EXPANDED MERCHANT GUIDE · VISA · OCTOBER 2026
MCC 5411:
Grocery Stores and Supermarkets
Broad grocery retail. Ordinary supermarket sales usually involve everyday goods handed over promptly, with limited exposure to future delivery.
View the source & scope ↓THE CLASSIFICATION
What does MCC 5411 cover?
Broad grocery retail.
Visa specifies a 45% monthly perishables threshold. A grocery-looking storefront alone does not establish the correct code.
The code belongs to the Food & groceries group in this directory. The acquirer must confirm the appropriate assignment for the merchant and the relevant card network.
ILLUSTRATIVE BUSINESS FIT
What could a matching business look like?
- A full-line neighborhood supermarket
- An independent grocery store with fresh departments
These examples illustrate the classification. They are not verified NUMUS customers or confirmed transaction-level assignments.
LOOK BEYOND THE LABEL
Risk & provider review
Ordinary supermarket sales usually involve everyday goods handed over promptly, with limited exposure to future delivery.
Why this category sits here
- Immediate goods handover
- Routine purchase sizes
Operating assumptions
Ordinary lawful stocked merchandise, transparent pricing and prompt handover or documented delivery.
What could raise the risk?
- Regulated or unusual product concentration
- Large remote orders or subscription programs
Assessment basis: Individual business-category assessment. This is an editorial category assessment, not a bank’s rating, an individual merchant decision, a forecast of losses or a promise of approval.
How we assess risk & source references ↗No specific high-integrity-risk flag is reproduced here from the reviewed Visa classification section. This is not an exemption or a finding that no other requirements apply.
Questions worth preparing
- Which departments generate the most annual sales?
- Can you document the perishables share required by the network?
- Do you take payment in-store, on your own website, or through a delivery marketplace?
Your provider may also ask about transaction size, monthly volume, refunds, disputes, customer locations and delivery timing. Use your actual business facts when discussing the code.
THE DISTINCTIONS MATTER
Nearby codes to understand
Compare the definitions rather than choosing whichever code appears more favorable. Separate activities or network rules can change the correct treatment.
CHECK THE REFERENCE
Source, date & scope
Code and classification reference: Visa Merchant Data Standards Manual, October 2026. Directory reviewed November 3, 2026.
Visa source · PDF page 63 · printed page 60 ↗Network descriptions and requirements can differ. This entry does not assert complete Mastercard coverage. Confirm current classifications and any special registration requirements with your acquirer.
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Build the payment setup around it.
THE BUSINESS BEHIND THE CODE
Find processing that fits
your actual business.
Your MCC is one piece of the conversation. Tell NUMUS what you sell, how you deliver it, and how your customers pay. We’ll help you take the next step.