Electrical Parts & Equipment
Wholesale of electrical components and supplies.
What MCC 5065 covers
Merchant Category Code 5065 is the ISO 18245 identifier used by the card networks for electrical parts & equipment. 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 electrical components 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.
Merchants in MCC 5065 are typically wholesale distributors of electrical parts, wiring, lighting fixtures, and related equipment. Their customers are often electricians, contractors, manufacturers, or retail hardware stores.
Ticket sizes can vary significantly, from small components to large equipment orders, often ranging from hundreds to many thousands of pounds, with transaction frequency potentially lower than retail.
Chargebacks in this sector are relatively low, usually stemming from 'goods not as described' or 'damaged goods' disputes, often due to shipping issues or specification mismatches. Service issues, such as late delivery or incorrect order fulfilment, can also lead to disputes.
Fraud rates are generally low due to the B2B nature of transactions and established trading relationships.
While there are no specific scheme programmes targeting wholesale electrical suppliers, robust order verification and accurate product descriptions are crucial. Cardflo's chargeback dispute management tools, coupled with detailed transaction data, help merchants effectively challenge unfounded claims and maintain a favourable dispute ratio.
Acquirer & underwriting stance
Low-risk standard board. These merchants typically have stable business models, good order documentation, and low fraud rates.
No specific reserves are usually required.
How Cardflo handles MCC 5065
- Underwriting with acquirers that actively board MCC 5065 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 can wholesalers in MCC 5065 mitigate 'goods not as described' chargebacks?
To mitigate 'goods not as described' chargebacks, merchants should provide highly accurate product descriptions, specifications, and images. Implementing clear return and refund policies, and ensuring despatch matches the order exactly, is vital.
For large or complex orders, pre-shipment quality checks and photographic evidence of items packed can be beneficial in dispute resolution.
Are B2B transactions in this MCC eligible for 3D Secure exemptions?
Yes, B2B transactions can often benefit from 3D Secure exemptions, especially for trusted corporate cards or recurring payments. PSD2's Strong Customer Authentication (SCA) regulations include exemptions for low-value transactions, recurring payments after the first one, and inter-regional transactions.
Your processor can help implement an exemption strategy to balance security and conversion.
What payment methods are best for large wholesale orders in MCC 5065?
For large wholesale orders, bank transfers (e. g.
, SEPA, Faster Payments) or Bacs/Chaps via open banking are often preferred by businesses due to lower transaction fees compared to card payments for high values.
Corporate cards are also common, but merchants should offer a range of options to accommodate customer preferences and optimise payment processing costs.
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