Assignment guidance
When MCC 5411 should be used
- For full-line grocery stores and supermarkets selling food for home consumption.
- For merchants where groceries are the primary and broad merchandise line.
Retail
MCC 5411
Grocery stores and supermarkets
Merchants selling a broad line of food and household grocery products for home consumption.
Boundary guidance
When MCC 5411 should not be used
- For restaurants, fast-food outlets, convenience stores, or specialty food shops.
- For wholesalers supplying food primarily to other businesses.
Scheme comparison
Names and evidence status
Absence from public material is not treated as proof that a scheme does not use the MCC.
| Scheme | Evidence | Scheme wording | Comparison |
|---|---|---|---|
| Visa | Official | Grocery Stores and SupermarketsGlobal Visa merchant-data manual, April 2026, PDF page 65. | Aligned wording |
| Mastercard | Official | Grocery Stores, SupermarketsMastercard Merchant Edition reference, 16 April 2024, PDF page 93. | Different wording |
| American Express | Publicly not found | No current public definition locatedThe complete American Express Codes Reference Guide is not public. This is not evidence that the MCC is unsupported. | Not available |
| Discover / Diners Club | Publicly not found | No current public definition locatedNo complete current public Discover / Diners Club MCC catalogue was located. This is not evidence that the MCC is unsupported. | Not available |
| UnionPay | Not reviewed | No global definition reviewedThe official material reviewed so far is limited to EEA fee appendices and is not a global definition catalogue. | Not available |
Provenance
Sources reviewed
- Visa Merchant Data Standards ManualApril 2026 · global · official · PDF page 65
- Mastercard Quick Reference Booklet - Merchant Edition16 April 2024 · official · PDF page 93
SchemeLens descriptions and use boundaries are editorial summaries of the cited material. Final MCC assignment depends on the merchant's primary business, current scheme rules, region, programme, and acquirer requirements.