MCC 5812 - Cafe. Restaurants 
MCC 5812 is designated for cafes and restaurants, serving the crucial role of identifying transactions within the food service industry. It covers a wide array of establishments where meals, snacks, and beverages are prepared and served either on-premises or with the option of takeaway. Businesses under this MCC range from fast-food outlets and casual dining to upscale restaurants and specialty cafes.
Types of Services
- Full-Service Dining: Sit-down restaurants providing a full dining experience with table service, including bistros and steakhouses.
- Fast Food and Quick Service: Establishments offering quick meals with minimal table service, like burger joints and pizza outlets.
- Cafes and Coffee Shops: Locations serving coffee, tea, and light snacks, often including pastries and sandwiches.
- Buffet and Self-Service: Restaurants allowing customers to serve themselves from a variety of dishes available.
Related MCCs
- MCC 5813: Drinking Places (Alcoholic Beverages): Differentiates from MCC 5812 by specifically categorizing bars and pubs where alcoholic beverages are primarily served.
- MCC 5814: Fast Food Restaurants: Although overlapping with MCC 5812, this code emphasizes transactions with a focus on fast food, distinguishing them from other restaurant types.
- MCC 5499: Miscellaneous Food Stores: Includes establishments selling food products but not prepared meals, such as specialty food shops.
FAQs
- What types of transactions are processed under MCC 5812?
- Transactions for prepared meals, snacks, and beverages purchased at cafes and restaurants, either consumed on-site or available for takeout. - Are tips included in MCC 5812 transactions?
- Yes, tips given at restaurants when using a credit card are included in MCC 5812 categorized transactions. - How does MCC classification impact a business?
- The MCC affects interchange rates set by payment networks, influences customer rewards programs, and impacts transaction monitoring for compliance.
MCC Categories
Agricultural Services Airlines Business Services Car rent Cars and vehicles Clothing stores Contract services Entertainment services Government Services Hotels / Resorts Mail / Telephone Sales Membership оrganizations Miscellaneous Stores Not categorized Personal services Professional services Repair services Retail Outlet Services Service provider Transportation Services Utility Services Wholesale suppliers and manufacturers