Mastercard Supermarket

Supermarkets and grocery stores get heavily discounted interchange rates, since these types of sales are rarely disputed

To qualify for the below Mastercard supermarket rates, your business must be classified as a grocery/supermarket, with an MCC of 5411. Below are the basic qualifications, plus you’ll see each type of card that’s eligible for supermarket rates, along with the associated potential downgrade:

MC Annual Account Spend interchange


  • Only supermarkets/grocery stores are eligible (MCC of 5411)
  • Magnetic stripe, contactless, or chip data read, obtain customer’s signature.
  • Authorize and settle within 1 day.
  • Obtain and pass 1 valid electronic authorization.
  • Can settle within 10% of the authorized amount.
  • Authorization and settlement MCC must match.

What are the rates?

See the below cards types which can qualify for Supermarket rates

Supermarket Core – 1.48% + $0.10

Downgrade (any reason): Merit I, 1.89% + $0.10/txn

Enhanced Supermarket – 1.48% + $0.10

Downgrade (any reason): Enhanced Merit I, 2.04% + $0.10/txn

World Supermarket – 1.58% + $0.10

Downgrade (any reason): World Merit I, 2.05% + $0.10/txn

World Elite Supermarket – 1.90% + $0.10

Downgrade (any reason): World Elite Merit I, 2.50% + $0.10/txn

Supermarket Debit – 1.05% + $0.15

This interchange rate is capped at $0.35/transaction

Downgrade (any reason): Merit I Debit, 1.60% + $0.15/txn

Supermarket Prepaid – 1.05% + $0.15

This interchange rate is capped at $0.35/transaction

Downgrade (any reason)Merit I Prepaid, 1.76% + $0.20/txn

Regulated Debit – 0.05% + $0.22

Downgrade: This card type does not downgrade.

Who’s eligible?

Only supermarkets/groceries (MCC 5411) are eligible.

See how interchange works.

Mastercard Consumer
Interchange Rates