Försäkringsförsäljning, teckning och premier

Försäkringsbolag och premieinsamling.

Ansök om MCC 6300 Tillbaka till hela listan

Vad MCC 6300 täcker

MCC-koden (Merchant Category Code) 6300 är ISO 18245-identifieraren som används av kortnätverken för försäkringsförsäljning, teckning och premier. Banker och tillsynsmyndigheter använder denna kod för att fastställa utbytesavgifter, systemavgifter, bedrägeriregler och rapporteringskategorier för varje transaktion ditt företag behandlar.

Försäkringsbolag och premieinsamling. Att välja rätt MCC är avgörande: en felaktig kod kan leda till högre utbytesavgifter, tilläggsavgifter eller, i reglerade kategorier, nekade transaktioner och spärrade konton.

This MCC is used by insurance carriers for the sale of insurance, underwriting, and premium collection. Merchants are insurance companies or authorised brokers collecting premiums.

Transactions are often recurring, with varying ticket sizes from small monthly premiums to large annual payments. Frequency is typically periodic.

Chargebacks are generally moderate. Common causes include policy cancellation disputes, 'service not as described', or unauthorised recurring payments.

Clear policy terms, proof of consent for recurring payments, and transparent billing descriptors are critical for dispute resolution. Both Visa and Mastercard have specific rules for recurring billing, including mandates for easy cancellation.

Cardflo provides a reliable and secure platform for managing recurring insurance premium payments, optimising approval rates for subscription-based models. Our chargeback management tools help insurers effectively dispute 'transaction not recognised' claims by surfacing critical policy and consent data.

Acquirer & underwriting stance

low-risk standard board

Hur Cardflo hanterar MCC 6300

Avtalsvillkor med förvärvare som aktivt registrerar MCC 6300-företag i din region.
Kortbetalningar mellan företag (B2B) utan närvaro med stöd för Nivå 2 och Nivå 3 data.
Acceptans av virtuella kort, AP-automatisering och inköpskort.
Fakturalänkade betalningsflöden och betalningslänkalternativ för fordringsteam.
Avräkning och avstämning som smidigt matchar ERP- och redovisningssystem.

Payment methods typically enabled

Apple Pay

Google Pay

SEPA Direct Debit

Bank Transfer

Vanliga frågor

What are the scheme rules for recurring insurance premium payments?

Both Visa and Mastercard have strict rules for recurring payments. Merchants must obtain explicit cardholder consent, provide clear terms and conditions, and have an easy-to-use cancellation process.

Cardholders must be notified in advance of billing and provided with clear billing descriptors. Failure to comply can lead to 'recurring transaction not cancelled' chargebacks (Visa code 13.

5, Mastercard code 4808).

How does Cardflo help improve approval rates for recurring insurance premiums?

Cardflo optimises approval rates for recurring insurance premiums through intelligent transaction routing to acquirers with the highest success rates for the issuing bank and card type.

Our platform also supports account updater services, which automatically update expired or reissued card details, significantly reducing declines due to outdated card information and ensuring continuity of premium collection.

What data should an insurance company provide to dispute a chargeback under MCC 6300?

To successfully dispute a chargeback, an insurance company should provide: proof of policy terms and conditions, evidence of cardholder consent for coverage and recurring billing, communication records with the policyholder, proof of service delivery (policy documents),

and confirmation that the cancellation policy was adhered to or offered. Clear billing descriptors are crucial for avoiding 'transaction not recognised' claims.