EXPANDED MERCHANT GUIDE · VISA · OCTOBER 2026
MCC 5812:
Eating Places and Restaurants
Restaurant dining. Ordinary restaurant meals are delivered close to payment, limiting future-service exposure despite routine billing and service disputes.
View the source & scope ↓THE CLASSIFICATION
What does MCC 5812 cover?
Restaurant dining.
The code belongs to the Restaurants & food service 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 table-service neighborhood restaurant
- A diner
- A cafe providing table service
These examples illustrate the classification. They are not verified NUMUS customers or confirmed transaction-level assignments.
LOOK BEYOND THE LABEL
Risk & provider review
Ordinary restaurant meals are delivered close to payment, limiting future-service exposure despite routine billing and service disputes.
Why this category sits here
- Immediate service
- Order and payment records
Operating assumptions
Legitimate established service, accurately billed near completion, without large prepaid packages.
What could raise the risk?
- Large event prepayments
- Recurring meal plans or remote-only models
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
- How are guests served and when do they pay?
- Do you accept reservations, event deposits or prepaid catering orders?
- How do you handle tips, cancellations and third-party delivery?
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 73 · printed page 70 ↗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.
Read the directory methodology →CONNECT THE NEXT PIECE
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.