MCC-based routing
Optimise transaction routing based on the Merchant Category Code (MCC) of the transaction. Cardflo's MCC-based routing enables merchants to direct payments to acquirers that specialise in specific industries or offer preferential rates for certain MCCs, enhancing approval rates and reducing processing costs for high-risk or specialised sectors.
What you get.
- Route transactions to acquirers specialising in specific MCCs
- Leverage preferential rates offered by acquirers for certain industries
- Improve authorisation rates for high-risk or niche MCCs
- Automate routing based on the transaction's Merchant Category Code
- Configure fallback options for MCCs not supported by primary acquirers
- Adapt routing strategies to align with industry-specific regulations
Common questions.
How does MCC-based routing improve high-risk processing?
High-risk MCCs often face scrutiny from general acquirers. MCC-based routing allows merchants to direct these transactions to specialist acquirers that are accustomed to and equipped to handle specific high-risk industries, leading to higher approval rates and stable processing.
Can I combine MCC-based routing with other routing rules?
Yes, MCC-based routing can be combined with other routing parameters such as country, currency, or transaction value. This allows for multi-layered and highly specific routing logic, ensuring maximum flexibility and optimisation for complex payment flows.
What if an acquirer does not support a specific MCC?
Cardflo's system allows for the configuration of fallback rules. If the primary acquirer for a specific MCC is unavailable or declines the transaction, the system can automatically re-route it to a secondary acquirer or a general-purpose acquirer, ensuring continuity.
Ready for velocity?
Tell us about your business. We'll match you with the right acquiring partners and the right route, typically inside a week.