Masonry, Stonework, Tile, Plastering & Insulation
Specialty trade contractors for masonry, tile and plastering work.
What MCC 1740 covers
Merchant Category Code 1740 is the ISO 18245 identifier used by the card networks for masonry, stonework, tile, plastering & insulation. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Specialty trade contractors for masonry, tile and plastering work. Choosing the right MCC is critical: an incorrect code can lead to higher interchange, surcharges, or, in regulated categories, declined transactions and account holds.
Merchants in MCC 1740 typically include specialist contractors for masonry, stonework, tile installation, plastering, and insulation services. These are 'job-to-job' businesses, often family-run or small to medium enterprises.
Ticket sizes vary significantly, from small repair jobs (hundreds of pounds) to substantial new build components (tens of thousands of pounds or more).
Transaction frequency is generally low to medium, tied to project completions or interim payment schedules. Chargebacks are relatively uncommon, but when they occur, they often relate to service disputes – quality of work, incomplete work, or perceived overcharging.
Card-present transactions for deposits or final payments, or card-not-present over the phone, are typical.
There are no specific scheme programmes targeting this MCC. Visa and Mastercard generally treat these transactions as standard retail.
Cardflo's chargeback management tooling, particularly its dispute reason code analysis and evidence submission features, assists these merchants in effectively addressing service-related disputes by streamlining the process of submitting contracts, photos, and completion certificates.
Acquirer & underwriting stance
Low-risk standard board. These merchants typically present a low fraud risk and stable transaction patterns.
No specific reserves are usually required, given the nature of the services provided.
How Cardflo handles MCC 1740
- Underwriting with acquirers that actively board MCC 1740 businesses in your region.
- Underwriting for trades, contractors and project-based businesses with variable ticket sizes.
- Job-deposit and progress-payment flows supported on a single MID.
- Card-present and card-not-present routing for site visits and remote invoicing.
- Dispute support tuned to the documentation contractors actually keep.
Payment methods typically enabled
Common questions
What are common reasons for chargebacks in MCC 1740 and how can I mitigate them?
Common chargeback reasons include 'Services Not as Described' (Reason Code 4855 / 13. 3) and 'Credit Not Processed' (Reason Code 4834 / 13.
1). Mitigation involves clear contracts, detailed specifications, photographic evidence of work before and after, documented change orders, and prompt refunds if agreed.
Obtaining customer sign-off on completed stages can significantly reduce disputes.
Are there any specific scheme compliance requirements I should be aware of for construction services?
While no specific scheme programmes target general construction services, ensure PCI DSS compliance for handling card data. For large transactions, consider using 3D Secure to shift liability for 'Card Not Present' fraud.
Maintain detailed records to comply with any scheme retrievals or chargeback inquiries, especially for service delivery documentation.
Given the varying ticket sizes, what payment setup is most efficient for MCC 1740 merchants?
Merchants in this MCC benefit from a multi-channel payment acceptance approach. For deposits and larger interim payments, a virtual terminal for card-not-present transactions or bank transfers are efficient.
For smaller, on-site payments, mobile POS devices or payment links can be useful. Cardflo's flexible acquiring network allows for optimal routing based on transaction specifics, aiming for lower interchange.
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