Exterminating & Disinfecting Services
Pest control, extermination and disinfection.
What MCC 7342 covers
Merchant Category Code 7342 is the ISO 18245 identifier used by the card networks for exterminating & disinfecting services. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Pest control, extermination and disinfection. 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 7342 covers exterminating and disinfecting services. These merchants often operate local businesses serving both residential (B2C) and commercial (B2B) clients for pest control, mould remediation, and sanitisation services.
Transaction sizes can range from small one-off treatments (£100-£300) to larger, multi-visit contracts for commercial premises (£500-£2,000+). Many services are recurring (e.
g. , quarterly pest control).
Chargebacks are relatively infrequent, but disputes can arise from perceived ineffectiveness of treatment, damage to property during service, or non-completion of contracted work. 'Services Not as Described' and 'Cancelled Services' are common chargeback reasons.
No specific scheme programmes are applicable. Cardflo's mobile POS solutions and recurring billing capabilities are highly beneficial for these businesses, enabling field technicians to accept payments on-site and manage ongoing service contracts efficiently.
Acquirer & underwriting stance
Low-risk standard board. Predictable service model with tangible outcomes.
Standard underwriting, no specific reserve requirements.
How Cardflo handles MCC 7342
- Underwriting with acquirers that actively board MCC 7342 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 is the best way for pest control companies to accept payments on-site during a service appointment?
The most efficient way is using a mobile point-of-sale (mPOS) device or payment terminal that connects via Bluetooth or Wi-Fi to a smartphone or tablet. This allows technicians to accept card payments (contactless, chip, or swipe) directly at the customer's location.
Cardflo provides a range of rugged, portable terminals perfectly suited for field service operations, ensuring secure and immediate payment capture.
How can MCC 7342 merchants manage recurring annual or quarterly service contracts to minimise payment failures?
Implementing a robust recurring billing system with features like automatic card updater services and dunning management is crucial. Card auto-updater services (often offered by Visa and Mastercard through acquirers) automatically update expired or reissued card details, reducing declines.
Dunning management involves automated retries for failed payments and sending notifications to customers to update their payment information. Cardflo's platform integrates these functionalities to optimise recurring revenue collection.
What documentation should exterminating services keep to effectively fight 'Services Not as Described' chargebacks?
Merchants should maintain detailed service records, including date and time of service, chemicals used, areas treated, before-and-after photos (if applicable), technician notes, and customer signature confirming completion of service. Contractual agreements outlining scope of work, expected outcomes, and guarantees are also vital.
This comprehensive evidence bundle is key for successful chargeback representment through Cardflo's dispute resolution platform.
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