Florists' Supplies, Nursery Stock & Flowers
Wholesale of horticultural and floral supplies.
What MCC 5193 covers
Merchant Category Code 5193 is the ISO 18245 identifier used by the card networks for florists' supplies, nursery stock & flowers. 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 horticultural and floral 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 5193 covers merchants involved in the wholesale of florists' supplies, nursery stock, and fresh flowers. This primarily involves B2B transactions with florists, garden centres, landscapers, and event planners.
Ticket sizes are typically moderate to high, varying with order volume and product seasonality. Purchase frequency can be very regular, especially for fresh flowers, or seasonal for nursery stock.
Chargebacks are not high but disputes can arise from issues with product freshness, quality, or incorrect species/quantities delivered. Given the perishable nature of some goods, 'Merchandise Not As Described' or 'Damaged Goods' are common reasons.
Timely delivery and clear photographic evidence of goods before dispatch are critical.
This MCC is generally considered low-risk. Cardflo's flexible payment gateway and acquiring solutions cater to seasonal volume fluctuations and provide robust dispute resolution tools for merchants in this sector.
Acquirer & underwriting stance
Low-risk standard board. Standard processing terms apply with no expectation of enhanced monitoring or reserves.
How Cardflo handles MCC 5193
- Underwriting with acquirers that actively board MCC 5193 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 merchants in MCC 5193 manage the risk of chargebacks due to perishable goods?
Managing chargebacks for perishable goods like fresh flowers is critical. Merchants should explicitly state their return and refund policies regarding perishables, including time limits for reporting issues.
High-quality photographic evidence of goods before shipment, temperature-controlled shipping documentation, and prompt customer service responses to complaints can significantly reduce 'Merchandise Not As Described' chargebacks.
What payment methods are most common for B2B florists' supplies and nursery stock?
For B2B transactions in MCC 5193, commercial credit cards are common for smaller or ad hoc orders. For larger or recurring orders, bank transfers (ACH, SEPA) and direct debits are frequently used due to lower fees.
Increasingly, APMs like digital wallets are also gaining traction as businesses modernise their payment processes. Cardflo supports a wide range of these payment options.
Are there particular peak seasons that affect payment processing for this MCC?
Yes, florists' supplies and nursery stock businesses experience significant seasonal peaks, particularly around holidays like Valentine's Day, Mother's Day, and during spring planting season. Payment processors must be able to scale efficiently to handle these surges in transaction volume without service interruption.
Cardflo's infrastructure is built for high transaction throughput and elastic scaling to accommodate such demands.
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