Assignment guidance
When MCC 5812 should be used
- For restaurants preparing food and drink for immediate consumption, typically with table service.
- For dining establishments where on-premise meal service is the primary business.
Food and dining
MCC 5812
Eating places and restaurants
Restaurants and other eating places primarily preparing food for on-premise dining.
Boundary guidance
When MCC 5812 should not be used
- For quick-service or fast-food restaurants where customers generally pay before eating.
- For bars or drinking places primarily selling alcoholic beverages.
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 | Eating Places and RestaurantsGlobal Visa merchant-data manual, April 2026, PDF page 76. | Aligned wording |
| Mastercard | Official | Eating Places, RestaurantsMastercard Merchant Edition reference, 16 April 2024, PDF page 119. | 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 76
- Mastercard Quick Reference Booklet - Merchant Edition16 April 2024 · official · PDF page 119
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.