Overview
MCC 5411 is one of the highest-volume merchant categories globally, encompassing all retail outlets where food and grocery products are the primary offering. Supermarkets, food warehouses, convenience stores, and specialty food retailers all fall under this code.
Transaction Profile
Low to mid value, high frequency, card-present dominant, contactless common, low chargeback rate
Card Network Notes
Visa and Mastercard both offer enhanced interchange categories for grocery. Often eligible for premium rewards multipliers on consumer cards.
Risk & Compliance
Grocery is considered low risk from an acquiring perspective. Chargeback rates are typically well below scheme thresholds. Regulatory exposure is limited, though age-restricted products such as alcohol and tobacco require point-of-sale controls in many jurisdictions.