Poradenské služby — dluhy, manželství, osobní

Osobní a rodinné poradenství a dluhové poradenství.

Co pokrývá MCC 7277

Kód kategorie obchodníka (MCC) 7277 je identifikátor ISO 18245 používaný karetními sítěmi pro poradenské služby — dluhy, manželství, osobní. 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.

Osobní a rodinné poradenství a dluhové poradenství. 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 7277 covers Counselling Services, including debt, marriage, and personal counselling. These are professional services, often involving ongoing client relationships.

Ticket sizes are generally moderate, ranging from £50-£200 per session, with frequency varying from weekly to occasional. Many services are provided in person, but online counselling is increasingly common.

Chargebacks are relatively low. Disputes, if they occur, usually relate to perceived lack of service efficacy, scheduling conflicts, or billing errors.

'Services not as described' is possible, but client privacy often leads to direct resolution rather than chargebacks. Visa and Mastercard do not have specific category programmes.

Cardflo's secure and reliable payment gateway supports both one-off and recurring payments, essential for managing ongoing client commitments in a sensitive sector.

Acquirer & underwriting stance

Low-risk standard board. These merchants typically have stable business models and low chargeback ratios.

Standard underwriting applies, with no specific reserve expectations.

Jak Cardflo spravuje MCC 7277

Spolupráce s akvizitory, kteří aktivně přijímají podniky s MCC 7277 ve vašem regionu.
Zpracování B2B transakcí bez přítomnosti karty s podporou dat úrovně 2 a úrovně 3.
Akceptace virtuálních karet, automatizace AP a karet pro nákup.
Toky plateb spojené s fakturami a možnosti platby odkazem pro týmy pro pohledávky.
Vypořádání a odsouhlasení, které se čistě mapuje do ERP a účetních systémů.

Payment methods typically enabled

Visa

Mastercard

Apple Pay

Google Pay

Bank Transfer

Časté dotazy

What are the common payment models for counselling services and what are the benefits of each?

Counselling services typically employ two main payment models: pay-per-session (one-off payments) or package/subscription-based (recurring payments). Pay-per-session offers flexibility for clients, while packages/subscriptions provide predictable revenue for the counsellor and encourage client commitment.

Recurring payments benefit from 3D Secure exemptions after the initial transaction, streamlining subsequent payments.

How does Cardflo handle recurring payments for ongoing counselling sessions?

Cardflo provides robust recurring billing functionality, allowing counsellors and clinics to set up automated payment schedules for contracted sessions. Our system securely stores tokenised card details for subsequent transactions, ensuring PCI compliance.

This streamlines the payment process for both client and counsellor, reducing administrative burden and ensuring timely payments with high approval rates.

Are there any specific privacy considerations for payment processing in MCC 7277?

Beyond standard PCI DSS compliance for card data, merchants in MCC 7277 handle highly sensitive personal information. While payment processors don't typically handle counselling content, the identification of the merchant and transaction details must be handled discreetly.

Ensure payment descriptions on bank statements are professional and non-revealing. Compliance with GDPR or other relevant data protection acts is crucial for all client data, both medical and financial.