Floor Covering Stores.
Carpet, rug and flooring retailers.
- MCC
- 5713
- Category
- Miscellaneous Stores
- Cardflo support
- Yes
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.
Merchants should optimise for in-store payments with Chip & PIN, supplemented by strong online acceptance for e-commerce. Given the medium-to-high ticket sizes, especially for installations, prioritise secure payment gateways offering 3DS2 and fraud detection tools.
For bespoke flooring or large installations, take a deposit and collect the balance upon satisfactory completion. Maintain clear invoicing and contractual agreements.
Review your reserve requirements if your dispute rate for 'services not as described' or 'defective merchandise' exceeds 0.4%, as acquirers may request a 2% rolling reserve to cover potential liabilities.
Acquirer and acquirer assessment 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.
Dispute and chargeback profile.
The most common disputes are 13.1 / 4853 (services not as described) for material or installation discrepancies and 13.3 / 4855 (defective merchandise) for quality issues. "Not as described" often stems from colour, texture, or measurement mismatches.
Counter with signed order forms, detailed product specifications, and photographic evidence of the installed product. For "defective merchandise", provide a copy of the manufacturer's warranty, maintenance guidelines, and records of any post-sale service attempts, demonstrating the product was sold as fit-for-purpose.
See also: chargeback management · payment response codes · Compelling Evidence 3.0.
Book a scoping call to see how Cardflo would set you up.
How Cardflo handles MCC 5713
- Placement 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.
- Dedicated onboarding manager rather than a generic ticket queue.
Payment methods typically enabled.
Onboarding checklist.
What acquirers typically ask to see when boarding MCC 5713. Cardflo collects this once and reuses it across every acquirer we route you through.
- Business registration and beneficial-owner documentation (KYB, UBO).
- Six months of processing statements or bank statements demonstrating trading pattern.
- Product catalogue extract confirming the MCC covers the goods actually sold.
- Refund, exchange and cancellation policy shown at point of sale and on the website.
- PCI DSS SAQ appropriate to the environment (A, A-EP or D as relevant).
- Website terms of service, privacy policy and clear merchant descriptor.
See also: Know Your Customer (KYC) · high-risk merchant · smart routing.
Talk to an acquiring specialist about your MID setup.
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.
How should I structure my payment process for large flooring installation projects to mitigate chargeback risk?
For large flooring installation projects, structure your payments in stages. Implement a deposit to secure the order and cover initial material costs, processed via a secure online gateway with 3DS2 authentication.
The bulk of the payment should only be collected upon satisfactory completion of the installation, with the customer signing off on a completion certificate. Clearly articulate your change order process and associated costs to prevent disputes over scope creep.
For projects over £5,000, consider additional KYB checks if the customer is a new business.
What evidence is most effective in combating chargebacks where a customer claims the flooring 'does not meet specifications'?
To combat "does not meet specifications" chargebacks, stringent documentation is key. Provide evidence of the original order, including customer-signed contracts detailing material, colour codes, and measurements.
Supply photographic evidence taken before and after installation, showcasing the correct product and workmanship. If samples were provided, retain records of these.
Crucially, any communication confirming the customer's approval of the specifications before installation should be submitted. This proves the product delivered aligns with what was agreed.
Related industries.
Related features.
Related guides.
Ready to improve your payments setup?
Tell us about your business. We'll match you with the right acquiring partners and the right route, typically inside a week.