Assignment guidance
When MCC 5814 should be used
- For quick-service merchants selling prepared food and beverages for immediate consumption.
- For restaurants where customers generally order and pay before eating.
Food and dining
MCC 5814
Fast food restaurants
Quick-service eating places where customers generally order and pay before eating.
Boundary guidance
When MCC 5814 should not be used
- For full-service restaurants primarily providing table service.
- For bars, caterers, grocery stores, or vending operators with a better-fit MCC.
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 | Fast Food RestaurantsGlobal Visa merchant-data manual, April 2026, PDF page 76. | Aligned wording |
| Mastercard | Official | Fast Food RestaurantsMastercard Merchant Edition reference, 16 April 2024, PDF page 120. | Aligned 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 120
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.