Stenographic & Secretarial Support Services
Stenography, transcription and secretarial services.
What MCC 7339 covers
Merchant Category Code 7339 is the ISO 18245 identifier used by the card networks for stenographic & secretarial support services. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Stenography, transcription and secretarial services. 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 in MCC 7339 provide stenographic, transcription, and secretarial support services. These are typically B2B service providers, serving legal firms, medical practices, academic institutions, and corporate clients with services like court reporting, medical transcription, minute-taking, and administrative support.
Ticket sizes vary based on service type and volume, from small one-off transcription jobs (£50-£200) to ongoing secretarial retainers (£500-£2,000+ per month). Frequency can be project-based or recurring.
Chargebacks are generally low but can arise from disputes over accuracy of transcription, missed deadlines, or disagreements on service scope. 'Services Not as Described' and 'Non-Receipt of Services' are common grounds for disputes.
No specific scheme programmes apply. Cardflo's recurring billing solutions are beneficial for merchants offering ongoing secretarial support or subscription-based transcription services, helping manage predictable revenue streams and reduce manual processing.
Acquirer & underwriting stance
Low-risk standard board. Services are defined by clear deliverables, reducing dispute potential.
Standard underwriting and monitoring expectations.
How Cardflo handles MCC 7339
- Underwriting with acquirers that actively board MCC 7339 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
How can merchants in MCC 7339 best handle recurring billing for ongoing secretarial or transcription retainers, especially with variable monthly usage?
For variable usage, a system that supports usage-based billing or allows for easy monthly adjustments to recurring charges is ideal.
Cardflo's subscription management platform can be configured for tiered pricing, usage-based models, or manual adjustments, ensuring accurate billing without requiring a new transaction setup each month. This also supports sending automated invoices and managing payment failures effectively.
What PCI DSS compliance requirements apply to storing client card details for repeat billing in secretarial services?
Merchants must ensure PCI DSS compliance if they store or transmit cardholder data. Using tokenisation services, where sensitive card data is replaced with a unique, non-sensitive token, significantly reduces the merchant's PCI scope.
Cardflo’s secure tokenisation and vaulting services ensure that card details are encrypted and stored in a PCI-compliant environment, protecting both the merchant and their clients.
What evidence is most effective in disputing 'Services Not as Described' chargebacks for transcription services?
Effective evidence includes recordings of the source audio, final transcribed documents, timestamps of service delivery, and any communication (emails, project management notes) confirming client approval or acknowledging receipt. Having a clear service level agreement (SLA) outlining accuracy guarantees and turnaround times is also crucial.
Cardflo’s chargeback management tools facilitate the submission of this documentation to the issuing bank.
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