Cleaning, Maintenance & Janitorial Services
Commercial cleaning, janitorial and maintenance services.
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.
Acquirer & underwriting stance
Low-risk standard board. Predictable B2B services with established contracts.
Standard underwriting and monitoring. Considered stable for payment processing.
How Cardflo handles MCC 7349
- Underwriting 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.
Payment methods typically enabled
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.
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