Overview
MCC 5814 covers fast food restaurants and quick-service establishments providing rapid meal service. This includes counter service, drive-through, and delivery-focused operations where speed of service and high throughput are central to the business model.
Transaction Profile
Very low to low value, extremely high frequency, card-present dominant, contactless and mobile payment prevalent, drive-through and delivery channels growing, loyalty app integration
Card Network Notes
Visa and Mastercard both offer quick-service restaurant interchange categories. Low-value contactless limits support rapid transaction throughput. Tap-on-phone and mobile ordering integration is expanding.
Risk & Compliance
Low risk. Very high transaction volumes with very low individual values create an extremely low-risk profile. Chargebacks are negligible relative to volume. Contactless payment adoption is among the highest of any retail category.