Fireplace, Fireplace Screens & Accessories
Fireplaces, hearth products and accessories.
What MCC 5718 covers
Merchant Category Code 5718 is the ISO 18245 identifier used by the card networks for fireplace, fireplace screens & accessories. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Fireplaces, hearth products and accessories. 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 5718 includes retailers of fireplaces, fireplace screens, and related accessories. Ticket sizes are highly variable, from small accessories to expensive fireplace installations.
Purchase frequency is very low, as these are significant home improvement purchases.
Chargebacks are infrequent but can stem from 'damaged goods', 'failure to meet expectations' regarding performance or aesthetic, or 'non-receipt' for online orders, particularly for bulky or specialist items. Installation-related issues, if offered by the merchant, can also lead to disputes.
Cardflo's acquiring network includes specialist acquirers experienced in handling higher-value domestic and international transactions, offering improved stability and support for merchants dealing with occasional, high-ticket sales.
Acquirer & underwriting stance
Low-risk standard board. Risk is generally low due to the tangible nature of products.
Standard monitoring applies. No reserve expectations unless a pattern of material defect or installation-related disputes arises.
How Cardflo handles MCC 5718
- Underwriting with acquirers that actively board MCC 5718 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 shipping and delivery considerations apply to heavy or fragile fireplace components to prevent chargebacks?
Merchants must use reputable carriers experienced with specialist freight, ensure adequate packaging, and include insurance. Providing customers with accurate tracking information and requiring a signed delivery receipt that confirms goods were received in good condition is vital.
This mitigates 'damaged goods' (Visa 13. 3) and 'merchandise not received' (Mastercard 4855) disputes.
Are there specific refund guidelines for uninstalled or returned fireplace units?
Clear refund policies, particularly distinguishing between faulty and unwanted items, are crucial. For uninstalled units, a full refund might be expected within a reasonable return window.
For items that have been installed or show signs of use, merchants should document any depreciation or restocking fees in their terms and conditions, adhering to consumer protection laws.
How can Cardflo assist with the compliance requirements for selling regulated items like gas or solid fuel fireplaces?
While Cardflo does not directly advise on product compliance, its platform ensures that all transactions are processed securely and compliantly from a payment perspective. For regulated items, proof of appropriate certification (e.
g. , Gas Safe registration for installers) and documentation provided to the customer can be uploaded via Cardflo's chargeback tooling during a dispute, demonstrating good practice.
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