Direct Marketing, Inbound Telemarketing.
Inbound order-taking telemarketing merchants (incl. adult).
- MCC
- 5967
- Category
- Miscellaneous Stores
- Cardflo support
- Yes
What MCC 5967 covers
Merchant Category Code 5967 is the ISO 18245 identifier used by the card networks for direct marketing, inbound telemarketing. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Inbound order-taking telemarketing merchants (incl. adult). Choosing the right MCC is critical: an incorrect code can lead to higher interchange, surcharges, or, in regulated categories, declined transactions and account holds.
Merchants under MCC 5967 typically operate inbound telemarketing centres, processing orders initiated by customers calling in response to advertising. This can range from infomercial products to adult entertainment services, often involving cross-border transactions and higher ticket sizes for specific product categories.
Transaction frequency can be sporadic but may include repeat purchases for popular goods.
Chargebacks are a significant concern, commonly stemming from 'merchandise not received', 'merchandise not as described', or 'cancellation of recurring services'. High-risk product categories, such as adult entertainment or certain health-related products, often see elevated fraud rates and customer disputes.
Visa and Mastercard have specific monitoring programmes (e. g. , Visa's Integrity Risk Program, Mastercard's Excessive Chargeback Program) that closely scrutinise merchants exceeding defined chargeback thresholds, particularly in high-risk MCCs.
Cardflo mitigates these risks by offering intelligent transaction routing across multiple acquiring banks, including those specialising in high-risk sectors, and provides advanced chargeback management tools that help merchants identify and dispute illegitimate chargebacks effectively, thereby protecting their processing stability.
Merchants in inbound telemarketing must optimise for secure, card-not-present (CNP) transactions, leveraging 3DS2 where feasible, even on inbound calls, as a customer authentication method. Given the high ticket sizes common in some segments and cross-border nature, dynamic currency conversion and local payment methods are vital.
Expect rolling reserves of 10-20% for 120-180 days due to chargeback risks, frequently stemming from buyer's remorse or product dissatisfaction. Our multi-acquirer routing can strategically place transactions to mitigate exposure and maintain robust processing capacity.
Acquirer and acquirer assessment stance.
High-risk specialist board. Due to the susceptibility to chargebacks, especially in adult entertainment or nutraceuticals, a rolling reserve typically ranging from 10-20% for 120-180 days is common.
Enhanced KyC and KyB are mandatory.
Dispute and chargeback profile.
The primary chargeback reason codes for this MCC are 13.1 / 4853 (services not as described) and 13.3 / 4855 (merchandise not received).
'Services not as described' often occurs when product claims made during the call do not match the delivered item or experience, particularly in adult entertainment or nutraceuticals. 'Merchandise not received' arises from shipping delays or lost goods.
To dispute, provide call recordings, detailed product descriptions, proof of delivery with tracking, and clear terms and conditions signed or verbally agreed during the sale.
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 5967
- Placement with acquirers that actively board MCC 5967 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 5967. 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).
- Chargeback ratio and dispute history covering the last six months, including any Visa or Mastercard monitoring-programme status.
See also: Know Your Customer (KYC) · high-risk merchant · smart routing.
Talk to an acquiring specialist about your MID setup.
Common questions
What specific chargeback reason codes are most prevalent for MCC 5967 and how can they be mitigated?
For MCC 5967, common chargeback reason codes include 'Merchandise/Services Not Received' (Visa Reason Code 13.1, Mastercard Reason Code 4855) and 'Not as Described' (Visa Code 13.3, Mastercard Code 4853).
Mitigation strategies include clear product descriptions on websites or in verbal scripts, recorded customer service calls (with consent), provable delivery (tracking numbers), and clear return/refund policies. Cardflo's chargeback deflection tools can help automate the submission of compelling evidence for these disputes.
Are there specific scheme programmes that target merchants in MCC 5967, and what are their implications?
Yes, merchants in MCC 5967 are frequently subject to Visa's Integrity Risk Program (formerly VMPI) and Mastercard's Excessive Chargeback Program (ECP/ECR).
Exceeding defined chargeback ratios (e. g. , typically >0.9% for Visa or >1.0% for Mastercard) can lead to increased fees, mandatory chargeback monitoring, and ultimately, programme termination. Proactive chargeback prevention and representment are critical for maintaining compliance.
How does Cardflo handle high-risk products often associated with MCC 5967, such as adult content or certain supplements?
Cardflo has an established network of acquiring partners, including those with expertise in high-risk sectors like adult entertainment or nutraceuticals. We conduct thorough due diligence during KYC/KYB to ensure compliance with all regulatory requirements and scheme rules.
Our platform routes transactions to acquirers best suited for the specific risk profile, helping maintain stable processing for these merchants, often incorporating additional fraud monitoring and rolling reserves.
How can inbound telemarketing businesses best mitigate chargebacks when customers routinely claim they never received goods or services?
For 'merchandise not received' claims, robust proof of delivery (POD) is paramount. Utilise signed-for courier services and ensure tracking information is consistently uploaded to your processing gateway.
For digital products or services, provide timestamped proof of access or usage logs. A clear, auditable trail of customer interaction confirming delivery or access, combined with transparent communication about delivery timelines during the call, will significantly strengthen your position against such disputes.
Retain call recordings detailing delivery method agreements.
What specific operational changes should I implement to reduce 'services not as described' chargebacks prevalent in outbound telemarketing?
To combat 'services not as described' claims, meticulously document product descriptions and ensure sales scripts are fully compliant and accurate. Avoid exaggerated claims.
Record all sales calls, ensuring clear, audible consent for the purchase and explicit agreement to terms and conditions. Provide customers with a written summary of their purchase immediately post-call.
This transparency, coupled with accessible customer service for post-purchase queries, reduces the likelihood of these disputes and provides strong evidence when they do occur.
Other MCCs in Miscellaneous Stores
Related industries.
Related features.
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