Overview
MCC 5812 covers the broadest category in food and beverage retail — any establishment primarily engaged in preparing and serving food for on-premises consumption. This encompasses everything from full-service restaurants and quick-service chains to cafés, bistros, and food court operators.
Transaction Profile
Low to mid value, high frequency, card-present dominant, contactless common, tip tolerance required in some markets, CNP volumes from delivery platforms
Card Network Notes
Standard interchange applies; tip tolerance must be enabled in card-present environments where gratuity is customary; chargeback management critical for delivery platforms
Risk & Compliance
Risk is generally low to medium. Higher chargeback exposure exists in delivery platforms and ghost kitchen operations where fulfilment disputes arise. Alcohol service adds regulatory requirements in some jurisdictions. Fast food and drive-through environments have low fraud risk due to card-present, low-value transaction profiles.