and Supermarkets
- Stripe name
- Grocery Stores, Supermarkets
- Restricted by Stripe
- No
- Visa high-integrity risk
- No
- Visa 3D Secure rule for online sales
- No rule tied to this code
- In PlatformDTC's Industry picker
- Yes, under "Retail"
- Typical products
- Supermarkets, Grocery stores, Online grocery with fresh food
What PlatformDTC does
PlatformDTC's payments setup lists 5411 in its Industry picker as "Grocery stores and supermarkets" under "Retail"; typing 5411 in the search box finds it. The choice is sent to Stripe as the category code of the store's own payments account and can be changed later under Settings, Payments, Professional details, subject to Stripe's check.
What sells under MCC 5411
Visa uses 5411 for stores that sell a complete line of food for home use, where perishable food must be at least 45% of total monthly sales.
The 45% perishables test in Visa's definition is the deciding fact. A store selling mostly packaged or dry food fails it and fits 5499.
- Supermarkets
- Grocery stores
- Online grocery with fresh food
Codes it is confused with
Choose the code for the line of business that makes up most of your sales. Visa also allows a separate code for each line of business.
| Code | Name | Use it instead when |
|---|---|---|
| 5499 | Miscellaneous Food Stores – Convenience Stores and Specialty Markets | Perishables are under 45% of your sales |
| 5422 | Freezer and Locker Meat Provisioners | You sell mainly meat and seafood |
| 5451 | Dairy Products Stores | You sell mainly dairy |
Risk, 3D Secure and Stripe rules
5411 is not on Visa's high-integrity risk list, so no extra Visa registration is tied to the code itself.
Stripe's list of supported codes does not mark it restricted, so a Stripe account can use it without asking Stripe first.
Frequently asked questions
- Is MCC 5411 high risk?
- No. 5411 is not on Visa's high-integrity risk list. Stripe does not mark it restricted.
- Can a PlatformDTC store use MCC 5411?
- Yes. It is in the Industry picker of PlatformDTC's payments setup under "Retail", and typing 5411 in the search finds it. PlatformDTC sends the choice to Stripe for the store's own payments account.
Sources
Related
- 5499 — Specialty, gourmet and health foods, vitamin stores and meal kits.
- 5422 — Fresh, frozen or cured meat, fish and seafood, including bulk freezer plans.
- 5451 — Packaged butter, cheese, ice cream, milk and other dairy.
- 5441 — Candy, chocolate, nuts, dried fruit, popcorn and other sweets.
- 5462 — Stores that sell, and may make, bakery goods.
- 5921 — Packaged beer, wine and liquor to drink off the premises.