Roofing, Siding & Sheet Metal Work
Roof installation, repair and sheet metal contracting.
What MCC 1761 covers
Merchant Category Code 1761 is the ISO 18245 identifier used by the card networks for roofing, siding & sheet metal work. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Roof installation, repair and sheet metal contracting. Choosing the right MCC is critical: an incorrect code can lead to higher interchange, surcharges, or, in regulated categories, declined transactions and account holds.
MCC 1761 covers roofing, siding, and sheet metal contractors specialising in installation, repair, and maintenance. These businesses range from local sole traders to larger regional companies.
Transaction sizes can vary widely, from minor repairs (a few hundred pounds) to full roof replacements or large commercial projects (tens of thousands or even hundreds of thousands of pounds).
Transaction frequency is generally low to medium, often project-based, involving deposits, progress payments, and a final payment. Chargebacks are relatively infrequent compared to high-volume industries, but when they occur, they often stem from disputes over incomplete work, poor workmanship, or weather-related damage claims post-installation.
Most transactions are card-not-present via phone or online invoicing.
There are no specific scheme compliance programmes for this MCC. Standard Visa and Mastercard rules apply.
Cardflo supports these merchants with secure payment gateway solutions, including virtual terminals for customer-initiated remote payments, and robust dispute resolution tools which help streamline submission of evidence like contracts, before-and-after photos, and completion certificates.
Acquirer & underwriting stance
Low-risk standard board. This sector demonstrates low fraud risk and predictable revenue cycles.
Normal underwriting standards apply. No specific reserves are typically mandated.
How Cardflo handles MCC 1761
- Underwriting with acquirers that actively board MCC 1761 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 specific documentation should I retain to defend against 'services not as described' chargebacks for roofing work?
For 'services not as described' (Reason Code 4855 / 13. 3) chargebacks, retain detailed contracts outlining scope, materials, and warranty.
Critical evidence includes before and after photos of the work, signed completion certificates from the client, and records of all communications regarding the project. This concrete evidence is vital for a strong chargeback defence.
Are there any considerations for processing large deposits for roofing projects?
For large deposits, consider using 3D Secure for card-not-present transactions to shift liability for fraud to the issuer, or encourage bank transfers which have lower fees and are final upon receipt.
Clearly stipulate deposit terms in the contract regarding refunds or project cancellation to avoid disputes. Cardflo's gateway can facilitate 3D Secure on virtual terminal payments.
How can I streamline payment collection for onsite work or progress payments?
Streamline payment collection by using secure payment links that can be sent via email or text message for progress payments, allowing clients to pay securely from their own device.
For onsite payments, mobile POS terminals connected via Bluetooth or Wi-Fi can offer convenience, although card-not-present methods are common for this MCC.
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