What is Merchant Category Code (MCC) 5261: Nurseries – Lawn and Garden Supply Store

MCC 5261: Nurseries – Lawn and Garden Supply Store

A Merchant Category Code, or MCC, is a four-digit numerical identifier that categorises businesses based on their primary trade. Banks and credit card firms employ these codes to calculate interchange charges and monitor transaction categories. In essence, it tells the payment system the nature of the establishment.

Merchant Category Code (MCC) 5261 plays a crucial role in categorising businesses that operate within the nurseries, lawn and garden supply industry. This classification is essential for understanding credit card transactions and may impact the fees businesses pay. You can learn more about MCCs and their importance here.

What Types of Businesses Fall Under MCC 5261?

Businesses covered by MCC 5261 encompass a wide array of outlets dedicated to garden and plant supplies:

Retail Nurseries: Where seeds, plants, and various gardening products are sold.
Lawn Furniture Stores: Places offering outdoor furniture specifically designed for gardens and lawns.
Garden Supply Stores: Providers of equipment and materials for garden maintenance and landscaping.

The code MCC 5261 assists in clearly identifying these businesses within the wider ecosystem.

Keep Your Transactions Categorised

Using MCC 5261 ensures that your nursery or garden supply business transactions are categorised correctly. Proper classification can simplify financial processes, impact transaction fees, and ensure compliance with industry standards.

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Mark Stiltner

Mark Stiltner is a finance and fintech writer. From educating independent investment advisors on retirement plan management to helping families maximize their savings to educating businesses on global payment preferences, Mark has spent over a decade researching and educating audiences on complex financial topics. Mark has been a contributing author on blog articles and educational content for the Bank of Colorado, Pinnacle Bank, TD Ameritrade, First Data and Rapyd.