Fastighetsmäklare och förvaltare — Uthyrning
Fastighetsmäklare, fastighetsförvaltning och uthyrning.
Vad MCC 6513 täcker
MCC-koden (Merchant Category Code) 6513 är ISO 18245-identifieraren som används av kortnätverken för fastighetsmäklare och förvaltare — uthyrning. Banker och tillsynsmyndigheter använder denna kod för att fastställa utbytesavgifter, systemavgifter, bedrägeriregler och rapporteringskategorier för varje transaktion ditt företag behandlar.
Fastighetsmäklare, fastighetsförvaltning och uthyrning. 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 real-estate agents, property managers, and businesses primarily engaged in facilitating rentals. This includes residential and commercial rental payments, security deposits, and associated fees.
Transactions can be high-value (especially security deposits or commercial rents) and are often recurring for rent payments. The frequency is typically monthly or quarterly.
Chargeback risk is generally moderate, with disputes often arising from 'services not as described' (e. g.
, property misrepresented), unauthorized transactions, or disputes over security deposit refunds. Clear contracts, photographic evidence of property condition, and explicit authorisation for all payments are essential.
Recurring rent payments must adhere to scheme rules for subscription billing.
Cardflo provides robust payment processing for high-value and recurring transactions, enabling property managers to collect rent and deposits efficiently. Our dispute management tools facilitate the submission of comprehensive evidence, including tenancy agreements and communication logs, to successfully challenge chargebacks.
Acquirer & underwriting stance
low-risk standard board
Hur Cardflo hanterar MCC 6513
- Avtalsvillkor med förvärvare som aktivt registrerar MCC 6513-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
Vanliga frågor
What specific chargeback reasons are common for rental payments under MCC 6513?
Common chargeback reasons include 'services not as described' (Visa code 13. 3) if the property does not meet expectations, 'fraudulent transaction' (Visa code 10.
4) for unauthorised rent payments, and disputes over security deposit refunds (Visa code 13. 3).
For recurring rent, 'recurring transaction not cancelled' (Visa code 13. 5) can arise if a tenancy ends but payments continue.
Are there any scheme requirements for recurring rent payments?
Yes, for card-on-file recurring rent payments, merchants must obtain explicit cardholder consent for recurring billing. They must also provide clear terms and conditions for the tenancy and payment schedule, an easy cancellation process, and ensure accurate billing descriptors appear on statements.
Account updater services can help manage expired cards for continuous payments.
How can Cardflo help property managers with high-value security deposits?
Cardflo's platform is equipped to handle high-value card transactions, such as security deposits, with enhanced fraud screening capabilities.
We also provide support for alternative payment methods like bank transfers, which are often preferred for larger sums due to lower processing fees and significantly reduced chargeback risk. This allows property managers flexibility and control over how they accept these payments.
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