Reklamní služby

Reklamní agentury a marketingové služby.

Co pokrývá MCC 7311

Kód kategorie obchodníka (MCC) 7311 je identifikátor ISO 18245 používaný karetními sítěmi pro reklamní služby. 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.

Reklamní agentury a marketingové služby. 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 7311 is for Advertising Services, covering advertising agencies, media buying services, and other marketing services providers. These businesses typically operate on project-based fees, retainers, or commission models.

Ticket sizes can range from small ad campaigns to multi-million-pound annual contracts. Transaction frequency often involves upfront payments, milestone payments, or recurring monthly retainers.

Chargebacks in this sector commonly arise from disputes over campaign performance, 'services not rendered' claims when clients are dissatisfied with results or perceive a lack of delivery, or disagreements on contractual terms.

Issues with intellectual property rights or unauthorised ad spend can also lead to disputes. Cardflo's chargeback tooling can help agencies provide clear evidence of campaign execution and contractual agreements.

This is generally considered a standard, albeit sometimes higher-value, commercial payments category. Clear contracts and detailed reporting are essential.

Cardflo's acquiring network efficiently manages B2B transaction flows, supporting agencies with robust processing capabilities.

Acquirer & underwriting stance

Low to medium-risk standard board. Risk is generally managed through robust contractual agreements.

A rolling reserve may be considered for new agencies with high project values or those operating on a performance-based model without upfront payments, to mitigate 'service not rendered' disputes.

Jak Cardflo spravuje MCC 7311

Spolupráce s akvizitory, kteří aktivně přijímají podniky s MCC 7311 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

Bank Transfer

Visa Checkout

Google Pay

Apple Pay

PayPal

Časté dotazy

What specific documentation is most effective for advertising agencies to defend against 'service not rendered' chargebacks?

To defend against 'service not rendered' chargebacks, advertising agencies should provide comprehensive documentation including signed contracts detailing scope of work, project timelines, and payment schedules. Proof of campaign execution (e.

g. , ad proofs, live campaign links, media buys), performance reports, client communication logs, and invoices are all crucial.

Cardflo's platform facilitates the submission of this evidence, aiding in successful dispute resolution.

How do scheme rules on recurring billing affect advertising agencies that charge monthly retainers?

Advertising agencies charging monthly retainers must adhere to recurring billing scheme rules. This includes providing clear terms and conditions, obtaining explicit consent for recurring charges, and offering a straightforward cancellation process.

Visa and Mastercard require clear initial disclosures and notifications for subsequent billings, especially if the amount changes. Cardflo's payment solutions support compliant recurring billing setups, reducing the risk of 'unauthorised transaction' chargebacks.

Are there specific interchange categories for B2B advertising services that agencies should be aware of?

Yes, for B2B transactions, advertising agencies should ensure their acquirer supports Level 2 and Level 3 data processing.

Providing additional data fields such as invoice number, purchase order number, and tax amounts can qualify transactions for lower interchange rates, particularly with Visa and Mastercard's commercial card programmes.

Cardflo's robust MID routing ensures that enhanced data is passed through, optimising interchange costs for B2B clients.