Motor Vehicle Supplies & New Parts
Wholesale of automotive parts and supplies.
What MCC 5013 covers
Merchant Category Code 5013 is the ISO 18245 identifier used by the card networks for motor vehicle supplies & new parts. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Wholesale of automotive parts and supplies. 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 5013 is used for wholesalers of motor vehicle supplies and new parts. Merchants in this category typically operate B2B, selling automotive components, accessories, and supplies in bulk to repair shops, dealerships, and other auto-related businesses.
Ticket sizes often range from medium to high, depending on the order quantity and product value, with purchase frequency varying from regular stock replenishment to infrequent large orders. Transactions are usually card-not-present, though some may involve card-present at a warehouse or trade counter.
Chargebacks are generally low but can arise from 'merchandise not received', 'merchandise not as described' (e. g.
, incorrect part sent), or 'damaged goods'. Disputes around quality or fitment are also possible.
Fraudulent transactions, while less common than B2C, can occur for high-value parts, necessitating robust fraud screening. Schemes primarily treat these as standard B2B transactions.
Cardflo's advanced fraud prevention tools, including real-time transaction monitoring and customisable risk rules, help protect against fraudulent orders for high-value parts.
Our ability to process through a wide array of acquirers also ensures optimal routing for potentially high-value B2B transactions, improving approval rates and reducing processing costs.
Acquirer & underwriting stance
Low-risk standard board. These B2B merchants have stable customers and predictable order patterns.
No significant reserves are typically expected.
How Cardflo handles MCC 5013
- Underwriting with acquirers that actively board MCC 5013 businesses in your region.
- High-volume, low-ticket processing tuned for retail authorisation patterns.
- Omnichannel routing across in-store, ecommerce and click-and-collect.
- EMV, contactless and wallet acceptance enabled on a single integration.
- Refund, void and partial-capture flows aligned with retail operations.
Payment methods typically enabled
Common questions
How does 3D Secure apply to B2B transactions for automotive parts wholesalers?
For B2B transactions in MCC 5013, 3D Secure (3DS) is less frequently used than in B2C given the nature of corporate purchasing and established relationships. However, for card-not-present transactions, particularly with new business accounts or high-value orders, implementing 3DS can shift liability for unauthorised fraud.
Many B2B transactions may opt for manual verification or other internal controls instead of mandatory 3DS for all orders.
What specific B2B payment methods beyond cards are relevant for MCC 5013?
Beyond traditional credit/debit cards, bank transfers (SEPA Credit Transfer, Faster Payments) are highly relevant for B2B wholesale. Solutions like virtual cards, purchase order financing, and B2B BNPL (Buy Now Pay Later) are also gaining traction, offering extended payment terms critical for businesses managing cash flow.
Cardflo supports a range of these payment methods to cater to diverse B2B needs.
Are there specific chargeback challenges for wholesalers under MCC 5013?
Challenges include 'Merchandise Not Received' (Visa code 13. 1, Mastercard code 4855) due to logistics issues, or 'Not as Described' (Visa code 13.
3, Mastercard code 4853) if incorrect parts are shipped. Clear product descriptions, order verification, and robust shipping tracking with proof of delivery are essential.
For high-value goods, photographic evidence of packaging and dispatch can aid in dispute resolution.
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