Motor Vehicle Supplies & New Parts.
Wholesale of automotive parts and supplies.
- MCC
- 5013
- Category
- Retail Outlets
- Cardflo support
- Yes
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.
Wholesale merchants should configure their acceptance to favour secure CNP transactions, likely through integrated ERP systems. Utilise level 2/3 data submission to qualify for lower interchange rates, which is crucial for B2B transactions.
Given the potentially high ticket sizes, robust fraud screening is essential, even within a B2B context. A multi-acquirer setup can provide resilience and optimise processing.
Reserve expectations are typically low due to the low-risk profile, but focus on clear return policies and detailed product descriptions to mitigate disputes.
Acquirer and acquirer assessment stance.
Low-risk standard board. These B2B merchants have stable customers and predictable order patterns.
No significant reserves are typically expected.
Dispute and chargeback profile.
The primary dispute reasons are 13.2 / 4853 (merchandise not received) and 13.1 / 4853 (merchandise not as described). 'Merchandise not received' often involves delivery issues; tracked shipping with proof of delivery is essential.
'Not as described' might relate to incorrect parts or quality concerns; accurate inventory descriptions, part numbers, and photographic evidence of despatched goods are the best defence. For both, meticulous record-keeping of the order, despatch, and delivery is critical.
See also: chargeback management · payment response codes · Compelling Evidence 3.0.
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How Cardflo handles MCC 5013
- Placement 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, e-commerce and click-and-collect.
- EMV, contactless and wallet acceptance enabled on a single integration.
- Refund, void and partial-capture flows aligned with retail operations.
- Dedicated onboarding manager experienced with multi-location retail brands.
Payment methods typically enabled.
Onboarding checklist.
What acquirers typically ask to see when boarding MCC 5013. Cardflo collects this once and reuses it across every acquirer we route you through.
- Business registration and beneficial-owner documentation (KYB, UBO).
- Six months of processing statements or bank statements demonstrating in-store and e-commerce split.
- Refund, exchange and returns policy visible at point of sale and on the website.
- PCI DSS SAQ appropriate to the environment (A, A-EP or D as relevant).
- Store-front address list for multi-location operators.
- Six months of processing statements or bank statements demonstrating trading pattern.
See also: Know Your Customer (KYC) · high-risk merchant · smart routing.
Talk to an acquiring specialist about your MID setup.
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.
What documentation should B2B merchants prepare to contest 'merchandise not as described' chargebacks?
To contest 'merchandise not as described' chargebacks, B2B merchants should compile detailed evidence. This includes the original order form or purchase order clearly specifying the requested parts, a precise product description from your catalogue or website with part numbers, and quality control records, if applicable.
Photographic evidence of the item prior to shipping, ideally showing its condition and packaging, is highly persuasive. Additionally, any communication with the customer regarding product specifications or acceptance of alternatives, alongside verified delivery confirmation, will significantly strengthen your defence against such claims.
How can wholesale automotive parts suppliers effectively manage chargebacks related to 'damaged goods' received by the customer?
Managing 'damaged goods' chargebacks requires a systematic approach. Firstly, document your packaging process meticulously, including photos of items before and after packaging.
Utilise reputable couriers and ensure shipments are properly insured. Upon notification of damage, provide clear instructions for the customer to document the damage with photographs and to retain all original packaging.
This evidence is crucial for both your defence against the chargeback and for pursuing a claim with your shipping carrier. A transparent returns and replacement policy for damaged goods, readily available to customers, also helps in resolving issues pre-chargeback.
Related industries.
Related guides.
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