MCC code4 min readUpdated October 15, 2026

MCC 5199: Nondurable Goods (Not Elsewhere Classified)

MCC 5199 is Visa's last-resort code for B2B nondurable goods wholesalers: exact wording, all 24 wholesale MCCs, 5199 vs 5099 and 5999, Stripe's label.

Nick Bonnassies, CMO at Tagada · checked against 5 sources

Article summary

TL;DR

MCC 5199 is the merchant category code for business-to-business or wholesale distributors of nondurable goods that no more specific code covers, such as food products, art goods, clothes hangers, ice, sponges, textile bags, canvas products, leather and baskets. It's a last resort: Visa has 23 other wholesale codes to check first.

Visa limits 5199 to business-to-business or wholesale distributors. A store selling the same goods to consumers takes a retail code.
It's a fallback. Visa's rule: a miscellaneous code is used only when no specific MCC applies.
5199 is for nondurable goods. Durable goods wholesalers use 5099; specialty retail shops use 5999.
5199 isn't on Visa's high-integrity-risk list, and Stripe lists it as Nondurable Goods (Not Elsewhere Classified) with no restriction.

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On this page

You saw "5199" on a statement, a business card bill or a processor form. It's the card code for wholesalers of everyday goods that no other code describes. Here is Visa's exact wording, the full list of wholesale codes to check first, and how 5199 differs from 5099 and 5999.

What MCC 5199 means

MCC 5199 is the four-digit merchant category code for Nondurable Goods (Not Elsewhere Classified). Visa's manual defines it like this:1

Merchants classified with this MCC are business-to-business or wholesale distributors of nondurable goods that are not classified with a more specific MCC, such as food products, art goods, clothes hangers, foam rubber, ice, crude rubber, sponges, textile bags, burlap, canvas products, leather, and baskets.

Visa, Merchant Data Standards Manual, April 2026, pp. 59-60

Its "Included in this MCC" column has one entry: Goods – Nondurable. Its similar merchants are 5131 (Piece Goods, Notions, and Other Dry Goods) and 5948 (Luggage and Leather Goods Stores).1 Mastercard's booklet also says wholesale distributors, adds gifts and novelties, and sends retailers elsewhere: art and craft supplies to 5970, gifts and novelties to 5947.3

A last resort. "Not elsewhere classified" means the same thing as the "miscellaneous" codes. Visa's rule, also explained on our MCC 5999 page:1

Use "miscellaneous" MCCs (usually ending in "99") only if there is no MCC specific to the Merchant's business. MCC descriptions are very accurate, and Merchants must only be assigned a "miscellaneous" MCC when no other MCC applies to its business.

Visa, Merchant Data Standards Manual, April 2026, p. 19

That's why sibling pages send animal feed distributors (0763, 0211) and alcohol wholesalers (5921) to 5199: Visa has no more specific wholesale code for them.

MCC codes for wholesale: check these first

Every code below is a business-to-business or wholesale code in Visa's April 2026 manual.1

MCC	Visa title
5013	Motor Vehicle Supplies and New Parts
5021	Office and Commercial Furniture
5039	Construction Materials (Not Elsewhere Classified)
5044	Photographic, Photocopy, Microfilm Equipment and Supplies
5045	Computers and Computer Peripheral Equipment and Software
5047	Medical, Dental, Ophthalmic and Hospital Equipment and Supplies
5051	Metal Service Centers and Offices
5065	Electrical Parts and Equipment
5072	Hardware, Equipment and Supplies
5074	Plumbing and Heating Equipment and Supplies
5085	Industrial Supplies (Not Elsewhere Classified)
5094	Precious Stones and Metals, Watches and Jewelry
5099	Durable Goods (Not Elsewhere Classified)
5111	Stationery, Office Supplies, Printing and Writing Paper
5122	Drugs, Drug Proprietaries, and Druggist Sundries
5131	Piece Goods, Notions, and Other Dry Goods
5137	Men's, Women's, and Children's Uniforms and Commercial Clothing
5139	Commercial Footwear
5169	Chemicals and Allied Products (Not Elsewhere Classified)
5172	Petroleum and Petroleum Products
5192	Books, Periodicals and Newspapers
5193	Florists Supplies, Nursery Stock and Flowers
5198	Paints, Varnishes and Supplies
5199	Nondurable Goods (Not Elsewhere Classified)

Source: Visa Merchant Data Standards Manual, April 2026, pages 54 to 60.1 The same pages also list 5046, Commercial Equipment (Not Elsewhere Classified). 5300, Wholesale Clubs, isn't a B2B code: Visa describes warehouse-style stores selling a full range of goods, often in bulk.1

5199 vs 5099 and 5999

MCC	Visa title	Use it when
5199	Nondurable Goods (Not Elsewhere Classified)	You sell consumable goods to businesses, with no more specific code
5099	Durable Goods (Not Elsewhere Classified)	You sell long-lasting goods to businesses (Visa lists signs, luggage, musical instruments, monuments)
5999	Miscellaneous and Specialty Retail Shops	You sell specialized products to consumers, with no more specific code
5131	Piece Goods, Notions, and Other Dry Goods	You wholesale fabrics, notions or sewing supplies

Verdict

Selling to businesses: a wholesale code, 5199 last. Selling to consumers: a retail code, 5999 last.

If you sell both ways, Visa lets you use the code of the larger activity for everything, or one code per activity.1

For cardholders and merchants

Cardholders. 5199 usually shows on a business card bill, after a purchase from a distributor. Each issuer decides which codes earn points or cashback; check your card's terms. If you don't recognize a charge, your bank can explain a chargeback.

Merchants. 5199 isn't on Visa's April 2026 high-integrity-risk list, and the Core Rules don't name it.1 2 Stripe shows it as Nondurable Goods (Not Elsewhere Classified), code name nondurable_goods, without a restricted badge.4 Don't confuse it with SIC 5199, the US statistical code for the same trade.5

Find your code. Check your merchant agreement or dashboard. Our guide shows where to find your MCC.
Look for a specific code. Go through the wholesale table above before settling on 5199.
Ask for a correction if needed. Send your acquirer the current code, the code you think fits, and your product list and customer types.

Your acquirer assigns the MCC. Stripe: one MCC per account.

Our high-risk MCC codes guide lists the codes Visa does flag, and interchange fees explains how the code feeds pricing.

Updated on October 15, 2026

Nick Bonnassies

CMO at Tagada

CMO at Tagada. Before Tagada, Nick built direct-to-consumer brands that generated over $115M in sales, raised over $25M in crowdfunding and sold two of them. He also works as a fractional CMO on marketing operations and AI systems.

Frequently asked questions

What is MCC 5199?

MCC 5199 is the merchant category code Visa titles Nondurable Goods (Not Elsewhere Classified). It covers business-to-business or wholesale distributors of nondurable goods with no more specific code, such as food products, art goods, clothes hangers, foam rubber, ice, crude rubber, sponges, textile bags, burlap, canvas products, leather and baskets.

What is the MCC code for wholesale?

There isn't one. Visa has 24 wholesale codes, one per product family: 5013 for motor vehicle parts, 5045 for computers, 5047 for medical supplies, 5122 for drugs, 5137 for uniforms and more. 5099 and 5199 are the fallbacks for durable and nondurable goods. Warehouse stores open to consumers use 5300, Wholesale Clubs.

Is MCC 5199 the same as SIC 5199?

No. SIC 5199 is a US industry code for statistics and government forms, under wholesale trade. MCC 5199 is the card payment code. Both describe wholesale of nondurable goods not classified elsewhere, but only the MCC is used on card transactions, and your acquirer assigns it.

Is MCC 5199 high risk?

Not for Visa. 5199 isn't on its April 2026 list of high-integrity-risk codes, and the Visa Core Rules don't name it. Stripe lists 5199 with no restricted badge, and its Przelewy24 and Cash App Pay restriction lists don't include it.

Sources

Checked October 15, 2026

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