Wrecking & Salvage Yards
Auto wrecking, salvage and dismantling yards.
What MCC 5935 covers
Merchant Category Code 5935 is the ISO 18245 identifier used by the card networks for wrecking & salvage yards. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Auto wrecking, salvage and dismantling yards. 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 5935 covers wrecking and salvage yards, including auto dismantlers and metal recycling facilities. Transactions typically involve large, infrequent purchases of salvaged vehicles or parts, or smaller, high-frequency sales of scrap metal by weight.
Chargebacks are generally low, usually arising from disputes over part condition, incorrect vehicle identification, or non-delivery for online parts sales. Fraud risk is minimal in physical operations but present for online vehicle part sales, particularly for high-value components.
Accurate inventory management and clear descriptions are key. Cardflo's payment solutions support diverse transaction types, from in-person bulk sales to online parts commerce, with adaptable fraud screening to protect against specific risks without hindering legitimate trade.
Acquirer & underwriting stance
Low-risk standard board for most operations. Online sales of specific, high-value auto parts might warrant a slightly higher risk assessment, but generally no reserve is needed.
How Cardflo handles MCC 5935
- Underwriting with acquirers that actively board MCC 5935 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 challenges do wrecking and salvage yards face regarding payment processing for used parts?
The primary challenges for wrecking and salvage yards selling used parts involve accurately describing the condition and compatibility of salvaged items, which can lead to 'not as described' chargebacks. Online sales require robust inventory management to ensure parts are available and correctly identified.
Furthermore, the varying value of parts means fraud detection needs to be adaptable, flagging suspicious high-value orders while allowing frequent low-value sales.
Are there any scheme rules about selling motor vehicle parts (new or used)?
There are no specific scheme rules solely dedicated to used motor vehicle parts, but general e-commerce and consumer protection rules apply. Merchants must provide accurate product descriptions, clear return/warranty policies, and promptly fulfil orders.
For high-value new or used parts sold online, schemes like Visa and Mastercard encourage the use of 3D Secure 2. 0 to protect against fraud and shift liability.
Consistently high dispute rates for 'goods not as described' or 'services not rendered' could lead to scheme monitoring.
How can Cardflo's payment gateway support both in-person and online sales for salvage yards?
Cardflo offers a unified platform that supports both physical point-of-sale (POS) terminals for in-person transactions and an e-commerce gateway for online sales of parts. This allows salvage yards to manage all their payment channels through a single system.
Our API can integrate with inventory systems to ensure accurate stock levels for online listings, and our fraud tools can be configured for different risk profiles of in-person (lower risk) versus online (higher risk) transactions, providing flexible and secure processing.
Other MCCs in Miscellaneous Stores
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.