MCC code4 min readUpdated October 15, 2026

MCC 5992: Florists, From Flower Shops to Online Delivery

MCC 5992 is Visa's code for florists: cut flowers, arrangements, potted plants. Online delivery, 5992 vs 5193, 5261 and 5968, and processor limits.

Nick Bonnassies, CMO at Tagada · checked against 9 sources

Article summary

TL;DR

MCC 5992 is the merchant category code for florists: merchants that sell cut flowers, flower arrangements and potted plants, and may also sell novelty items such as balloon bouquets. Online flower shops use it too. Wholesale flower suppliers use 5193, garden centers 5261. 5992 is a low-risk code.

Visa defines 5992 as merchants that sell cut flowers, flower arrangements and potted plants, and may also sell novelty items. It includes balloon bouquets, flower shops and plant stores.
Wholesale and business-to-business flower sales go to 5193. Nurseries and garden supply stores go to 5261. A shop where gifts, not flowers, lead goes to 5947.
An online florist is still 5992. A flower subscription keeps 5992 unless it's sold through direct marketing, which Visa codes 5968.
5992 isn't on Visa's high-risk list, Visa's Core Rules don't name it, and Stripe supports it with no restriction on OXXO, Przelewy24 or Cash App Pay.

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On this page

You saw "5992" on a statement or a processor form. Here is Visa's exact wording, which flower businesses need another code, and what processors say.

What MCC 5992 means

MCC 5992 is the four-digit code Visa titles Florists. Its definition is one sentence:1

Merchants classified with this MCC sell cut flowers, flower arrangements, and potted plants, and may also sell novelty items.

Visa, Merchant Data Standards Manual, April 2026, p. 82

Visa lists three entries "included in this MCC": Balloon Bouquets, Flower Shops and Plant Store. It names one similar merchant: 5261, Nurseries and Lawn and Garden Supply Stores.1 Stripe's label is "Florists", code florists.3

Visa also uses 5992 as its example of a business needing its own code: a flower shop inside a hotel, with its own name, area or point of sale, "should be classified under MCC 5992 (Florists), whether or not it is affiliated with the hotel property."1

Online flower delivery and subscriptions

The manual has no code for flower delivery. Three of its rules settle the online cases:1

Online florists. Each e-commerce website is a merchant location, and the code follows the line of business with the highest annual sales. A site that mostly sells bouquets is 5992.
Flower marketplaces. 5262 is for marketplaces selling a range of goods that would qualify for different codes. "Marketplaces with a single line of goods or services must use the MCC that most accurately describes that line of business." A marketplace of florists stays on 5992. Mail.ru Finance, a directory, lists Flowwow, a Russian marketplace of local florists, under 5992.8
Flower subscriptions. 5968 is for subscriptions sold via "direct" mail, email, apps or salespeople. Merchants that simply offer recurring purchases "should use the MCC that best describes their business instead." A florist with a weekly bouquet plan keeps 5992.

Visa's recurring rules apply either way: fixed dates or intervals, a notice at least 7 days before a trial or promotion ends, and online cancellation when the order was taken online.2 More in our guide to subscription payment processing.

Codes it is not: 5992 vs 5193, 5261, 5947 and 5968

MCC	Visa title	What Visa puts there	Use it when
5992	Florists	Cut flowers, arrangements, potted plants, maybe novelty items	You sell flowers to the public
5193	Florists Supplies, Nursery Stock and Flowers	Business-to-business or wholesale distributors of flowers, nursery stock, florists' supplies, fresh and artificial flowers	You supply florists or other businesses
5261	Nurseries and Lawn and Garden Supply Stores	Nursery stock, trees, shrubs, seeds, bulbs, fertilizers, garden tools; includes greenhouses and plant shops	Garden plants and supplies lead
5947	Gift, Card, Novelty and Souvenir Shops	Gifts, greeting cards, balloons, souvenirs, decorations	Gifts lead, flowers come on top
5968	Direct Marketing – Continuity/Subscription Merchant	Subscription products sold via direct mail, email, apps or salespeople	Your plan is sold through direct marketing
0780	Landscaping and Horticultural Services	Landscape design, planting, mowing and other garden services	You sell a garden service

Source: Visa Merchant Data Standards Manual, April 2026, pages 26, 59, 60, 61, 78, 80 and 82.1

Verdict

Bouquets and arrangements to consumers: 5992. Wholesale flowers: 5193. Garden plants and supplies: 5261. Gifts first: 5947. Subscriptions sold by direct marketing: 5968.

Plant stores appear under both 5992 and 5261. Choose by what sells most: arrangements and potted gifts point to 5992, seeds, shrubs and garden tools to 5261.1

Is MCC 5992 high risk?

No. Read at the source in October 2026:

Who	What they say about 5992	Source
Visa, high-risk list	Not on the April 2026 list of high integrity risk MCCs. 5968 is, when used for negative option sales	Merchant Data Standards Manual, p. 21-221
Visa, Core Rules	5992 isn't named. In India, Visa Secure is required for all domestic e-commerce, whatever the code	Core Rules, Table 5-172
Stripe	Supported, not restricted and not prohibited	Set merchant category codes3
Stripe, business list	Flowers and plants aren't mentioned	Stripe's prohibited and restricted list4
OXXO, Przelewy24, Cash App Pay on Stripe	5992 is on none of the three lists. 5968 is prohibited on all three	Payment method docs5 6 7

For cardholders and merchants

Cardholders. Your bank sees the shop's code, not your basket. Flowers bought at a florist or a florist's website post as 5992. At a supermarket, they post as 5411. Each issuing bank decides which codes earn rewards: CardExpress reports that none of the 19 Indian cards it tracks exclude 5992.9 Read your card's terms. Only the merchant's acquirer can change a code.

Merchants. Stripe notes that MCCs are used to calculate interchange fees, authorize payments and prevent fraud.3

Find your code. On Stripe, it's the mcc on your account, set from your declared industry, then your website. Elsewhere, ask support in writing.
Match it to Visa's wording. Retail flowers: 5992. Wholesale: 5193. Garden supplies: 5261.
Check your subscription. A plan you simply offer on your site keeps 5992.
Ask for a review. Send your provider the current code, the right one, and proof: product list, sales by category, website.
Check every processor. Each merchant account has its own MCC.

Visa: the MCC describes the line of business with the highest annual sales, and Visa can require a correction.

See how to find your MCC code and our high-risk MCC codes guide.

How Tagada helps

One checkout for your online flower shop

Tagada follows Visa and Mastercard rules and the laws that apply to payments. With Tagada, payments route across TagadaPay and processors such as Stripe, NMI and Airwallex, with one logic, and cascade to another processor when one is down or times out. Subscriptions handle trials, billing cycles, retries and automatic recovery. Tagada runs standalone, on Shopify or WooCommerce, or headless.

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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 5992?

MCC 5992 is the merchant category code Visa titles Florists. It covers merchants that sell cut flowers, flower arrangements and potted plants, and that may also sell novelty items. Visa includes balloon bouquets, flower shops and plant stores. It tells your bank that a card payment was made at a florist.

What MCC does an online flower delivery business use?

5992, if selling flowers is its main business. Visa treats each e-commerce website as a merchant location and assigns the code from the line of business with the highest annual sales. A marketplace that only sells flowers also uses 5992: Visa says marketplaces with a single line of goods must use the code for that line, not 5262.

What is the difference between MCC 5992 and 5193?

5193 is for business-to-business or wholesale distributors of flowers, nursery stock, florists' supplies, fresh and artificial flowers and potted plants. 5992 is for florists selling to the public. A flower wholesaler that supplies shops uses 5193. A shop or website selling bouquets to consumers uses 5992.

Is MCC 5992 high risk?

No. 5992 isn't on Visa's April 2026 list of high-risk codes, Visa's Core Rules don't name it, and Stripe lists it as supported and not restricted. It isn't on Stripe's restricted or prohibited lists for OXXO, Przelewy24 or Cash App Pay.

Sources

Checked October 15, 2026

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