Floor Covering Stores
Carpet, rug and flooring retailers.
What MCC 5713 covers
Merchant Category Code 5713 is the ISO 18245 identifier used by the card networks for floor covering stores. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Carpet, rug and flooring retailers. 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 5713 covers stores specialising in floor coverings such as carpets, rugs, tiles, and wood flooring. This sector typically involves medium to high ticket sizes, especially for large installations.
Purchase frequency is low, as flooring is a durable and infrequent purchase for most consumers.
Chargebacks can occur due to 'merchandise not meeting specifications' (e. g.
, colour or material discrepancy), 'installation issues', or 'damaged goods'. Misunderstandings regarding measurements or fitting services can also lead to disputes.
Fraud rates are generally low, but higher-value orders should still be scrutinised.
Cardflo's sophisticated fraud detection and prevention tools can help identify suspicious high-value transactions before fulfilment, reducing potential chargebacks related to fraud or non-genuine purchases.
Acquirer & underwriting stance
Low-risk standard board. Businesses usually have established physical presences and clear sales processes.
Standard financial monitoring applies; reserves are not typically required unless specific risk factors emerge.
How Cardflo handles MCC 5713
- Underwriting with acquirers that actively board MCC 5713 businesses in your region.
- MCC review during onboarding to confirm the right code for your products.
- Reclassification support if scheme rules or product mix change post-launch.
- Multi-acquirer routing to keep approvals stable for broad merchant categories.
- Dispute support tuned to the mixed-product chargeback profile this MCC sees.
Payment methods typically enabled
Common questions
What specific details should a merchant in MCC 5713 include on sales receipts for custom-cut or installed flooring?
For custom-cut or installed flooring, receipts should explicitly detail product specifications (e. g.
, material, colour, dimensions), agreed-upon price, installation date, and any warranties. This documentation is critical for defending against 'merchandise not as described' chargebacks (Visa Reason Code 13.
3, Mastercard 4853), proving the goods and services were supplied as per agreement.
Are there specific considerations for managing chargebacks related to installation services in this MCC?
Installation-related chargebacks often stem from customer dissatisfaction with workmanship. Merchants should maintain detailed service agreements, obtain signed completion certificates from customers, and have appropriate liability insurance.
Providing clear pre-installation guidelines and a complaints resolution process can significantly reduce disputes.
How can Cardflo's services benefit a flooring retailer with high average transaction values?
Cardflo offers advanced authorisation and settlement capabilities, ensuring that high-value transactions are processed efficiently and securely.
Its robust fraud screening capabilities help mitigate risks associated with larger purchases, while detailed transaction reporting assists with reconciliation and helps identify any patterns that could lead to chargebacks, providing data for proactive risk management.
Other MCCs in Miscellaneous Stores
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