Real Estate Agents & Managers, Rentals
Real-estate agents, property management and rentals.
What MCC 6513 covers
Merchant Category Code 6513 is the ISO 18245 identifier used by the card networks for real estate agents & managers, rentals. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Real-estate agents, property management and rentals. Choosing the right MCC is critical: an incorrect code can lead to higher interchange, surcharges, or, in regulated categories, declined transactions and account holds.
This MCC is used by real-estate agents, property managers, and businesses primarily engaged in facilitating rentals. This includes residential and commercial rental payments, security deposits, and associated fees.
Transactions can be high-value (especially security deposits or commercial rents) and are often recurring for rent payments. The frequency is typically monthly or quarterly.
Chargeback risk is generally moderate, with disputes often arising from 'services not as described' (e. g.
, property misrepresented), unauthorized transactions, or disputes over security deposit refunds. Clear contracts, photographic evidence of property condition, and explicit authorisation for all payments are essential.
Recurring rent payments must adhere to scheme rules for subscription billing.
Cardflo provides robust payment processing for high-value and recurring transactions, enabling property managers to collect rent and deposits efficiently. Our dispute management tools facilitate the submission of comprehensive evidence, including tenancy agreements and communication logs, to successfully challenge chargebacks.
Acquirer & underwriting stance
low-risk standard board
How Cardflo handles MCC 6513
- Underwriting with acquirers that actively board MCC 6513 businesses in your region.
- B2B card-not-present processing with Level 2 and Level 3 data support.
- Virtual-card, AP-automation and procurement-card acceptance.
- Invoice-linked payment flows and pay-by-link options for receivables teams.
- Settlement and reconciliation that maps cleanly to ERP and accounting systems.
Payment methods typically enabled
Common questions
What specific chargeback reasons are common for rental payments under MCC 6513?
Common chargeback reasons include 'services not as described' (Visa code 13. 3) if the property does not meet expectations, 'fraudulent transaction' (Visa code 10.
4) for unauthorised rent payments, and disputes over security deposit refunds (Visa code 13. 3).
For recurring rent, 'recurring transaction not cancelled' (Visa code 13. 5) can arise if a tenancy ends but payments continue.
Are there any scheme requirements for recurring rent payments?
Yes, for card-on-file recurring rent payments, merchants must obtain explicit cardholder consent for recurring billing. They must also provide clear terms and conditions for the tenancy and payment schedule, an easy cancellation process, and ensure accurate billing descriptors appear on statements.
Account updater services can help manage expired cards for continuous payments.
How can Cardflo help property managers with high-value security deposits?
Cardflo's platform is equipped to handle high-value card transactions, such as security deposits, with enhanced fraud screening capabilities.
We also provide support for alternative payment methods like bank transfers, which are often preferred for larger sums due to lower processing fees and significantly reduced chargeback risk. This allows property managers flexibility and control over how they accept these payments.
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