MCC 5122 — Drugs, drug proprietaries, and druggist sundries
MCC 5122 is the merchant category code for drugs, drug proprietaries, and druggist sundries. It's classified as medium risk, priced in the Healthcare Services interchange group, and held to a chargeback threshold of 1.0% (Visa/MC).
5122
Medium risk
Healthcare Services
1.0% (Visa/MC)
What is MCC 5122?
MCC 5122 is the four-digit merchant category code that Visa, Mastercard, American Express, and Discover use to classify drugs, drug proprietaries, and druggist sundries. Merchant classification for Drugs, drug proprietaries, and druggist sundries. The acquiring bank assigns it when it approves your merchant account, and from that point it drives your interchange pricing, your default chargeback thresholds, and whether your account is flagged for enhanced monitoring. Booking under the correct MCC from day one is part of what a specialized high-risk merchant account provider does that a generic flat-rate aggregator often skips. Check the payments glossary for the terms behind each field, or browse the full MCC directory to compare classifications.
Is Drugs, drug proprietaries, and druggist sundries high risk?
MCC 5122 (drugs, drug proprietaries, and druggist sundries) sits in a medium-risk band. Many processors will board it, but pricing and reserve terms hinge on your ticket size, volume, and dispute history. Getting the classification and documentation right up front keeps you out of a higher-risk tier.
Highly regulated; requires medical licensing proof upon onboarding.
Provide clear billing descriptors. Maintain compliance with regional medical billing laws.
What else falls under Medical & Health?
MCC 5122 sits within the Medical & Health group, which spans 9 classifications. Businesses that get boarded here often also match one of these adjacent codes:
How to get a merchant account for MCC 5122
Whether you're a new business, scaling your volume, or switching processors after a decline, approval under MCC 5122 follows the same four steps — human underwriting, a dedicated MID, and chargeback monitoring built in. Here's why merchants choose Gray Merchants to board this classification.
Apply in minutes
Tell us about your business and volume. We confirm MCC 5122 is the right classification for what you sell.
Underwriting review
A human underwriter reviews your documents and history — no black-box scoring, a decision typically inside 24–48 hours.
Written terms
You see every rate, reserve, and account term in writing before you sign. $0 setup fee, dedicated MID.
Go live
Connect your gateway and start processing, with chargeback monitoring in place from day one.
MCC 5122 questions
What is MCC 5122?
MCC 5122 is the four-digit merchant category code card networks assign to drugs, drug proprietaries, and druggist sundries. Merchant classification for Drugs, drug proprietaries, and druggist sundries. It determines the interchange pricing, risk tier, and chargeback thresholds your merchant account is held to.
Is Drugs, drug proprietaries, and druggist sundries considered high risk?
MCC 5122 (drugs, drug proprietaries, and druggist sundries) sits in a medium-risk band. Many processors will board it, but pricing and reserve terms hinge on your ticket size, volume, and dispute history. Getting the classification and documentation right up front keeps you out of a higher-risk tier.
What chargeback threshold applies to MCC 5122?
The working threshold for MCC 5122 is 1.0% (Visa/MC). Crossing it repeatedly can push an account into a card-network monitoring program, so accounts in this category are underwritten with that ceiling in mind.
Can I get a merchant account under MCC 5122?
Yes. Gray Merchants boards drugs, drug proprietaries, and druggist sundries through acquiring banks that underwrite this classification directly, with a dedicated MID, written terms before you sign, and a $0 setup fee. Apply and a specialist prepares your quote.
How do I reduce chargebacks under MCC 5122?
Provide clear billing descriptors. Maintain compliance with regional medical billing laws.
MCC codes similar to 5122
Not sure which classification fits? Compare the closest codes, or talk to a specialist and we'll confirm the right MCC for your business.