All codesFood & GroceryLow Risk

5422Freezer & Locker Meat Provisioners

Meat provisioners and specialty butcher services, including subscription meat boxes.

Networks:VisaMastercardAmexDiscover

Merchants Using MCC 5422

Well-known businesses assigned this code

ButcherBoxOmaha SteaksLocal butcher shops

Risk Assessment

Standard processing rates. Most payment processors accept this MCC with minimal additional requirements.

Common Use Cases

  • Meat subscriptions
  • Wholesale meat purchases
  • Specialty butcher sales

Category Details

Category
Food & Grocery
MCC Range
5411–5499
Description
Grocery stores, supermarkets, bakeries, dairy stores, and specialty food.

Credit Card Rewards

Bonus CategoryGroceries
Typical Earning3x–6x

Many cards offer bonus rewards on grocery spending. Amex Gold, Chase Freedom, and Citi Custom Cash frequently feature this category.

Why MCC Codes Matter for Your Business

Your MCC code directly affects how card networks and processors treat your transactions.

Approval Rate Impact

Processors have different acceptance rates per MCC. A misclassified code can silently tank your approval rate by 5-15%, costing revenue on every declined transaction.

Interchange Fees

The interchange fee you pay on every transaction is directly tied to your MCC code. Some categories pay 0.5% less per transaction — at scale, that compounds into significant savings or hidden costs.

Chargeback Thresholds

Visa and Mastercard set different chargeback monitoring thresholds per MCC category. High-risk MCCs face stricter limits — exceeding them triggers fines, reserve requirements, or account termination.

Wrong MCC = Serious Risk

An incorrect MCC assignment means you could be paying inflated fees, hitting the wrong chargeback program, or worse — facing account termination for "MCC mismatch" during a processor audit.

Tagada Optimizes Routing by MCC Code

Tagada's payment orchestration engine analyzes your MCC code to route each transaction to the processor with the highest approval rate and lowest fees for that specific merchant category. For MCC 5422, this means your freezer & locker meat provisioners transactions are automatically sent through the optimal path in your processor stack.

Related Payment Terms

Frequently Asked Questions

What is MCC 5422?

MCC 5422 is for freezer and locker meat provisioners, including butcher shops and meat subscription services.

Does ButcherBox use MCC 5422?

Yes, meat subscription services like ButcherBox and Omaha Steaks typically use MCC 5422.

Is MCC 5422 considered a grocery code?

It depends on the credit card issuer. Some count 5422 in the grocery bonus category, others don't.

Tagada Platform

Optimize MCC 5422 payments with Tagada

Tagada's intelligent routing engine optimizes MCC 5422 transactions for the best approval rate, lowest fees, and fastest settlement across your processor stack.