Horticultural & Landscaping Services
Lawn care, landscape design, gardening and tree services.
What MCC 0780 covers
Merchant Category Code 0780 is the ISO 18245 identifier used by the card networks for horticultural & landscaping services. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Lawn care, landscape design, gardening and tree services. Choosing the right MCC is critical: an incorrect code can lead to higher interchange, surcharges, or, in regulated categories, declined transactions and account holds.
This MCC covers horticultural and landscaping services, including lawn care, landscape design, gardening, tree services, and irrigation system installation/maintenance. Merchants are typically local service providers, ranging from sole traders to larger companies.
Ticket sizes vary from small recurring fees for lawn maintenance to substantial amounts for complex landscape design and installation projects. Transaction frequency can be seasonal, with higher volumes during spring and summer months.
Chargebacks are generally low, primarily stemming from service dissatisfaction, perceived poor quality work, or services not being rendered as agreed. Fraud levels are low due to the in-person nature of these services.
Strong customer agreements and clear service definitions are crucial. There are no specific scheme programmes for this MCC.
Cardflo's ability to onboard and support a wide range of merchant sizes, from sole traders to larger enterprises, combined with our flexible payment acceptance options, makes us suitable for supporting the diverse business models under this MCC.
Our intuitive dashboard simplifies transaction monitoring and dispute management.
Acquirer & underwriting stance
Low-risk standard board. Stable transaction patterns and generally low fraud rates.
Standard underwriting applies with no exceptional reserve requirements.
How Cardflo handles MCC 0780
- Underwriting with acquirers that actively board MCC 0780 businesses in your region.
- Underwriting tuned to seasonal cash-flow patterns and producer-payout cycles.
- Acquirer relationships that understand co-operative and primary-producer structures.
- Surcharge and convenience-fee handling aligned with farm/agribusiness conventions.
- Settlement timing options that match harvest, livestock and supply-chain cycles.
Payment methods typically enabled
Common questions
What is the best practice for managing recurring payments for services like lawn maintenance?
For recurring lawn maintenance or other subscription-based services, merchants should utilise tokenisation for card-on-file transactions and adhere to scheme rules for recurring billing. This includes providing clear terms, an easy cancellation process, and sending customers notifications before charges occur (especially for annual or infrequent charges).
Ensuring customers explicitly agree to recurring billing is key to preventing 'I don't recognise this' chargebacks.
How can landscaping businesses best defend against 'service not as described' chargebacks?
To defend against 'service not as described' chargebacks, landscaping businesses should maintain detailed contracts or proposals outlining the scope of work, materials used, and expected outcomes. Before-and-after photographs, customer sign-offs on completed work, and detailed invoices are crucial.
Any change orders should be documented and approved by the customer in writing. This evidence provides strong support for representment.
Are there particular interchange rates that apply to services like tree removal or large landscaping projects?
For high-value services like tree removal or extensive landscaping projects, transactions typically fall under standard credit/debit card interchange categories, such as 'Standard' or 'Preferred'. For Card-Present transactions, EMV chip use is encouraged.
For Card-Not-Present, particularly if booked online, 3D Secure is advised to shift liability and mitigate fraud risk, though these are typically lower risk due to the nature of the service.
Other MCCs in Agricultural Services
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