5813Bars, Cocktail Lounges, Nightclubs, & Taverns
Bars and nightlife establishments. Higher risk due to alcohol-related disputes, late-night transactions, and "friendly fraud" (chargebacks from intoxicated cardholders).
Merchants Using MCC 5813
Well-known businesses assigned this code
Risk Assessment
May require additional documentation or slightly higher processing fees. Some processors apply enhanced monitoring.
Common Use Cases
- Bar tabs
- Nightclub covers
- Event hosting
Category Details
- Category
- Food & Grocery
- MCC Range
- 5411–5499
- Description
- Grocery stores, supermarkets, bakeries, dairy stores, and specialty food.
Credit Card Rewards
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 5813, this means your bars, cocktail lounges, nightclubs, & taverns transactions are automatically sent through the optimal path in your processor stack.
Related Payment Terms
Frequently Asked Questions
What is MCC 5813?
Why is MCC 5813 medium risk?
Do nightclubs face special payment challenges?
Tagada Platform
Optimize MCC 5813 payments with Tagada
Tagada's intelligent routing engine optimizes MCC 5813 transactions for the best approval rate, lowest fees, and fastest settlement across your processor stack.
Related MCC Codes
Eating Places & Restaurants
McDonald's, Olive Garden, Local restaurants
Package Stores — Beer, Wine, & Liquor
Total Wine, BevMo, Local liquor stores
Grocery Stores & Supermarkets
Walmart Grocery, Kroger, Whole Foods
Freezer & Locker Meat Provisioners
ButcherBox, Omaha Steaks, Local butcher shops