EXPANDED MERCHANT GUIDE · VISA · OCTOBER 2026
MCC 5912:
Drug Stores and Pharmacies
Pharmacy retail. Pharmacy products and dispensing models require close product, sourcing and sales-channel review, even when a storefront appears conventional.
View the source & scope ↓THE CLASSIFICATION
What does MCC 5912 cover?
Pharmacy retail.
This profile does not classify peptides or supplements automatically as pharmacy products, or imply that an MCC establishes product legality or provider acceptance.
The code belongs to the Healthcare 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 community pharmacy
- A licensed online pharmacy
- A pet pharmacy
These examples illustrate the classification. They are not verified NUMUS customers or confirmed transaction-level assignments.
LOOK BEYOND THE LABEL
Risk & provider review
Pharmacy products and dispensing models require close product, sourcing and sales-channel review, even when a storefront appears conventional.
Why this category sits here
- Regulated products
- Dispensing and sourcing controls
Operating assumptions
Lawful products or services with applicable permissions and verifiable counterparties; eligibility still requires specialist review.
What could raise the risk?
- Remote or cross-border pharmacy sales
- Unverified prescriptions or product provenance
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 ↗Questions worth preparing
- Which licenses cover the business, dispensing locations and markets served?
- What products are sold and how are prescriptions handled when needed?
- Who supplies, fulfills and ships the products?
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 75 · printed page 72 ↗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.