Plumbing & Heating Equipment & Supplies
Wholesale of plumbing, HVAC and heating supplies.
What MCC 5074 covers
Merchant Category Code 5074 is the ISO 18245 identifier used by the card networks for plumbing & heating equipment & supplies. 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 plumbing, HVAC and heating 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 5074 covers wholesalers of plumbing, heating, and air conditioning (HVAC) equipment and supplies. These merchants typically serve professional plumbers, HVAC technicians, and building contractors.
Transaction values can range from hundreds to tens of thousands of pounds for specific components or entire system installations.
Chargeback volumes are generally low, with common causes being 'goods not as described' due to technical specifications, 'damaged during shipping', or 'late delivery' affecting project timelines. Given the specialised nature of products, some disputes may arise from incorrect ordering by the buyer or product incompatibilities.
Strong product knowledge and clear communication are paramount. Cardflo's extensive network of acquiring banks helps ensure smooth processing, while its comprehensive chargeback management suite enables these merchants to efficiently track and resolve disputes, reducing potential financial losses.
Acquirer & underwriting stance
Low-risk standard board. Stable B2B operations with established relationships.
No specific reserves are typically imposed.
How Cardflo handles MCC 5074
- Underwriting with acquirers that actively board MCC 5074 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 do technical specifications impact 'goods not as described' chargebacks in MCC 5074?
In MCC 5074, 'goods not as described' chargebacks often relate to precise technical specifications (e. g.
, pipe dimensions, pressure ratings, compatibility with other systems). Merchants must ensure product listings are highly accurate and encourage customers to verify specifications before purchase.
Providing access to detailed data sheets and offering technical support can prevent these disputes.
Are recurring payments common in wholesale plumbing/HVAC supplies?
Recurring payments are less common for individual product sales but can apply to service contracts, maintenance agreements, or scheduled bulk deliveries for ongoing projects.
Merchants offering these services should ensure their payment gateway supports robust recurring billing functionalities, including retry logic for failed payments to minimise declines.
What are the best practices for handling high-value transactions to avoid fraud?
For high-value transactions, merchants should implement enhanced fraud screening, including AVS and CVV checks. For new B2B customers, consider verifying business registration details, checking company credit history, and potentially using bank transfer for the initial large order.
Real-time fraud detection tools can flag suspicious patterns, such as orders with unusual shipping addresses.
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