Concrete Work Contractors
Foundations, slabs, driveways and concrete construction.
What MCC 1771 covers
Merchant Category Code 1771 is the ISO 18245 identifier used by the card networks for concrete work contractors. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Foundations, slabs, driveways and concrete construction. 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 1771 includes concrete contractors specialising in foundations, slabs, driveways, and other concrete construction.
These businesses typically serve both residential and commercial sectors, with ticket sizes varying greatly depending on the project scale, from small domestic patios (hundreds) to large commercial foundations (tens of thousands or more).
Transaction frequency is generally low to medium, often tied to project phases (deposit, interim payments, final payment). Chargebacks are not common in this MCC.
When they occur, they typically relate to disputes over the quality of work (e. g.
, cracking, incorrect grading) or failure to complete the project as contracted. The majority of payments are likely card-not-present, taken over the phone, or via online invoicing.
This MCC does not fall under any specific scheme programmes. Visa and Mastercard use standard B2B/consumer transaction categorisation.
Cardflo provides these merchants with secure and flexible payment solutions, including APIs for integrating payment forms on their websites for deposits, or virtual terminals for remote payment processing via phone.
Acquirer & underwriting stance
Low-risk standard board. This industry generally carries a low fraud risk.
Standard underwriting and pricing models apply. Reserves are seldom imposed, given the nature of the service.
How Cardflo handles MCC 1771
- Underwriting with acquirers that actively board MCC 1771 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 the most common chargeback issues for concrete contractors and how can they be prevented?
Common issues include 'Services Not Provided' (Reason Code 4855 / 13. 3) or 'Defective Merchandise/Services' (Reason Code 4834 / 13.
1) if the concrete subsequently fails. Prevention involves clear contracts, detailed specifications, photographic evidence of site preparation and finished work, and client sign-off upon project completion.
Ensuring proper ground preparation and materials also technically mitigates service quality issues.
For large concrete pour projects, what is the safest way to accept large-value payments?
For substantial payments related to large concrete projects, encouraging bank transfers reduces card processing fees and provides finality of payment. If cards are preferred, using a 3D Secure authenticated payment link or virtual terminal for remote collection helps transfer liability for fraud to the issuer.
Ensure funds are cleared before commencing work in full.
How can I provide digital invoices and payment options to my clients in MCC 1771?
Digital invoices incorporating direct payment links are highly effective. These links allow clients to pay using their preferred card or digital wallet securely online.
Cardflo's payment link solution can be integrated into your invoicing software or used as a standalone tool, offering a professional and convenient payment experience.
Other MCCs in Contracted Services
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