Men's, Women's & Children's Uniforms & Commercial Clothing
Wholesale of uniforms and commercial clothing.
What MCC 5137 covers
Merchant Category Code 5137 is the ISO 18245 identifier used by the card networks for men's, women's & children's uniforms & commercial clothing. 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 uniforms and commercial clothing. Choosing the right MCC is critical: an incorrect code can lead to higher interchange, surcharges, or, in regulated categories, declined transactions and account holds.
This MCC is assigned to wholesale distributors of men's, women's, and children's uniforms and commercial clothing. These merchants supply businesses (e.
g. , hotels, hospitals, security firms, schools) with branded or functional attire.
Sales cycles can be project-based (large initial orders followed by smaller replenishment orders) or ongoing contractual agreements. Ticket sizes are generally high due to bulk orders.
Chargebacks typically arise from 'merchandise not as described' (e. g.
, incorrect sizing, material, or logo embroidery), 'goods/services not received' (e. g.
, delayed or incomplete delivery of large orders), or 'defective merchandise' if a batch shows quality issues.
There are no specific scheme programmes for this MCC. Cardflo's robust KYB and anti-fraud tools are critical for vetting B2B customers, particularly for branded goods, and our chargeback management system helps merchants represent disputes effectively using order and delivery documentation.
Acquirer & underwriting stance
Low to medium-risk standard board. Risk is influenced by order customisation levels and batch quality control.
Monitoring for repeat disputes relating to product errors is common. Reserves are generally not imposed unless specific contractual or quality issues are identified.
How Cardflo handles MCC 5137
- Underwriting with acquirers that actively board MCC 5137 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
What evidence should be collected to defend a 'merchandise not as described' chargeback for customised uniforms?
For customised uniforms, strong evidence includes original design approvals (signed proofs, mock-ups), precise order specifications, production quality checks (e. g.
, samples, photos at different production stages), and comprehensive delivery receipts. This proves the uniforms matched the agreed specifications.
Cardflo's chargeback system facilitates document upload for representment.
How do merchants in MCC 5137 mitigate chargebacks related to sizing discrepancies?
Sizing discrepancies are mitigated by providing clear, detailed size charts, encouraging clients to measure carefully, and offering pre-production samples where feasible. Documenting client acceptance of sizing guides and disclaimers regarding customisation can help defend against 'merchandise not as described' claims related to fit.
Can Cardflo help manage fluctuating seasonal demand for wholesale uniform businesses?
Cardflo's platform is built for scalability, capable of handling varying transaction volumes without service interruption, which is crucial for businesses with seasonal spikes (e. g.
, school uniform suppliers). Our load-balanced infrastructure and real-time transaction monitoring ensure consistent performance during peak periods, maintaining high approval rates.
Ready for velocity?
Tell us about your business. We'll match you with the right acquiring partners and the right route, typically inside a week.