Obchody s počítačovým softwarem

Maloobchodní prodej baleného a stahovatelného softwaru.

Co pokrývá MCC 5734

Kód kategorie obchodníka (MCC) 5734 je identifikátor ISO 18245 používaný karetními sítěmi pro obchody s počítačovým softwarem. Akvizitoři, emitenti a regulátoři používají tento kód k nastavení mezibankovních poplatků, poplatků za schéma, pravidel pro podvody a kategorií hlášení pro každou transakci, kterou vaše firma zpracovává.

Maloobchodní prodej baleného a stahovatelného softwaru. Volba správného MCC je klíčová: nesprávný kód může vést k vyšším mezibankovním poplatkům, příplatkům nebo, v regulovaných kategoriích, k odmítnutým transakcím a pozastavení účtů.

MCC 5734 covers merchants primarily engaged in selling computer software, including packaged software, downloadable licenses, and increasingly, subscription-based models for perpetual licenses or software-as-a-service (SaaS). Purchases range from individual applications to enterprise-level solutions, with ticket sizes varying dramatically.

Frequency can be one-off or recurring for subscription services.

Chargebacks are often driven by 'non-receipt' for downloadable content (where the download link fails or is not sent), 'not as described' due to compatibility issues or unmet feature expectations, and 'fraud' for high-value software licenses.

For subscription models, 'cancellation not processed' is a common dispute reason. Scheme programmes like Visa's Compelling Evidence 3.

0 rules and Mastercard's Digital Goods programme aim to address disputes specific to digital content.

Cardflo's robust subscription management tools and retry logic can significantly reduce involuntary churn and 'cancellation not processed' chargebacks, particularly relevant for recurring software payments. Its KYB onboarding ensures compliance for a wide range of software vendors, including those offering niche or high-risk applications.

Acquirer & underwriting stance

Low to medium-risk standard board, depending on the software type and business model. High-value single purchases or frequent recurring billing can escalate risk.

Clear terms of service, refund policies, and download delivery confirmations are critical.

Jak Cardflo spravuje MCC 5734

Spolupráce s akvizitory, kteří aktivně přijímají podniky s MCC 5734 ve vašem regionu.
Kontrola MCC během onboardingu pro potvrzení správného kódu pro vaše produkty.
Podpora reklasifikace v případě změny pravidel schématu nebo produktového mixu po spuštění.
Směrování více akceptantů k udržení stability schválení pro široké kategorie obchodníků.
Podpora při sporech přizpůsobená profilu zpětných plateb za smíšené produkty, které tento MCC zaznamenává.

Payment methods typically enabled

Apple Pay

Google Pay

PayPal

SEPA Direct Debit

Open Banking Payments

Trustly

Časté dotazy

How can merchants selling downloadable software best defend against 'merchandise not received' chargebacks?

For downloadable software, physical proof of delivery is impossible. Merchants must gather compelling evidence: IP address of download, download timestamps, customer login records confirming access, email confirmation of download link delivery, and any communication logs regarding successful installation or use.

Some schemes, like Visa under Compelling Evidence 3. 0, allow proof of digital delivery and continued usage as a strong defence against these claims, particularly for transactions under certain thresholds.

What specific challenges do subscription-based software models (SaaS) face regarding chargebacks for 'cancellation not processed'?

For SaaS, 'cancellation not processed' (Visa Reason Code 13. 3) is frequent.

Merchants need a clear, easily accessible cancellation process. Evidence to dispute these involves demonstrating the customer did not cancel via the proper channels, continued usage post-alleged cancellation, or that the cancellation request was received after the billing cycle cut-off.

Ensuring customers receive email confirmations of their subscription and cancellation is critical. Cardflo's recurring billing tools offer dunning management and clear customer communication to minimise these disputes.

Are there specific scheme rules for trials that convert to paid software subscriptions?

Yes, schemes have specific rules for trial-to-paid conversions. Merchants must clearly disclose the trial duration, the amount charged after the trial, and the billing frequency during sign-up.

Usually, a notification email must be sent to the cardholder a few days before the trial converts, reminding them of the upcoming charge and how to cancel.

Failure to adhere to these rules can result in automatic chargeback liability for 'recurring transaction' disputes (Mastercard Reason Code 4849) or similar categories.