Cleaning, Maintenance & Janitorial Services.
Commercial cleaning, janitorial and maintenance services.
- MCC
- 7349
- Category
- Business Services
- Cardflo support
- Yes
What MCC 7349 covers
Merchant Category Code 7349 is the ISO 18245 identifier used by the card networks for cleaning, maintenance & janitorial services. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Commercial cleaning, janitorial and maintenance 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.
MCC 7349 includes commercial cleaning, janitorial, and maintenance services. These are predominantly B2B merchants serving offices, retail spaces, industrial facilities, and other commercial entities.
Services range from routine daily cleaning to specialised deep cleaning, floor care, and property maintenance. Ticket sizes are generally medium to large, often based on monthly contracts (£500-£5,000+), leading to frequent recurring payments.
Chargebacks are generally low given the B2B nature and ongoing relationships, but disputes can arise from dissatisfaction with service quality, missed cleaning schedules, or disagreements over contract fulfilment. 'Services Not as Described' and 'Non-Receipt of Services' are the most common dispute reasons.
No specific scheme programmes apply. Cardflo's comprehensive recurring billing and invoicing tools are particularly valuable for this sector, enabling efficient management of long-term commercial contracts and predictable revenue collection.
Operators in commercial cleaning and maintenance should prioritise a robust recurring payment setup, as most revenue derives from contractual agreements. Use a multi-acquirer gateway for smart routing and to optimise authorisation rates on these predictable, medium-to-high value regular payments.
Implement clear service agreements digitally, ensuring clients acknowledge the scope of work and billing cycles. For larger, project-based work, consider milestone payments to align service delivery with financial commitments, hedging against potential disputes over work completion or quality.
Your payment acceptance should reflect the B2B nature and often long-term relationships you build with clients.
Acquirer and acquirer assessment stance.
Low-risk standard board. Predictable B2B services with established contracts.
Standard underwriting and monitoring. Considered stable for payment processing.
Dispute and chargeback profile.
The most likely chargeback reason codes for this sector are 13.1 / 4853 (services not as described) and 13.3 / 4855 (non-receipt of services). These typically arise when a client believes cleaning standards were not met, or a scheduled maintenance visit was missed.
To contest these, provide detailed service contracts, signed work orders, timestamps or GPS data confirming site visits, and any client communication, especially photographic evidence of completed work or specific clauses addressing quality expectations. Thorough documentation is key to overturning these disputes.
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 7349
- Placement with acquirers that actively board MCC 7349 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 7349. 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
How can commercial cleaning companies streamline invoicing and recurring payments for their B2B clients?
Implementing an integrated payment gateway that supports automated invoicing and recurring card payments or Direct Debits is highly effective. Cardflo's platform allows merchants to set up custom billing cycles, automatically generate and send invoices, and process payments based on pre-authorised cards or bank accounts.
This reduces administrative overhead and improves payment predictability for long-term contracts.
What are common reasons for chargebacks in MCC 7349, and how can they be prevented?
The primary reasons are 'Services Not as Described' (e. g. , poor cleaning quality, specific tasks missed) and 'Non-Receipt of Services' (e. g. , a cleaning visit was skipped).
Prevention involves clear service level agreements (SLAs), regular client communication, quality checks, and maintaining detailed service logs (date, time, tasks performed, staff). Promptly addressing client complaints before they escalate to a dispute is also critical.
Cardflo's reporting tools can help monitor service delivery patterns.
Is it possible to accept large B2B payments without incurring high card transaction fees for commercial cleaning services?
For large B2B payments, alternative payment methods like SEPA Direct Debit or Open Banking payments can offer significantly lower transaction fees compared to card payments.
While cards might still be preferred for convenience, offering bank-to-bank transfers as an option can reduce costs, especially for high-value monthly contracts. Cardflo provides a suite of APMs, including Open Banking, which can be integrated to provide cost-effective options for B2B clients.
How can I reduce disputes arising from perceived poor cleaning quality or incomplete maintenance tasks?
To minimise disputes related to service quality, implement a clear, documented quality assurance process. This could involve before-and-after photographic evidence for specific tasks, client sign-offs on completed work checklists, or regular client satisfaction surveys.
Ensure all contracts explicitly detail the scope of services, expected quality standards, and any resolution processes for service discrepancies. For specific incidents, always respond promptly to client complaints, offering rectifying actions or partial refunds where appropriate, before a chargeback materialises.
Proactive communication and transparent service delivery are your strongest defence against these types of claims.
My B2B clients sometimes dispute recurring charges, claiming contract cancellation. What's the best way to manage this?
For recurring B2B charges, ensure your cancellation policy is clearly stated in your service agreements and accessible to clients at all times. Implement a system that requires written notice for contract termination, either via email or a client portal, with a sufficient notice period.
When a client requests cancellation, provide a written acknowledgement confirming the effective date of termination. If a chargeback occurs for a recurring payment, present the original contract, proof of notice period adherence, and the cancellation confirmation.
This evidence proves the charges were legitimate based on the agreed terms before termination.
Other MCCs in Business Services
Related industries.
Related features.
Related guides.
Ready to improve your payments setup?
Tell us about your business. We'll match you with the right acquiring partners and the right route, typically inside a week.