Нефинансови институции — чуждестранна валута, пощенски записи, криптовалута
Покупка на чуждестранна валута, пощенски записи, пътнически чекове и криптовалута.
Какво покрива MCC 6051
Кодът на търговска категория (MCC) 6051 е идентификатор по ISO 18245, използван от картовите мрежи за нефинансови институции — чуждестранна валута, пощенски записи, криптовалута. Аквирери, издатели и регулатори използват този код, за да определят таксите за обмен, таксите за схеми, правилата за измами и категориите за отчитане за всяка транзакция, която обработва Вашият бизнес.
Покупка на чуждестранна валута, пощенски записи, пътнически чекове и криптовалута. Изборът на правилния MCC е от решаващо значение: неправилен код може да доведе до по-високи такси за обмен, допълнителни такси или, в регулирани категории, отхвърлени транзакции и задържане на сметки.
This MCC covers non-financial institutions providing services such as foreign currency exchange, money orders, travellers' cheques, and most notably, the purchase of cryptocurrencies. Merchants range from independent currency exchange bureaus to online crypto exchanges.
Transaction frequency can vary, but ticket sizes can range from small to very high, especially for crypto transactions.
This MCC is considered high-risk due to the heightened potential for fraud, money laundering, and chargebacks. Crypto purchases in particular attract 'fraudulent transaction' disputes, often from cardholders claiming unauthorised use or buyers remorse after crypto market fluctuations.
Scheme programmes like Visa's Integrity Risk Program (IRP) or Mastercard's Excessive Chargeback Program (ECP) may apply if chargeback thresholds are breached. Chargeback rates for crypto can sometimes exceed 2%, leading to intense monitoring.
Cardflo addresses this by offering robust fraud detection and prevention tools, tailored to the specific risks of high-value and crypto transactions. Our ability to route transactions through multiple acquiring banks, including specialist providers, helps manage risk exposure and maintain processing stability for these merchants.
We also support enhanced KYB specifically for crypto businesses to meet regulatory obligations.
Acquirer & underwriting stance
high-risk specialist board, 10-20% rolling reserve likely
Как Cardflo обработва MCC 6051
- Анализ на риска при аквирери, които активно регистрират бизнеси с MCC 6051 във Вашия регион.
- B2B обработка на транзакции с карти, неприсъстващи, с поддръжка на данни от ниво 2 и ниво 3.
- Приемане на виртуални карти, AP-автоматизация и карти за покупки.
- Потоци за плащания, свързани с фактури, и опции за плащане чрез линк за екипи за вземания.
- Осчетоводяване и съгласуване, които се свързват чисто с ERP и счетоводни системи.
Payment methods typically enabled
Често задавани въпроси
Why is MCC 6051, especially for crypto, considered high-risk for chargebacks?
Crypto transactions under MCC 6051 are high-risk due to their irreversible and volatile nature. Customers may dispute transactions due to 'buyer's remorse' after price drops, or claiming 'fraudulent transaction' (Visa reason code 10.
4) due to account takeover or unfamiliarity with crypto. The inability to reverse crypto transfers makes chargeback resolution difficult for merchants, leading to higher fraud and chargeback rates often exceeding 1%.
What measures can merchants take to mitigate fraud and chargebacks under MCC 6051?
Merchants should implement advanced fraud detection systems, strong customer authentication (3D Secure 2. 0 with frictionless flow optimisation), and comprehensive KYC/AML procedures.
Educating customers about the irreversible nature of crypto and providing clear communication on transaction processes can also reduce disputes. Using Cardflo's chargeback tooling that provides granular data on each transaction's fraud score helps monitor risk.
How does Cardflo support crypto businesses operating under MCC 6051?
Cardflo offers access to specialist acquiring banks that are prepared to onboard crypto businesses, often with a tailored risk assessment and a rolling reserve to mitigate exposure.
Our platform enables customisable fraud rules, granular transaction monitoring, and sophisticated chargeback management tools specifically designed for high-risk environments. Enhanced KYB support further ensures regulatory compliance for these merchants.
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