Real Estate Agents & Managers, Rentals.
Real-estate agents, property management and rentals.
- MCC
- 6513
- Category
- Business Services
- Cardflo support
- Yes
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), unauthorised 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.
Real estate agents and property managers should implement payment solutions that accommodate both high-value security deposits and recurring rent payments efficiently. For substantial upfront payments, favour acquirers enabling strong customer authentication (SCA), whilst ensuring your gateway supports recurring billing with clear mandates for rental payments.
To mitigate disputes over property condition or rental terms, ensure robust digital record-keeping of contracts, property inventories, and communication with tenants. A multi-acquirer strategy allows for diverse payment options and reduces reliance on a single provider, offering flexibility for varying transaction types and values.
Acquirer and acquirer assessment stance.
low-risk standard board
Dispute and chargeback profile.
Common chargeback reasons in real estate and rentals are often 13.1 / 4853 (services not as described) when tenants claim property misrepresentation, and 13.3 / 4808 (requested transaction not received) for disputed security deposit deductions.
For 'services not as described,' provide tenancy agreements, property descriptions, and photographic evidence of the property's condition at the point of contract.
To defend against 'requested transaction not received' regarding security deposits, supply a copy of the signed inventory, a breakdown of deductions, and 'before and after' property condition photographs. Clear communication and documented agreements are key.
See also: chargeback management · payment response codes · Compelling Evidence 3.0.
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How Cardflo handles MCC 6513
- Placement 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.
- Dedicated onboarding manager experienced with B2B and corporate merchants.
Payment methods typically enabled.
Onboarding checklist.
What acquirers typically ask to see when boarding MCC 6513. 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 B2B volume.
- Standard master services agreement or engagement letter template.
- Level 2 / Level 3 data capability evidence for commercial-card processing.
- Refund, cancellation and dispute-handling policy for recurring or retainer billing.
- Six months of processing statements or bank statements demonstrating trading pattern.
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 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.
What key documentation should real estate agents retain to defend against chargebacks related to property misrepresentation?
To robustly defend against chargebacks alleging property misrepresentation, real estate agents must maintain comprehensive documentation. This includes digital copies of all property listings, detailed descriptions provided to the tenant, and any marketing materials.
Crucially, gather photographic and video evidence of the property's condition at the time of viewing and lease signing. Ensure all tenancy agreements clearly outline the property's features, any exclusions, and the responsibilities of both parties.
Keeping a log of all communications with the tenant, especially regarding property details or concerns raised, will also serve as vital evidence during a dispute resolution process.
How can property managers minimise chargebacks arising from disputes over security deposit deductions or refunds?
Minimising chargebacks over security deposit deductions requires meticulous record-keeping and transparent processes. Conduct a thorough and documented move-in inspection with the tenant, complete with time-stamped photographs or video, and ensure both parties sign the inventory report.
At move-out, repeat the process to document any damage beyond normal wear and tear. Clearly outline the conditions under which deductions may be made in the tenancy agreement.
When deductions occur, provide the tenant with an itemised breakdown, supporting invoices for repairs, and comparative photographs before initiating any chargeback from their side. Clear communication beforehand is paramount.
Other MCCs in Business Services
Related industries.
Related features.
Related guides.
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