Freezer & Locker Meat Provisioners
Bulk meat lockers and provisioners.
What MCC 5422 covers
Merchant Category Code 5422 is the ISO 18245 identifier used by the card networks for freezer & locker meat provisioners. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Bulk meat lockers and provisioners. Choosing the right MCC is critical: an incorrect code can lead to higher interchange, surcharges, or, in regulated categories, declined transactions and account holds.
MCC 5422 covers merchants primarily engaged in selling bulk meat, often for freezer storage or portioning. These businesses typically operate with a medium to high ticket size per transaction, as customers are purchasing larger quantities of meat for future consumption.
Transaction frequency might be lower than a regular grocery store, perhaps monthly or quarterly, but with higher individual values.
Chargeback profiles can sometimes show disputes related to product quality, weight discrepancies, or misrepresentation of meat cuts. Perishable goods disputes can be complex; clear communication regarding quality, storage, and return policies is crucial.
Visa's Acquirer Monitoring Programme (VAMP) and Mastercard's Excessive Chargeback Programme (ECP) might flag merchants with sustained high dispute rates, particularly if merchandise descriptions or quality claims are inconsistent with delivered goods.
Cardflo's chargeback management tools, integrating directly with scheme dispute portals, can help these merchants in efficiently responding to and representing against disputes, especially those related to quality or delivery issues, by providing a structured framework for evidence submission.
Acquirer & underwriting stance
Medium-risk standard board with monitoring. Due to the high value and perishable nature of goods, there's an inherent risk of customer disputes over quality or quantity.
Reserves up to 5-10% for rolling periods of 90-180 days might be considered based on volume and prior processing history.
How Cardflo handles MCC 5422
- Underwriting with acquirers that actively board MCC 5422 businesses in your region.
- High-volume, low-ticket processing tuned for retail authorisation patterns.
- Omnichannel routing across in-store, ecommerce and click-and-collect.
- EMV, contactless and wallet acceptance enabled on a single integration.
- Refund, void and partial-capture flows aligned with retail operations.
Payment methods typically enabled
Common questions
What specific measures can a bulk meat provisioner take to reduce chargebacks related to product quality?
Merchants should implement robust quality control checks, provide detailed product descriptions including cut, weight, and grade, and use high-quality packaging to maintain freshness during delivery.
Including photographs or videos of the cutting and packaging process (where practical) can also serve as strong evidence in dispute cases. Clear communication regarding storage instructions upon delivery is also vital.
Are there any scheme rules particular to perishable goods for MCC 5422?
While no specific MCC 5422 scheme rules exist solely for perishable goods, general merchandise return/cancellation policies apply. Visa and Mastercard require clear disclosure of refund/return policies prior to purchase.
Disputes regarding 'merchandise not as described' or 'defective merchandise' often fall under these rules, with the merchant usually bearing the burden of proof that the product met advertised specifications at the time of sale.
How does Cardflo's risk monitoring support MCC 5422 merchants?
Cardflo’s risk monitoring identifies unusual transaction patterns, such as sudden spikes in transaction value or frequency, which can indicate potential fraud or operational issues.
For MCC 5422, this might include monitoring for unusually high-value international transactions or new customer chargeback spikes, allowing for proactive intervention and potentially reducing overall dispute rates. Our KYB onboarding also ensures proper business verification.
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