Special Trade Contractors (Not Elsewhere Classified)
Other specialty construction trades not otherwise categorised.
What MCC 1799 covers
Merchant Category Code 1799 is the ISO 18245 identifier used by the card networks for special trade contractors (not elsewhere classified). Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Other specialty construction trades not otherwise categorised. 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 1799 encompasses 'Special Trade Contractors (Not Elsewhere Classified)', covering a diverse range of specialist construction and repair services not specifically categorised elsewhere. This can include trades like demolition, excavation, well drilling, glass installation, and scaffolding services.
Merchants vary from small, local specialists to larger firms handling niche aspects of major construction projects.
Ticket sizes and transaction frequency are highly variable due to the broad nature of the MCC. Some services might involve frequent, smaller repair jobs, while others are project-based with significant, infrequent payments.
Chargebacks are generally low but can arise from disputes related to service completion, quality of specialised work, or contract discrepancies. Payments are predominantly card-not-present.
There are no specific scheme programmes applicable to this broad 'catch-all' MCC. Standard Visa and Mastercard guidelines for business services apply.
Cardflo's flexible onboarding and risk assessment processes can accommodate the diverse business models under this MCC, offering customised payment solutions and integrating various APMs to suit specific client needs.
Acquirer & underwriting stance
Low to medium-risk standard board. Due to the 'not elsewhere classified' nature, individual merchant underwriting is key.
Most will be low risk, but some highly specialised or higher-value services may warrant additional scrutiny. Reserves are typically not required unless specific risk factors are identified.
How Cardflo handles MCC 1799
- Underwriting with acquirers that actively board MCC 1799 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
Given the broad nature of MCC 1799, how is risk typically assessed for these miscellaneous contractors?
Risk assessment for MCC 1799 merchants is highly individualised. Acquirers evaluate the specific services offered, average ticket size, project terms, business structure, and prior processing history.
Factors like upfront payment percentages, long project timelines, and unique contractual terms are scrutinised. Cardflo's KYB onboarding focuses on understanding your specific business operations to provide an accurate risk profile.
What measures should 'Special Trade Contractors' take to prevent chargebacks, especially for unique services?
Prevention hinges on clear, detailed contracts specifying the exact scope of unique work, materials, timelines, and acceptance criteria. Photographic evidence, project logs, and client sign-offs at crucial stages are vital.
For highly specialised services, establishing clear expectations regarding outcomes and potential limitations at the outset can prevent 'service not as described' disputes.
Can I use Cardflo to accept payments efficiently for varied project types under MCC 1799?
Yes, Cardflo's platform offers versatility for varied project types. For remote deposits or final payments, a virtual terminal or secure payment links are effective.
For integrating payments into project management software or enterprise resource planning (ERP) systems, our robust API allows for customisable integrations. This flexibility ensures you can accept payments efficiently regardless of project complexity.
Other MCCs in Contracted Services
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